Pay Chase is Chase's online payment system for credit card holders
Pay Chase is the payment portal where you log in to your Chase credit card account and send money to cover your balance. You access it through Chase's website or mobile app, and you can pay your full balance, a minimum payment, or any amount in between. Payments typically post within one business day if you pay before the cutoff time (usually 8 p.m. Eastern), or the next business day if you pay after.
The system lets you set up one-time payments or recurring automatic payments. You can pay from a checking or savings account linked to your Chase profile, or from an external bank account you add during the payment process. Chase does not charge a fee to pay your bill through this method.
Key Takeaways
- Pay Chase is accessed through your Chase online account or mobile app by logging in with your username and password.
- Payments from a linked Chase checking or savings account post within one business day if submitted before 8 p.m. Eastern on a business day.
- You can set up automatic recurring payments on a date you choose each month, which reduces the risk of missing a due date.
- Payments from external bank accounts take longer to post and require you to add the account details during the payment process.
How to make a one-time payment through Pay Chase
Log into your Chase account on chase.com or open the Chase mobile app. From your credit card account page, look for a "Pay" or "Make a Payment" button — the exact label varies slightly depending on which device or interface you are using. Click or tap it to open the payment screen.
Enter the amount you want to pay. You will see your current balance, minimum payment due, and due date on the same screen. Choose which bank account the money will come from: a Chase account already linked to your profile, or an external account. If you choose an external account and have not used it before, you will need to enter the routing number and account number, and Chase will verify the account before the payment goes through.
Review the payment date. If you submit the payment before the cutoff time on a business day, Chase will post it the next business day. If you submit it after hours or on a weekend, it will post on the next business day after that. Confirm the details and submit. You will receive a confirmation number when ready.
Setting up automatic payments to avoid missed due dates
Automatic payments remove the need to remember your due date each month. From the Pay Chase screen, select "Set Up Automatic Payments" or a similar option. Choose the amount: you can set it to pay your full statement balance, your minimum payment, or a fixed dollar amount you specify.
Select the date each month when you want the payment to go out — for example, the 15th or the 25th. Choose which bank account to draw from. Chase will then deduct that amount automatically on that date each month until you cancel the setup.
Automatic payments are useful if you want to may support you never miss a due date, but they do not protect you if your bank account has insufficient funds on the payment date. If the payment fails because of low funds, Chase will typically attempt it again, but a failed payment can result in a late fee. Check your account balance before the automatic payment date if you are uncertain.
Payments from external bank accounts and timing
If you pay from a bank account that is not a Chase account, the payment takes longer to post. Chase must verify the account first, which can take one to two business days. After verification, the actual payment transfer takes an additional one to two business days. This means an external bank account payment can take three to four business days from submission to posting on your Chase credit card.
Because of this delay, do not use an external bank account payment if your due date is fewer than four business days away. Instead, use a Chase checking or savings account if you have one, or call Chase directly at the number on the back of your card to make a same-day payment over the phone.
Once an external account is verified, you do not have to re-enter the details each time. Chase stores it in your profile, and you can select it from a dropdown menu on future payments.
What happens if you miss a payment or pay late
If your payment does not post by the due date shown on your statement, Chase will charge a late fee. The amount varies by card and by how late the payment is, but late fees typically range from $25 to $40 for the first late payment. If you are late again within six months, the fee may be higher.
A late payment also affects your credit score. It will appear on your credit report and can lower your score by 100 points or more, depending on how late it is and your overall credit history. The impact is largest if the payment is 30 days or more overdue.
If you realize you will miss the due date, contact Chase before the date passes. You may be able to request a one-time waiver of the late fee, especially if you have a good payment history. Chase customer service can be reached at the number on the back of your card.
Payment methods Chase does not accept through Pay Chase
Chase does not accept credit card payments through Pay Chase using another credit card, a debit card, or a prepaid card. You must pay from a bank account — either a checking or savings account at any U.S. bank. This rule exists because credit card companies are not permitted to accept credit card payments from other credit cards due to regulations and fraud prevention.
If you do not have a bank account, you can pay by phone by calling the number on the back of your card. A representative can take payment information over the phone, though this method may have different rules or fees depending on the payment method you use.
Frequently Asked Questions
What time does Chase stop accepting payments on the due date?
Chase stops accepting online payments at 8 p.m. Eastern on the due date. If you submit a payment after that time, it will be treated as late. Payments submitted before 8 p.m. Eastern on a business day post the next business day, so they will be on time if submitted before the cutoff on the due date itself.
Can I pay my Chase credit card bill through a different bank's app?
Yes. Most banks allow you to set up bill payments to external accounts, including Chase credit cards. Log into your bank's app, select bill pay, and enter your Chase credit card account number and the payment address shown on your statement. The payment will be sent from your bank to Chase, though it may take several business days to post.
What if my automatic payment fails because my account has no funds?
Chase will typically attempt the payment again within a few days. If it fails a second time, you will owe a late fee and the payment will not post. Log into Pay Chase when ready and make a manual payment from an account with sufficient funds to avoid further late fees and credit score damage.
Can I cancel an automatic payment I set up?
Yes. Log into your Chase account, go to the automatic payments section, and select the payment you want to cancel. You can cancel it when ready, and it will not process on the next scheduled date. If you want to change the amount or date instead of canceling, you can edit the setup from the same screen.
Is there a maximum amount I can pay through Pay Chase in one day?
Chase does not publish a specific daily limit for online payments, but very large payments may trigger fraud detection and require additional verification. If your payment is declined, contact Chase customer service at the number on your card to confirm the amount and complete the payment.