Ranked in 2 industries
This company is listed under more than one industry, so we show its position in each rather than picking one.
Score of 86.6/100 qualifies for PaymentCheck Certification
J.P. MORGAN PERSONAL INVESTING LIMITED consistently demonstrates strong payment performance with an average time of 22 days, indicating a rapid settlement trend. A significant 74% of invoices are paid within 30 days, reinforcing a trajectory towards prompt processing. The remaining 25% falling within 31-60 days suggests a slight tail, but overall consistency remains high.
The payment data indicates high reliability with only 3% of invoices categorized as late, signaling low volatility in payment behavior. While 74% are very prompt, the 25% settling between 31-60 days introduces a moderate predictability factor requiring slight cash flow consideration. The negligible 1% paid over 60 days suggests minimal exposure to extended delays, making payment patterns largely predictable.
J.P. MORGAN PERSONAL INVESTING LIMITED presents a very low payment risk profile for suppliers, making them a highly desirable client. Key decision factors include their average 22-day payment time and 74% within 30 days, ensuring consistent and quick cash inflow. While 25% of payments extend to 31-60 days, suppliers should factor this minor potential lag into their cash flow planning for optimal management.
| Reporting Period | Filing Date | Average Time to Pay (days) | Paid within 30 days | Paid 31-60 days | Paid after 60 days | Not Paid within Terms |
|---|---|---|---|---|---|---|
| 01 Jul 2025 - 31 Dec 2025 | 28 Jan 2026 | 21 | 75% | 24% | 1% | 2% |
| 01 Jan 2025 - 30 Jun 2025 | 31 Jul 2025 | 22 | 74% | 25% | 1% | 3% |
This information is as reported by the business, and responses are in their own words.
Standard payment terms
Each JPMorgan Chase group company’s (JPMC) standard payment terms are “2% 10; net 60”, unless different terms are negotiated under contract or mandated by law in a particular country, meaning JPMC pays undisputed amounts within 60 days from receipt of an accurate invoice and may take a two percent discount off any amounts due under an accurate invoice as long as it pays within 10 business days from receipt. JPMC’s standard form contract typically used for higher risk engagements has standard payment terms of 2% 10; net 60 (as above). JPMC’s standard form contracts typically used for lower/minimal risk engagements have standard payment terms of 45 days after receipt of a correct invoice. JPMC’s standard purchase order terms and conditions typically used for minimal risk engagements have standard payment terms of 2% 10; net 60. Where payments are made by credit card (virtual card payment), payment terms have been aligned to our standard payment terms and will be evaluated against net 60-day terms rather than pay immediately upon invoice approval.
Were there any changes to the standard payment terms in the reporting period?
No information available
Any other information about payment terms
N/A
Maximum contractual payment period agreed
60
A qualifying contract may set out a dispute resolution process. The sophistication of this process depends on the risk rating and therefore complexity of the contract, with contracts used for higher risk engagements containing a multi-tiered (or escalation) dispute resolution clause. Practically, and even in the absence of an escalation/dispute resolution clause in a qualifying contract, an internal escalation process is followed which is materially consistent, as regards JPMC, with a multi-tiered contractual clause.
Has this business signed up to a code of conduct or standards on payment practices?
For example, signatories to The Prompt Payment Code must commit to paying 95% of their invoices within 60 days.
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Does this business offer e-invoicing in relation to qualifying contracts?
This is where suppliers can electronically submit and track invoices. It's not just allowing suppliers to email them an invoice.
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Does this business offer supply chain finance?
This is where a supplier who has submitted an invoice can be paid by a third-party finance provider earlier than the agreed payment date. The business would then pay the finance provider the invoiced sum.
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Under its payment practices and policies, can this business deduct sums from payments under qualifying contracts as a charge for remaining on a supplier list?
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During the reporting period, did the business deduct sums from payments as a charge for remaining on a supplier list?
No information available
J.P. Morgan Personal Investing Limited, registered in London, is a digital wealth management firm previously known as Nutmeg. It became part of JPMorganChase in 2021 and rebranded in 2025. The company offers online investment products including Stocks and Shares ISAs, a Personal Pension, a Lifetime ISA, a Junior ISA and a General Investment Account, with portfolios built from exchange-traded funds and managed by its investment team. Clients can choose an investment style and risk level, access free financial guidance or a wealth planner, or pay for bespoke financial advice. It describes itself as offering 'restricted advice', recommending only its own range of products and services.
Generated from the company's website and Companies House records. Sources: nutmeg.com · nutmeg.com