Chase Bank (J.P. Morgan Europe Limited)

OB Standards

This Section applies to ASPSPs that have implemented OB Standards


-Have you Implemented OB Standards?
  • Yes
  • No

Open Data - Which version have you Implemented?
  • None
  • V2.2
  • V2.3
  • V2.4

Read/Write API Specification Implemented or planning to implement

(Lowest version = Current, Highest version = Planned)

  • V3.0
  • V3.1
  • V3.1.1
  • V3.1.2
  • V3.1.3
  • V3.1.4
  • V3.1.5
  • V3.1.6
  • V3.1.7
  • V3.1.8
  • v3.1.9
  • v3.1.10
  • V3.1.11
  • V4.0

Read/Write API - Which date are you planning to implement your latest version?
Chase UK is on the latest version of the Open Banking APIs

Have you implemented v4.0 information flows, if not date planned to Implement?

  • Already Implemented
  • Planning to implement
  • Not planning to implement 

Dynamic Client Registration - Which version have you Implemented or planning to implement?

(Lowest version = Current, Highest version = Planned)

  • None
  • V3.1
  • V3.2
  • V3.3
Chase UK does not leverage the OBIE directory
DCR - Which date are you planning to implement your latest version?N/A

Have you implemented Trusted beneficiaries, if not date planned to Implement?

  • Already Implemented
  • Planning to implement
  • Not planning to implement 

Have you implemented Reverse Payments, if not date planned to Implement?

  • Already Implemented
  • Planning to implement
  • Not planning to implement 

Have you implemented ECA Standard?

  • Already Implemented
  • Planning to implement
  • Not planning to implement 

ECA Implementation details

N/A


Have you implemented Bulk/File Payments?

  • Already Implemented
  • Planning to implement
  • Not planning to implement 

Have you implemented VRP – Sweeping, if not date planned to Implement?

  • Already Implemented
  • Planning to implement
  • Not planning to implement 
Mar 2024

Have you implemented VRP non-Sweeping, if not date planned to Implement?

  • Already Implemented
  • Planning to implement
  • Not planning to implement 

date TBC

PISP - Single Payment Limit£250,000
PISP - Daily Payment Limit£250,000
How many months of transaction do you provide?13 months
Have you implemented TRIs (Transactional Risk Indicators), if not, date planned to Implement?No
What is your approach to Implementing TRIs?
  • Accept payload with TRI fields – Process all fields
  • Accept payload with TRI fields – Ignore all fields
  • Reject payload with TRI fields – Error back to TPP
  • Accept payload with TRI fields – Process few fields (Provide list of accepted fields)  
N/A
SCA-RTS 90-day reauth Implementation

Which date are you planning on implementing the SCA reauthentication exemption?

23 May 2023 

What is your approach to token management to enable application of the reauthentication exemption? (see link to FCA guidance)

Chase UK provides a refresh token for an access token. Once a TPP uses the refresh token, we limit the TPP within the scope of UK-RTS Article 10a to balances, and transactions generated in the last 90 days (limited with refresh tokens). If the customer is not present, TPPs use refresh token to obtain an access token,  each access token/session lasts 5 minutes.


Article 10A - Endpoints exempt of SCA-RTS
  • Accounts

  • Transactions (90days)

  • Balances

  • Standing orders

  • Direct debits

  • Beneficiaries

  • Products

  • Offers

  • Parties

  • Scheduled Payments

  • Statements


Article 10A - Endpoints not exempt of SCA-RTS
  • Transactions (more than 90days)

  • Standing orders

  • Direct debits

  • Beneficiaries

  • Products

  • Offers

  • Parties

  • Scheduled Payments

  • Statements


Article 10A - Maximum time period after authentication

90 days for TPPs to enforce customers. No further restrictions applied under Article 10a by Chase


SCA-RTS implementation status (updated by OBL PS team only)

IMPLEMENTEDIMPLEMENTED


Security Profile


-Which Security profile have you Implemented or planning to implement?

(Lowest version = Current, Highest version = Planned)

  • OB Security Profile (Legacy)
  • FAPI (ID2)
  • FAPI 1 Advanced
  • Other (Please define) 

Security Profile - Next Planned Version Implementation DateN/A
CIBA Profile - Implemented or planning to implement

(Lowest version = Current, Highest version = Planned)

  • None
  • CIBA
  • CIBA FAPI Profile

CIBA Profile - Next Planned Version Implementation DateN/A
Security Profile Certification date?
 

Token Endpoint Authentication Methods Supported
  • client_secret_post
  • client_secret_basic
  • client_secret_jwt
  • tls_client_auth
  • Private_key_jwt

Planned date to Cease support for client id and client secret token endpoint authentication

POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021)
  • eIDAS QWAC
  • eIDAS QSealC
  • OB legacy (obtransport, obsigning)
  • OBWAC
  • OBSeal
  • Other (Please define) 


Customer Journey

-What is your approach to Implementing OBL Customer Experience Guidelines (CEG)?

(tick all that apply)

  • Already Implemented
  • Planning to implement or upgrade
  • Not planning to implement CEG

Which version have you implemented or planning to implement?

(Lowest version = Current, Highest version = Planned)

  • V3.1.2
  • V3.1.3
  • V3.1.4
  • V3.1.5
  • V3.1.6
  • V3.1.7
  • V3.1.8
  • v3.1.9
  • v3.1.10
  • V3.1.11
  • V4.0

Which date are you planning to implement your latest CEG version?N/A
Redirection Model
  • App to App redirection
  • Decoupled authentication
  • Embedded Flow
  • Bespoke User Journeys

PSD2
-Which Directory are you using as your Trust Framework?

Banfico directory


Are you caching the Directory?No
Transaction IDs SupportedYes

Are you Seeking Fallback Exemption?

  • Yes
  • No


Article 10 - Maximum time period after authentication90 days
Article 10 - Endpoints exempt of SCA
  • Transactions (90 days)
  • Balances

Major Milestones

Dedicated Interface 23/05/2023

Sweeping VRPs Q4 2023

Brand(s)Chase UK
ASPSP Dev Portal and Contact Details

Location of Well Known Endpoints

Sandbox: https://auth.openbanking-obie-sandbox.chase.co.uk/auth/realms/provider/.well-known/chase-configuration
Production: https://auth.openbanking-obie.chase.co.uk/auth/realms/provider/.well-known/chase-configuration

Modified Customer Interface URL (if applicable)

https://developer.jpmorgan.com/solutions/account-information-payments
Dev Portal URL

https://bfcbank-uk.github.io/bfc-devportal/

https://developer.openbanking-obie.chase.co.uk/


Test Facility URLhttps://developer.openbanking-obie-sandbox.chase.co.uk/
Brand Landing Pages URL
[You can use this space to explain your guidance on using Brand logos]

ASPSP Support Desk Email or Phone Number

(including queries about consent success rates) 

open.banking@chase.com

From the UK: 0800 376 2222

From abroad: +44 203 493 0829

Key Implementations

High Cost Credit

N/A as currently do not offer any borrow products