What Chase Online Pay Does
Chase Online Pay is Chase Bank's tool for making one-time or recurring payments to your Chase credit card account through their website or mobile app. You can pay from a bank account you own, and the payment goes directly to your card balance. It takes a few minutes to set up and you control when the money leaves your account.
The service is free — Chase does not charge a fee to use it. You do not need to enroll in anything special; if you have a Chase credit card and online banking access, you can start paying when ready.
Key Takeaways
- Log into your Chase account online or through the mobile app, find your card, and select "Make a Payment" to pay from your own bank account.
- You can schedule a payment for today, a future date, or set it to repeat monthly on the same day.
- Payments from the same bank (Chase to Chase) usually post within one business day; payments from other banks take one to three business days.
- If you miss a due date, you can still make a payment, but late fees and interest charges will have already been applied to your account.
- Chase Online Pay does not work with credit cards from other banks — use your card issuer's own payment system instead.
How to Make a Payment Through Chase Online Banking
Go to Chase.com and sign in with your username and password. Find your credit card account in the list on the left side of the screen. Click on the card you want to pay.
Look for a button or link that says "Make a Payment" or "Pay Now." Click it. You will see a form asking how much you want to pay and when. Enter the amount, choose today's date or pick a future date from the calendar, then select the bank account the money should come from. If you have not linked a bank account yet, you will be asked to add one — provide your routing number and account number.
Review the details one more time, then click "Confirm" or "Submit." You will see a confirmation number on the screen. Write it down or take a screenshot. Chase will also send you an email confirmation.
Paying Through the Chase Mobile App
Open the Chase mobile app and tap the credit card you want to pay. Scroll down until you see "Make a Payment" or a similar option and tap it. The form works the same way as the website: enter the amount, pick the date, choose your bank account, and confirm.
The app will show you a confirmation number and send a confirmation email. You can check the status of your payment anytime by opening the app and looking at your recent transactions or payment history.
Understanding Payment Timing and When Money Posts
The speed of your payment depends on where your money is coming from. If you are paying from another Chase bank account, the payment usually posts to your credit card within one business day. If you are paying from a bank account at a different bank, it takes one to three business days.
Business days are Monday through Friday, excluding federal holidays. A payment you make on Friday evening might not post until the following Tuesday. If your due date is coming up, do not wait until the last day — make your payment at least two business days early to be safe.
Once your payment posts, your available credit goes back up and your balance goes down. You can see this reflected in your account when ready after the payment clears.
Setting Up Automatic Monthly Payments
If you want to pay the same amount every month on the same day, you can set up a recurring payment instead of making a one-time payment each time. When you are in the payment form, look for an option that says "Make this a recurring payment" or "Set up automatic payments." Select it.
Choose the day of the month you want the payment to happen — for example, the 15th of every month. Enter the amount. The payment will then happen automatically on that date each month until you turn it off. You can change or cancel a recurring payment anytime by going back into your payment settings.
Many people set their recurring payment to the minimum amount due or a fixed amount they can afford. Just remember that if your balance changes, a fixed payment might not cover the full amount owed, and interest will still accrue on the remaining balance.
What to Do If Your Payment Does Not Post
Check the status of your payment first. Log into your Chase account, go to your credit card, and look for a "Payment History" or "Recent Transactions" section. Find the payment you made and see what it says — it should show "Pending," "Processing," or "Posted."
If it says "Pending" or "Processing," wait the full number of business days before worrying. If it has been longer than three business days and the payment still has not posted, or if it says "Failed" or "Cancelled," contact Chase customer service. You can call the number on the back of your card, use the chat feature in your online account, or visit a Chase branch in person. Have your confirmation number ready.
If a payment failed because the bank account information was wrong or the account did not have enough money, Chase will usually tell you why. You can then make a new payment with corrected information.
Paying a Chase Card From a Non-Chase Bank Account
You can pay your Chase credit card from a checking or savings account at any other bank. When you set up the payment, enter your routing number and account number from that bank. Chase will verify the account — this usually takes one business day the first time you link it.
After verification, payments from that account take one to three business days to post. The money leaves your bank account on the date you choose, but it may not show up on your Chase card for a day or two after that. If you are paying close to your due date, account for this delay.
Frequently Asked Questions
Can I pay my Chase credit card with a debit card or credit card from another bank?
No. Chase Online Pay only accepts payments from bank accounts (checking or savings) that you own. You cannot use another credit card or debit card to pay. If you want to pay with a debit card, you would need to transfer money from that debit card's bank account first, then pay from that account.
What if I pay more than I owe?
The extra money becomes a credit on your account. You can use it toward future purchases, or you can request a refund by contacting Chase. Some people intentionally overpay to build up a credit balance so they do not have to pay as much next month.
Is there a maximum amount I can pay at one time?
Chase does not publish a specific limit, but very large payments may trigger fraud checks. If your payment is declined for this reason, contact Chase to confirm it is legitimate, and they will usually process it. For regular monthly payments, you are unlikely to hit any limit.
Can I pay my Chase card from someone else's bank account?
No. The bank account must be in your name. If someone else wants to help you pay, they would need to transfer money to your account first, then you pay from your own account. Alternatively, some Chase cards allow authorized users to make payments, but the account still belongs to the primary cardholder.
What happens if I pay late?
Late fees and interest charges are applied as soon as your due date passes, even if you make a payment the next day. Paying late does not erase those charges. The payment will still reduce your balance, but the fees stay on your account. If you are frequently late, contact Chase to discuss options like changing your due date.