canonical: https://jentic.com/apis/payments.jpmorgan.com/payments-jpmorgan

# Payments Jpmorgan Interac e-Transfer API

Jentic publishes the only available OpenAPI specification for Interac e-Transfer API, keeping it validated and agent-ready. The J.P. Morgan Interac e-Transfer API enables businesses to initiate 24/7 domestic CAD payments in Canada via email, phone number, or bank account. It provides a single endpoint for submitting real-time Interac e-Transfer payment requests through J.P. Morgan's treasury services platform, supporting automated disbursements to Canadian recipients without branch visits or cheque processing.

## For AI agents

Initiate real-time Canadian dollar Interac e-Transfer payments to recipients by email, phone, or bank account through J.P. Morgan's treasury API.

## Scope

Does not handle international payments, USD transfers, payment status queries, or refunds - use for initiating domestic CAD Interac e-Transfers only.

## Capabilities

- Initiate real-time Interac e-Transfer payments in Canadian dollars 24/7
- Send payments to recipients identified by email address or phone number
- Direct payments to specific bank accounts for known payee routing
- Submit automated disbursements for payroll, vendor payments, or customer refunds

## Use cases

### Automated Vendor Disbursements

Automate payments to Canadian vendors and suppliers using Interac e-Transfer instead of cheques or wire transfers. The API accepts recipient identification by email, phone, or account number and processes the payment in real-time through J.P. Morgan's treasury infrastructure. This eliminates manual payment runs and enables same-day settlement for domestic CAD obligations.

Example prompt: Initiate an Interac e-Transfer of 5,000.00 CAD to vendor@supplier.ca via POST `/tsapi/v1/payments` with payment type as e-Transfer and recipient email

### Customer Refund Processing

Issue refunds to Canadian customers via Interac e-Transfer for immediate availability. Rather than reversing card transactions which take days, businesses can send funds directly to a customer's email or phone number. The customer deposits the transfer through their banking app instantly, improving satisfaction and reducing support overhead.

Example prompt: Submit a refund of 149.99 CAD to customer@email.com via POST `/tsapi/v1/payments` with memo field indicating order reference number

### AI Agent Canadian Payment Initiation via Jentic

AI agents use Jentic to initiate Interac e-Transfer payments without managing OAuth bearer tokens or constructing J.P. Morgan treasury API request payloads manually. Jentic stores credentials securely and provides the operation schema so agents can send CAD payments by specifying recipient and amount.

Example prompt: Search Jentic for 'send an Interac e-Transfer payment', load the operation schema, and execute it to send 250.00 CAD to a recipient email address

## Key endpoints

| Method | Path | Description |
| --- | --- | --- |
| POST | `/tsapi/v1/payments` | Initiate an Interac e-Transfer payment |

## Key resources

- **Payments** — Initiate Interac e-Transfer payment requests with recipient details and CAD amount

## Why Jentic

- **Setup:** Wiring the J.P. Morgan Interac e-Transfer API by hand means handling its bearer auth and building the domestic CAD payment payload yourself. Through Jentic you install once, import the Interac e-Transfer API from the API Directory, store the token once, and your agent calls it.
- **Permission scoping:** The Interac e-Transfer API carries the payment details in the request body, so scope your agent to the operations it needs, such as initiating a CAD transfer. You choose the operations it may call, so no operation runs beyond the set you allow.
- **Credential handling:** Your J.P. Morgan bearer token is stored once, encrypted, by your own Jentic One instance and injected at execution time. It never enters the agent's prompt, logs, or context.
- **Discovery method:** Agents search Jentic by intent such as 'send a CAD payment to Canada', and Jentic returns the Interac e-Transfer operation with its input schema including recipient type, amount, and currency so the agent calls the right endpoint without browsing the reference docs.

## Related APIs

- **Stripe API** — Global payment platform supporting Canadian payment methods including pre-authorized debits
- **Adyen Payment Service** — Enterprise payment platform with Canadian payment method support and global routing
- **Paychex External API** — US payroll platform for managing employee compensation and check processing

## FAQ

### Why is there no official OpenAPI spec for Interac e-Transfer API?

J.P. Morgan does not publish an OpenAPI specification for the Interac e-Transfer API. Jentic generates and maintains this spec so that AI agents and developers can call it via structured tooling. It is validated against the live API and kept up to date. Get started with Jentic One, the self-hosted execution layer.

### What authentication does the Interac e-Transfer API use?

The API uses OAuth 2.0 bearer token authentication. You obtain a token through J.P. Morgan's identity service and include it in the Authorization header. Through Jentic, the OAuth credentials and token refresh are handled automatically in your Jentic One instance.

### Can I send payments 24/7 with the Interac e-Transfer API?

Yes. Interac e-Transfer operates 24/7/365 for domestic Canadian dollar payments. Unlike wire transfers or ACH which have banking-hour restrictions, e-Transfers process in real-time regardless of time or day. Recipients can deposit funds immediately through their banking app.

### What recipient identification methods are supported?

The API supports three recipient identification methods: email address, phone number, or direct bank account details. Email and phone-based transfers require the recipient to accept and deposit the funds. Bank account-based transfers route directly to the specified account without recipient action.

### How do I initiate an e-Transfer payment through Jentic?

Search Jentic for 'send an Interac e-Transfer' to find the POST `/tsapi/v1/payments` operation. Jentic returns the input schema showing required fields like amount, currency (CAD), recipient email or phone, and payment type. Execute through Jentic and the payment is submitted to J.P. Morgan's treasury platform. Install with pip install jentic.

### Can I limit what my agent is allowed to do with the Interac e-Transfer API?

Yes. Because you run Jentic One yourself, you decide which operations and credentials your agent may use, so no call runs beyond the set you allow. The Interac e-Transfer API exposes a single payment operation, POST `/tsapi/v1/payments` for initiating a CAD transfer, and you can grant your agent only that operation while withholding your J.P. Morgan bearer token from its prompt and logs. Since the payment details ride in the request body, your own rules govern exactly which recipients and amounts the agent can submit.