Connecting J.P. Morgan

Maven connects to J.P. Morgan Payments (Online Payments API) using your Client ID, Client Secret, and Merchant ID. Maven exchanges the Client ID/Secret for short-lived OAuth bearer tokens and uses them to create charges or store cards on your behalf.

Prerequisites

A J.P. Morgan Payments developer account
Client ID, Client Secret, and Merchant ID
A Maven app

Getting Your Credentials

Go to developer.payments.jpmorgan.com and create a developer account (email or GitHub/LinkedIn/Google login).

Create a workspace project

In your workspace, create a project and add the Online Payments API. Sandbox credentials are issued instantly — no approval step.

Copy Credentials

From the project’s Get set up section, copy:

Client ID — OAuth client identifier
Client Secret — OAuth client secret
Merchant ID — sent as the merchant-id header on every request (the sandbox/mock environment uses 998482157630)

For production, credentials are issued by the J.P. Morgan implementations team during merchant onboarding. Onboarding is sales-led and typically takes 6–12 weeks; ask them to confirm your production base URL and OAuth scope at the same time.

Connecting in Maven

Go to Payments

In the Maven Dashboard, open your app and click the Payments tab.

Click J.P. Morgan

Click the J.P. Morgan card to expand it, then click Connect J.P. Morgan.

Enter Credentials

Environment: Sandbox or Production
Client ID: Your OAuth Client ID
Client Secret: Your OAuth Client Secret
Merchant ID: Your J.P. Morgan Merchant ID
Production Base URL (optional, production only): Override if J.P. Morgan assigned your tenant a non-default hostname. Leave blank to use the standard hostname.

Save

Click Save Credentials. Maven stores them per-environment so you can have sandbox and production credentials configured side by side.

Sending the form to your customer

If your customer is the merchant (i.e., the J.P. Morgan account is theirs, not yours), click Copy link next to Save. That generates a single-use, 7-day link they can open in a browser and paste their credentials directly into a hosted form. Their credentials are written to your project without you ever seeing them.

Sandbox Testing

Sandbox credentials work immediately on signup against J.P. Morgan’s mock environment. Use them with mvn_test_ API keys to test without real charges. A useful sandbox test card:

Field	Value
Number	`4012 0000 3333 0026`
Expiry	Any future date
CVV	Any 3 digits

The J.P. Morgan mock environment approves every transaction — declines can only be exercised with the test credentials issued at merchant onboarding.

Processor Response Fields

Charge Mode

Field	Description
`jpmorgan_transaction_id`	J.P. Morgan `transactionId`
`jpmorgan_state`	`CLOSED` (captured) or `OPEN` (authorized)
`jpmorgan_status`	`SUCCESS` on approval
`approval_code`	Issuer approval code
`response_code`	`APPROVED` on success
`response_message`	Processor response message
`card_brand`	Card brand (e.g. `visa`)
`card_last4`	Last 4 digits

Tokenize Mode (Stored Card)

In tokenize mode, Maven runs a $0 verification and stores the card at J.P. Morgan.

Field	Description
`jpmorgan_consumer_profile_id`	Consumer profile ID (when profile creation is enabled for your merchant)
`jpmorgan_payment_method_id`	Payment method ID within the consumer profile
`jpmorgan_payment_token`	Safetech network token — reusable as the `accountNumber` in later charges (returned when Safetech tokenization is enabled)
`jpmorgan_transaction_id`	Verification `transactionId`
`card_brand`	Card brand
`card_last4`	Last 4 digits

Using Stored Cards

Charge a stored card directly against the J.P. Morgan API. With a consumer profile:

import httpx

# 1. Get an OAuth token
token_resp = httpx.post(
    "https://id.payments.jpmorgan.com/am/oauth2/alpha/access_token",
    data={
        "grant_type": "client_credentials",
        "scope": "jpm:payments:sandbox",
        "client_id": "your_client_id",
        "client_secret": "your_client_secret",
    },
)
access_token = token_resp.json()["access_token"]

# 2. Charge the stored payment method
resp = httpx.post(
    "https://api-mock.payments.jpmorgan.com/api/v2/payments",
    json={
        "captureMethod": "NOW",
        "merchantOrderNumber": "order-1042",
        "amount": 4999,  # minor units — $49.99
        "currency": "USD",
        "initiatorType": "CARDHOLDER",
        "accountOnFile": "STORED",
        "merchant": {"merchantSoftware": {"companyName": "YourCo", "productName": "YourApp"}},
        "paymentMethodType": {
            "consumerProfile": {
                "consumerProfileId": "your-consumer-profile-id",
                "paymentMethodId": "your-payment-method-id",
            }
        },
    },
    headers={
        "Authorization": f"Bearer {access_token}",
        "merchant-id": "your_merchant_id",
        "request-id": "unique-uuid-per-request",
    },
)
print(resp.json())

With a Safetech token, send it as paymentMethodType.card.accountNumber instead, keeping accountOnFile: "STORED".

Getting Started

Chat Payments

Voice Payments

Payment Gateways

J.P. Morgan Setup

Connecting J.P. Morgan

Prerequisites

Getting Your Credentials

Connecting in Maven

Sending the form to your customer

Sandbox Testing

Processor Response Fields

Charge Mode

Tokenize Mode (Stored Card)

Using Stored Cards

​Connecting J.P. Morgan

​Prerequisites

​Getting Your Credentials

​Connecting in Maven

​Sending the form to your customer

​Sandbox Testing

​Processor Response Fields

​Charge Mode

​Tokenize Mode (Stored Card)

​Using Stored Cards

Connecting J.P. Morgan

Prerequisites

Getting Your Credentials

Connecting in Maven

Sending the form to your customer

Sandbox Testing

Processor Response Fields

Charge Mode

Tokenize Mode (Stored Card)

Using Stored Cards