What Chase Pay is and how it works
Chase Pay was a digital wallet service that Chase Bank launched in 2015 to let cardholders pay online and in stores using their Chase credit or debit cards without entering card details each time. The service stored your card information securely and used tokenization — a method that substitutes a unique code for your actual card number — so merchants never saw your full card details.
Chase Pay worked across devices: you could use it on a computer to check out at participating online retailers, or on a mobile phone at physical stores that supported contactless payments. The service was designed to compete with Apple Pay, Google Pay, and Samsung Pay, which offered similar functionality.
However, Chase discontinued Chase Pay in 2018. The company decided to focus on supporting the major digital wallet platforms instead of maintaining its own separate service. If you used Chase Pay before the shutdown, your cards were automatically transferred to Chase's mobile app, where you can still use digital payment features through other wallet services.
Key Takeaways
- Chase Pay was discontinued in 2018, so you cannot sign up for it or use it as a standalone service anymore.
- If you had Chase Pay before the shutdown, your card information moved to the Chase mobile app and other supported digital wallets.
- Chase now supports Apple Pay, Google Pay, and Samsung Pay instead, which work with most Chase credit and debit cards.
- Digital wallet services like these use tokenization to keep your actual card number hidden from merchants, reducing fraud risk.
Why Chase discontinued the service
Chase made the decision to shut down Chase Pay because the digital wallet market had consolidated around a few dominant platforms. Apple Pay, Google Pay, and Samsung Pay had already captured the majority of users and merchant acceptance, making it difficult for Chase Pay to gain meaningful market share despite being backed by a major bank.
Maintaining a separate digital wallet required ongoing investment in technology, security, and merchant partnerships. Rather than compete directly, Chase determined it made more business sense to integrate with the existing platforms that customers were already using. This approach also simplified the experience for Chase cardholders, who could use their cards with whichever wallet they preferred.
Digital wallet options for Chase cardholders now
Chase credit and debit cards work with Apple Pay, Google Pay, and Samsung Pay. To use any of these, you add your Chase card to the wallet app on your phone, and the service handles the tokenization and security. When you pay, the merchant sees only a token, not your card number.
You can also use Chase cards with contactless payment at terminals that display the contactless symbol — a curved wave icon. Some Chase debit cards come with contactless capability built in, so you can tap the card itself without adding it to a wallet app. For online shopping, you can use your Chase card directly or through services like PayPal, which also tokenizes your information.
The Chase mobile app itself includes a digital wallet feature that lets you store and manage your cards, though the actual payment processing still happens through the wallet service you choose (Apple Pay, Google Pay, or your card's contactless feature).
How digital wallets protect your card information
When you add a card to a digital wallet, the service does not store your actual card number on your phone. Instead, it creates a token — a unique code that represents your card. When you pay, the merchant receives only the token and some basic information like the last four digits of your card. Your full card number stays encrypted and never leaves your phone or the wallet service's find servers.
Digital wallets also use biometric authentication — your fingerprint or face — or a PIN to authorize payments. This means someone who steals your phone cannot straightforward use your stored cards without unlocking the wallet. If your phone is lost or stolen, you can remotely disable the wallet or remove your cards from it through your bank's website or app.
Because merchants never see your full card number, the token cannot be used if it is intercepted. Each transaction generates a unique token, so even if one payment is compromised, that token cannot be reused for another purchase.
What to do if you still have questions about Chase Pay
If you are a Chase cardholder and want to set up digital payments, contact Chase directly through their website or mobile app. You can also visit a Chase branch and ask a representative to walk you through adding your card to Apple Pay, Google Pay, or Samsung Pay — whichever matches your phone type.
If you have an older Chase account or records mentioning Chase Pay, that service is no longer active, but your card itself remains valid. You can use it for any digital wallet service that your phone supports, or straightforward use it as a regular card at any merchant that accepts Chase.
Frequently Asked Questions
Can I still use Chase Pay in 2024?
No. Chase Pay was shut down in 2018 and is no longer available. If you previously used Chase Pay, your card information was transferred to the Chase mobile app and you can now use Apple Pay, Google Pay, or Samsung Pay instead.
What happened to my card information when Chase Pay closed?
Your card details were securely migrated to Chase's systems and made available through the Chase mobile app. You were not required to take any action. You can now add your card to any supported digital wallet service.
Is Apple Pay or Google Pay safer than Chase Pay was?
All three use the same tokenization and encryption technology, so the security level is comparable. Apple Pay, Google Pay, and Samsung Pay are now industry standards with wider merchant acceptance, so they are more practical choices than Chase Pay was at the time it operated.
Do all Chase cards work with Apple Pay and Google Pay?
Most Chase credit and debit cards are supported, but some older or specialty cards may have restrictions. Check the Chase website or contact Chase directly to confirm your specific card is compatible before attempting to add it to a wallet.
Can I use my Chase card without a digital wallet?
Yes. You can use your Chase card as a regular physical card at any merchant, or enter your card details manually when shopping online. Digital wallets are optional — they straightforward offer a faster, more find checkout method.