Chase Online Bill Pay lets you send a payment from your bank account to your Chase credit card through Chase's website or mobile app
You log into your Chase account, enter the amount and payment date you want, and Chase moves money from your linked bank account to your card. The payment posts within one to three business days, depending on when you schedule it. You do not need to set up a separate bill pay service — it is built into your Chase online banking.
This is different from paying through a third-party bill pay service. Chase handles the transfer directly, and you see the payment history in your Chase account right away.
Key Takeaways
- Log into your Chase account online or through the mobile app, then select the card you want to pay and enter the amount.
- You can schedule a payment for today, a future date, or set up recurring payments that happen on the same day each month.
- Payments take one to three business days to post, so schedule before your due date to avoid late fees.
- You need a bank account linked to your Chase account; the money comes from that account, not from another Chase card.
How to make a one-time payment through Chase Online
Start by logging into your Chase account at chase.com or opening the Chase mobile app. Go to the credit card account you want to pay. You will see a "Pay" button or link — click it.
Enter the amount you want to pay. You can pay the full balance, the minimum payment, or any amount in between. Then select the date you want the payment to go out. If you choose today, the payment leaves your bank account when ready. If you choose a future date, Chase holds the payment and sends it on that day.
Review the payment details — the card, the amount, the date, and the bank account it will come from. Confirm the payment. You will see a confirmation number on screen and receive an email receipt.
Setting up automatic or recurring payments
If you want Chase to pay your card on the same day every month, you can set up a recurring payment instead of paying manually each time. Log into your account, go to the card you want to pay, and look for an option to "Set up automatic payments" or "Manage automatic payments."
Choose how much you want to pay each month — the full balance, the minimum, a fixed dollar amount, or the statement balance. Then pick the day of the month you want the payment to go out. Chase will send that payment automatically on that day until you turn it off.
Automatic payments are useful if you want to make sure you never miss a due date, but you can cancel or change them at any time by logging back into your account.
What bank account you need and how to link it
The money for your Chase credit card payment comes from a bank account you own — usually a checking account at any U.S. bank. It does not have to be a Chase bank account. When you set up a payment for the first time, Chase asks you to enter the routing number and account number of the bank account you want to use.
You can find your routing number on the bottom left of a check, or by calling your bank. Your account number is on the bottom center of a check. If you do not have a check, log into your bank's website and look for account details.
Chase verifies the account by depositing two small amounts (usually less than $1 each) into it within a few business days. You then log back into Chase and confirm those amounts to prove you own the account. After that, the account is linked and you can use it for payments.
How long payments take to post
Once you confirm a payment, it takes one to three business days for the money to leave your bank account and post to your Chase card. The exact timing depends on when you schedule it and when your bank processes it.
If you schedule a payment for a future date, that clock starts on the date you chose, not the date you made the payment. For example, if today is Monday and you schedule a payment for Friday, the payment will not leave your bank account until Friday at the earliest.
Because of this timing, you should schedule your payment at least three business days before your due date. If your due date is a Friday and today is Wednesday, schedule the payment for Tuesday or earlier to be safe.
What to do if you need to cancel or change a payment
If you scheduled a payment but need to stop it or change the amount, log back into your Chase account and look for "Pending payments" or "Payment history." You can cancel a payment as long as it has not already been sent to your bank. Once Chase sends it to your bank, you cannot cancel it through Chase — you would need to contact your bank.
If you set up a recurring automatic payment and want to turn it off, go to "Manage automatic payments" in your account and delete it. The next scheduled payment will not go out, but any payment already sent will still post.
Fees and limits for Chase Online Bill Pay
Chase does not charge a fee to pay your credit card through online bill pay. There is no cost per payment, no monthly fee, and no fee to set up automatic payments.
Chase does not publish a limit on how much you can pay in a single transaction, but your payment cannot exceed your credit limit or the amount you owe. If you try to pay more than you owe, the system will reject it.
Frequently Asked Questions
Can I pay my Chase credit card from a bank account at a different bank?
Yes. Your bank account can be at any U.S. bank — it does not have to be a Chase account. You link it by entering your routing and account number, and Chase verifies it with two small test deposits.
What happens if I schedule a payment but my bank account does not have enough money?
Chase will attempt to pull the money on the date you scheduled. If your bank account does not have enough funds, the payment will fail and your bank may charge you an overdraft fee. Chase will notify you that the payment did not go through, and you can try again with a smaller amount or after you deposit more money.
Can I pay my Chase card from another Chase card?
No. The payment must come from a bank account you own, not from another credit card. Paying a credit card with another credit card is treated as a cash advance and comes with fees and higher interest rates.
Is Chase Online Bill Pay the same as Chase Mobile Pay?
Chase Mobile Pay is a way to send money to other people using their phone number or email. Online Bill Pay is for paying your own Chase bills and credit cards. They are separate services, though you access both through the Chase app or website.
What if my payment does not show up after three business days?
Log into your Chase account and check your payment history to confirm the payment was sent. If it shows as sent but has not posted to your card, contact Chase customer service with your confirmation number. If the payment never went out, it may have failed due to a bank account issue — Chase will have sent you a notification explaining why.