Chase Online Payment: The Basic Steps
To pay your Chase credit card online, log into your Chase account at chase.com, select your card, and choose "Make a Payment" from the account menu. You can pay from a Chase checking or savings account you own, or from an external bank account you have already registered. Chase processes most payments the same business day if you submit before the cutoff time, which is typically 8 p.m. Eastern Time on business days.
The payment appears as pending when ready after you submit it, but the funds may take one to three business days to leave your bank account, depending on whether you chose a standard or expedited transfer. Your Chase card balance updates once the payment actually clears, not when you submit the request.
Key Takeaways
- Log into chase.com, select your card, and choose "Make a Payment" to send money from a Chase account or a registered external bank account.
- Standard payments process the same business day if submitted before 8 p.m. Eastern Time, but funds may take one to three business days to actually transfer.
- You can schedule a payment in advance by selecting a future date during the payment process, which is useful for automating regular payments.
- Expedited payments cost a fee (the amount varies) and may provide next-business-day processing, but are only necessary if you are close to a due date.
- If you pay from an external bank account for the first time, Chase requires you to verify that account before the payment will go through.
Paying From a Chase Bank Account
If you have a Chase checking or savings account, paying from that account is the fastest option. During the payment process, select the Chase account you want to pay from, enter the amount, and confirm. The money moves between your accounts within the same business day in most cases, and your card balance updates when ready once the transfer completes.
You do not need to register a Chase account in advance — if it is linked to your Chase login, it appears as an option automatically. This method has no fee and no processing delay beyond the standard one to three business days.
Paying From an External Bank Account
To pay from a bank account at another institution, you must first register that account with Chase. During your first payment attempt, Chase will ask for your bank's routing number and your account number. After you submit this information, Chase sends two small deposits (usually under one dollar each) to that account within one to two business days.
You then log back into Chase and verify the exact amounts of those two deposits to confirm you own the account. Once verified, that bank account becomes available for future payments. The verification step protects you from accidentally sending money to an account you do not control. After verification, payments from that account process on the same schedule as Chase-to-Chase transfers.
Scheduling Payments in Advance
Chase allows you to schedule a payment up to 35 days in advance. During the payment process, select "Schedule a Payment" and choose the date you want the money to leave your account. This is useful if you want to automate a regular payment or may support money reaches your card before the due date without having to remember to pay manually each month.
Scheduled payments appear in your payment history when ready, but the actual transfer does not happen until the date you selected. If you need to cancel or change a scheduled payment, you can do so from your payment history as long as the payment has not yet processed.
Expedited Payments and Rush Fees
If your payment due date is very soon and a standard payment will not clear in time, Chase offers expedited payment for a fee. Expedited payments may provide next-business-day processing and cost a flat fee that varies depending on your payment method and account type — Chase displays the exact fee before you confirm the payment.
Expedited payments are only necessary if you are within a few days of your due date and a standard payment would not arrive in time. For most situations, scheduling a standard payment a few days before your due date is free and sufficient. The fee for expedited payment is not waived even if you are a Chase customer with other products.
What Happens If a Payment Fails
A payment can fail if the external bank account you are paying from does not have enough funds, if the account has been closed, or if there is a mismatch between the account information you registered and what your bank has on file. Chase will notify you by email or through your account dashboard if a payment fails, and the charge will not appear on your card.
If a payment fails, you can attempt it again when ready using a different payment method, or contact Chase to troubleshoot the issue with the original account. A failed payment does not count against your due date — you still have until your statement due date to pay without penalty.
Frequently Asked Questions
How long does it take for a Chase credit card payment to show up?
The payment appears as pending in your account when ready after you submit it. The actual balance update takes one to three business days for standard payments. Expedited payments update within one business day. Weekends and holidays extend the timeline.
Can I pay my Chase card from a credit card or debit card instead of a bank account?
No. Chase only accepts payments from bank accounts you own — either a Chase account or an external checking or savings account. You cannot pay with another credit card or debit card through the Chase website.
What if I miss the 8 p.m. cutoff time?
Payments submitted after 8 p.m. Eastern Time are processed the next business day instead of the same day. The overall timeline for the money to transfer remains one to three business days. If your due date is tomorrow, an expedited payment is your only option.
Do I have to pay the full balance, or can I pay just part of it?
You can pay any amount from one dollar up to your full balance. Paying less than the full balance still counts as a on-time payment as long as you pay at least the minimum amount due by your due date.
Can I set up automatic payments so I do not have to pay manually each month?
Yes. From your Chase account, you can set up automatic payments to occur on a date you choose each month. You can choose to pay a fixed amount, the minimum payment, or the full statement balance. Automatic payments can be changed or canceled anytime from your payment settings.