Real Time Payments (Pix)
provides innovative processing

As J.P. Morgan continues to expand, we strive to deliver a unified global payments experience that transcends borders. 

Why J.P. Morgan?

We offer a standardized solution to our clients – a unique API to perform global transactions in all countries where we have established Real Time Payments (RTP/Pix).

A smooth transition provides a cohesive experience between payments status and credit confirmations, enabling diverse payment options for our clients while shielding your customers from the complexity that comes with them.

Experience scaling Pix for clients

The knowledge we’ve gained from implementing other high volume clients will ensure a smooth experience unmatched by other banks.

J.P. Morgan has the largest global footprint in comparison to our competitors at 45 countries – expanding in 2022 and beyond to
50+ markets

Pix can help support your business growth:

  • Instant payments
  • Possibility to pay with Pix in new markets without the need to adopt new API
  • 24/7 client service support
  • Global API payments integration


Best-in-class digital capabilities
We’ve built a leading suite of APIs to maximize the power of Pix,
with more on the way.

Payments

  • Extended hours
  • Real time and scheduled payments
  • Transaction limit management
  • Request for return of funds
  • Establishment of distinguished limits

Collections

  • Bank account details
  • Proxy
    Tax ID and random number

Connectivity

  • Global API with unique connection
  • Payments are pre-approved
  • Available APIs
    Payment Initiation
    Incoming Credit Confirmation
    Payment Status (Push or Pull)
    Balance and Transaction Reporting

Reconciliation

  • Immediate inbound/outbound notification
  • Enriched information
    Tax ID
    Free format field input by the payer
    Transaction – unique ID or QR Code
  • Account statement in all available formats
    including Pix transactions

Global APIs deliver solutions across the payments market

Whether it’s a business making a cross-border payment, a worker sending remittances to his own country, or e-commerce consumers wanting to make instant transactions, the demand for real-time payment capabilities is growing.

Pix simplifies cash flow and delivers the benefits you need.

Payments

Ability to pay at any time with instant settlement

  • Includes when urgent payments are needed
  • Includes after regular business hours

Receivables

Facilitate collections and identification

  • Facilitate transfers
  • Receive real time payment confirmation
  • Reduce interaction with paper/money
  • Increase safety

Our Commitment

J.P. Morgan’s Real Time Payments is a single global API that helps consolidates payment solutions. As we continue to expand, we aim to provide a clear path to optimize Brazil’s payments position and deliver for our clients.

*Some of the RTP solutions mentioned herein are offered by JPMorgan Chase Bank, N.A. or its affiliates subject to applicable laws and regulations and service terms. Not all RTP solutions are available in all locations (e.g., Pix is the only RTP solution currently offered in Brazil). Eligibility for particular RTP solutions will be determined by JPMorgan Chase Bank, N.A. or its affiliates.

This content was prepared exclusively for the internal use of the J.P. Morgan client to whom it is addressed (including the client’s affiliates, the “Company”) in order to assist the Company in evaluating, on a preliminary basis, certain products or services that may be provided by J.P. Morgan. This presentation is for discussion purposes only and for your sole and exclusive benefit. This information is confidential and proprietary to our firm and may only be used by you to evaluate the products and services described here. You may not copy, publish, disclose or use this information for any other purpose unless you receive our express authorization. If accompanied by any oral briefing provided by JPMC, these materials are incomplete without reference to, and should be viewed solely in conjunction with, that briefing. These materials do not represent an offer or commitment by any JPMC entity to underwrite, subscribe for or place any securities or to extend or arrange credit or to provide any product or service. In preparing the information, we have relied upon, without independently verifying, the accuracy and completeness of publicly available information or information that you have provided to us. Our opinions, analyses and estimates included here reflect prevailing conditions and our views as of this date. These factors could change, and you should consider this information to be indicative, preliminary and for illustrative purposes only. This information is provided as general market and/or economic commentary. It in no way constitutes research and should not be treated as such. In addition, our analyses are not and do not purport to be appraisals of the assets, stock, or business of the Company or any other entity. 

This content is confidential and proprietary to J.P. Morgan and is not intended to be legally binding. In preparing this presentation, J.P. Morgan has relied upon and assumed, without independent verification, the accuracy and completeness of all information available from public sources. Neither J.P. Morgan nor any of its directors, officers, employees or agents shall incur any responsibility or liability whatsoever to the Company or any other party in respect of the contents of this presentation or any matters referred to in or discussed as a result of this presentation.

J.P. Morgan makes no representations as to the legal, regulatory, tax or accounting implications of the matters referred to in this presentation. 

The products and services described in this document are offered by Banco J.P. Morgan S.A. or its affiliates, subject to applicable laws and regulations and service terms. Not all products and services are available in all locations. Eligibility for particular products and services will be determined by JPMorgan Chase Bank, N.A. or its affiliates.

The operations of JPMorgan Chase Bank, N.A. and other J.P. Morgan offices abroad are not subject to the control or the regulations of the Federative Republic of Brazil, and do not have the guarantee of the Brazilian State.

J.P. Morgan is a marketing name for the Payments businesses of JPMorgan Chase Bank, N.A. and its affiliates worldwide. 

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Ombudsman J.P. Morgan: 0800-7700847 / ouvidoria.jp.morgan@jpmorgan.com