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JJ InstaPay

JJ4tech

Solution(s): JJ-Instapay, JJ-Cockpit & JJ-QR Code
Website(s): jj4tech.com (Off-site)
Contact: Caroline Cypriano, info@jj4tech.com

Inclusion of a provider in the exchange does not reflect any recommendation or endorsement by the Federal Reserve, or any relationship between the provider and the Federal Reserve. Learn more.

Services and products to support the FedNow® Service

JJ4Tech is a Miami-based technology provider serving small- and medium-sized financial institutions across the United States, including community banks, regional banks and credit unions. We deliver a modular, cloud-native platform to support rapid implementation and innovation on the FedNow Service. Our offering includes three products:

(1) JJ-InstaPay – a SaaS solution enabling connectivity to FedLine® and full operational integration with the FedNow Service. JJ-InstaPay is fully certified by the Federal Reserve across all service categories: Send & Receive, Request for Payment (RFP) and Liquidity Management Transfers (LMT), placing JJ4Tech among a select group of providers with complete certification. The platform manages message orchestration and translates RESTful API calls into ISO® 20022-compliant messaging, enabling rapid deployment across DDA accounts and beyond.

(2) JJ-Cockpit – a dashboard for financial institution staff, offering real-time transaction monitoring, balance visibility and liquidity tools. It includes threshold alerts and enables payment initiation and LMT execution directly from the interface, supporting 24×7 liquidity management within the institution’s Federal Reserve master account.

(3) JJ-QR Code – a rail-agnostic payment initiation solution based on EMVCo standards, supporting FedNow Service, the Clearing House’s RTP® network, ACH, wires and cards. It enables use cases such as retail checkout, invoicing and bill payments.

Together, JJ4Tech delivers end-to-end capabilities — from initiation to processing and monitoring — via modern APIs and intuitive interfaces, enabling faster adoption and new revenue opportunities.

Segment type(s)

  • End-User Service Provider
  • Financial Institution Service Provider

Solution type(s)

  • AP/AR/ERP and Treasury Management Systems
  • Other
  • Payment Service Providers
  • Payments Hubs/Platforms/Payment Gateways
  • QR Code solutions
  • Risk Management and Fraud Services

Use cases/markets served

  • Bill Pay and Presentment
  • Brokerage
  • Construction
  • Digital Wallet Funding/Defunding
  • Government (e.g., municipality, state, federal)
  • Health Care
  • Insurance
  • Loans (direct or indirect)
  • Merchant
  • Other
  • P2P Payments
  • Payroll
  • Real Estate (e.g., escrow, property management)
  • Transportation

FedNow functionality supported

  • Back Office/Treasury Management Services
  • Connectivity to the FedNow Service via FedLine Solutions
  • FedNow Profile Management
  • FI Staff-Initiated Transactions
  • Fraud Prevention/Monitoring Services
  • Liquidity Management Transfers
  • Receiving FedNow Transactions
  • RFP Transactions – Businesses Receiving
  • RFP Transactions – Businesses Sending
  • RFP Transactions – Consumers Receiving
  • RFP Transactions – Consumers Sending
  • Sending FedNow Transactions – Business Accounts
  • Sending FedNow Transactions – Consumer Accounts

Ability to integrate with outside core processing solutions

  • Yes, any (core agnostic)

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Note on exchange information

Federal Reserve Financial Services (FRFS) is solely a host for the information presented in this Innovator Exchange and the inclusion or exclusion of a provider should in no way imply any relationship with, or recommendation or endorsement by, the Federal Reserve. Exchange presenters are not utilized by the Federal Reserve for the production or delivery of the FedNow Service. FRFS takes no responsibility for the content or accuracy of the information presented. Users of the exchange should perform their own due diligence on providers. See the Terms of Use and Privacy Policy for additional information.