The fastest way to pay Chase online is through your Chase account dashboard or the Chase Mobile app
Log into your Chase account at chase.com, select the card you want to pay, and choose "Pay Now" or "Make a Payment". You can pay your full balance, the minimum due, or any amount in between. The payment posts the same business day if you pay before the cutoff time (usually 8 p.m. Eastern), or the next business day if you pay after.
You do not need to set up anything in advance — you can make a one-time payment with just your account login. If you pay regularly, you can also set up automatic payments so the money transfers on a date you choose each month.
Key Takeaways
- Chase payments made before 8 p.m. Eastern on a business day post the same day; payments after that cutoff post the next business day.
- You can pay from a Chase checking or savings account, an external bank account, or a debit card without setting up anything beforehand.
- Automatic payments can be set to pay your full balance, minimum due, or a fixed dollar amount on a date you choose each month.
- If you miss a payment important date, you can still pay online at any time, but late fees and interest charges may explore depending on your account terms.
Paying from a Chase bank account
If you have a Chase checking or savings account, paying from it is the simplest route. Log in, go to your credit card, select "Make a Payment", and choose the Chase account you want to pay from. Enter the amount and confirm. The money moves when ready within your Chase system and posts to your card the same business day.
You do not need to enter bank details or routing numbers — Chase already has them on file. This method also avoids any fees, since you are moving money between your own accounts at the same bank.
Paying from an external bank account
You can link a checking or savings account at another bank and pay from there. Go to "Make a Payment", select "Add Bank Account", and enter your routing number and account number. Chase will verify the account by depositing two small amounts (usually under $1 each) into it, which you then confirm in your Chase account. Once verified, you can pay from that account when ready.
Payments from external accounts typically post within one to three business days, depending on your bank's processing speed. If you are close to a due date, factor in this delay — a payment made on the due date from an external account may not post in time to avoid a late fee.
Paying with a debit card
You can also pay with a debit card without setting up a bank account link. Select "Make a Payment", choose "Debit Card", and enter the card number, expiration date, and CVV. The payment posts the same business day if made before the cutoff.
This method is useful for one-time payments or if you do not want to link a bank account. However, if your debit card issuer charges a fee for third-party transactions, you may be charged that fee — Chase itself does not charge a fee for debit card payments.
Setting up automatic payments
Automatic payments remove the need to log in each month. Go to "Autopay" or "Automatic Payments" in your account settings, select the card, and choose when you want the payment to happen (usually between the 1st and 28th of each month). You can set it to pay your full statement balance, the minimum due, or a fixed amount you choose.
If you choose "Full Balance", Chase pays whatever your statement balance is on the day the payment processes, so your balance stays at zero each month. If you choose a fixed amount, make sure it covers at least the minimum due, or you may incur late fees. You can change or cancel automatic payments at any time.
What to do if a payment does not post
If you made a payment and it does not appear in your account within the expected timeframe, log in and check the "Payments" or "Transaction History" section. Pending payments show there with an expected posting date. If the payment shows as pending but the date has passed, contact Chase customer service — you can call the number on the back of your card or use the chat feature in your account.
If you paid from an external bank account, the delay may be on your bank's end, not Chase's. Check your bank's transaction history to confirm the money left your account. If it did, Chase received it and will post it within the timeframe they quoted.
Avoiding late fees and interest charges
Your due date is printed on your statement and shown in your online account. A payment is on time if it posts by 5 p.m. Eastern on the due date. If you pay after that time, or if the payment does not post until after the due date, you may be charged a late fee and your interest rate may increase.
If you are close to your due date and paying from an external account, use a Chase account or debit card instead — both post the same day. If you miss a due date, pay as soon as you can. The late fee applies once, but interest charges continue to accrue on your balance until you pay it off.
Frequently Asked Questions
Can I pay my Chase credit card with a credit card from another bank?
No. Chase does not accept credit card payments from other issuers. You can pay with a debit card, a checking or savings account (at any bank), or a Chase account. Paying with another credit card would also count as a cash advance on that card, which carries higher interest rates and fees.
What time does Chase stop accepting payments each day?
Chase stops accepting same-day payments at 8 p.m. Eastern on business days. Payments made after 8 p.m. or on weekends and holidays post the next business day. The exact cutoff may vary slightly by payment method, so check your account for the specific time.
Do I get charged a fee to pay online?
No. Chase does not charge a fee for online payments made from a Chase account, external bank account, or debit card. Your bank or debit card issuer might charge a fee for the transaction, but Chase's fee is always zero.
What happens if I pay more than I owe?
The overpayment sits as a credit on your account and reduces your next statement balance. You can use it toward future purchases, or contact Chase to request a refund of the overpayment to your bank account.
Can I schedule a payment for a future date?
Yes. When you make a payment, you can choose the date you want it to process (usually up to 30 days in the future). This is different from automatic payments — it is a one-time payment that happens on the date you pick.