J.P. Morgan

This guide will help you enable the JP Morgan Reports integration and connect it as a data source in Payrails to ingest daily reports. With the self-serve flow you configure the integration yourself in the Payrails portal.

Prerequisites

You will need:

An active JP Morgan merchant account
SFTP access: a dedicated SFTP username and password assigned to your account
Report delivery enabled for the required report codes (see Step 2)

Step-by-step instructions

Step 1: Gather SFTP credentials and connection details

1. SFTP host and port

Gather the following:

Hostname
Username
Password
Port (default 22)
Root directory path (if applicable)

2. Verify data lifecycle and storage

Before integrating, confirm the file lifecycle logic on the JP Morgan SFTP server to ensure consistent data retrieval and support for backfills:

Folder structure: confirm where new reports land (root directory or a specific subdirectory).
File format and naming: Payrails expects files to follow JP Morgan’s standard naming convention <company_id>.<activity_date>.<frequency>.<file_identification>.dfr.zip. Only daily files are parsed; monthly or yearly files are still transferred but skipped by the parser.
Compression: files are expected to be compressed and password protected. The decryption password should match the SFTP password.
Backfill availability: ensure historical files are accessible for backfill, especially if you need to ingest past data during onboarding.

Step 2: Confirm report delivery

Confirm that the following reports are enabled on the JP Morgan side:

FIN0010 Deposit Activity Summary
FIN0011 Service Charge Detail
FIN0025 Financial Activity Summary
ACT0002 Exception Detail
ACT0010 Deposit Detail
ACT0036 Authorization Detail

For authorization reports, enable:

Interchange Detail Option
Debit Detail Option

Step 3: Add the J.P. Morgan integration in the Payrails portal (self-serve)

Log in to the Payrails dashboard and open Settings → Integrations → Data.
Click Add instance (top-right).
In New instance, select provider: JPMorgan and click Continue.
On the Configure account screen, fill in:
- Integration instance name — a unique label.
- Start Date — the date of today or tomorrow (currently we can not backfill over the sel-serve capability. In the need of backfilling, please reach out to your Payrails account manager).
- SFTP host, username, password, port (22), and root directory path (if applicable).
- (Optional) Additional data.
Click Save account. The instance appears in the Data integrations list and Payrails begins ingesting data.