Chase Payment Solutions

Big-bank flat-rate processing with same-day deposits when paired with a Chase business account.

In-person rate
2.6% + 10c
Online rate
2.9% + 25c
Monthly fee
Free
Contract
Month-to-month

Best for

Existing Chase business-banking customers wanting integrated payments with same-day deposits.

Pricing breakdown

All prices in USDLast verified June 19, 2026

Every fee we track, grouped by where it applies.

In-person payments

In-person terminal and tap-to-pay transactions.

Transaction rate
2.6% + 10c

In-person flat rate. Varies by plan tier; verify.

Monthly fee
Free

In-person plan $0/mo. E-commerce from $9.95/mo.

Terminal cost
Card Reader + Base $129, Countertop $399, Wireless $499, Smart Terminal $499
Setup fee
Free

Online payments

Online checkout and keyed-in card transactions.

Transaction rate
2.9% + 25c

Online rate. Keyed/invoicing 3.5% + 10c. Plan-dependent; verify.

Monthly fee
Free

In-person plan $0/mo. E-commerce from $9.95/mo.

Setup fee
Free

Other fees

Chargeback fee
~$25-100

Per incident. Verify in your agreement.

Early termination fee
None

No ETF on standard flat-rate accounts. Verify.

Refund fee
Fee not returned

Flat-rate processing fee generally not returned. Verify.

PCI compliance fee
Included

PCI compliance included standard; some sub-ISO accounts report fees. Verify.

Contract terms

Contract length
Month-to-month

No long-term contract on standard flat-rate. Verify for legacy Paymentech accounts.

Settlement time
Same-day (Chase account)
Recurring billing
Yes

Chase/WePay platform and Orbital virtual terminal.

Accepted payment methods

Cards, wallets, and other methods supported by Chase Payment Solutions for US merchants.

Cards

  • Visa
  • Mastercard
  • AMEX
  • discover

Digital wallets

  • Apple Pay
  • Google Pay

Other

  • ach

Strengths and trade-offs

Pros

  • Same-day deposits with a Chase business account
  • No monthly fee on the in-person plan
  • Backed by the largest US bank
  • Native recurring billing

Cons

  • Same-day deposits need a Chase business account
  • Hardware is bought outright
  • E-commerce plan carries a monthly fee
  • Standalone reviews are more mixed than the fintech leaders

About Chase Payment Solutions

Chase Payment Solutions is the merchant-services arm of the largest US bank, offering flat-rate card processing for in-person and online with no monthly fee on the in-person plan. Its headline advantage is settlement: same-day deposits at no extra cost when you pair processing with a Chase Business Complete Banking account.

For businesses already banking with Chase, keeping payments and deposits under one roof is convenient, and the flat-rate pricing is competitive. Hardware is bought outright, e-commerce carries a small monthly fee, and the standalone reputation is more mixed than the flat-rate fintechs, but the same-day deposit benefit is a genuine draw for Chase customers.

Chase Payment Solutions was founded in 1799 and is headquartered in New York, USA.

How Chase Payment Solutions compares

Side-by-side with the closest alternatives by estimated cost.

Assumes $15,000/mo volume, $50 average transaction, 70% in-person and 30% online.

Chase Payment Solutions

$447/mo est.

In-person rate
2.6% + 10c
Online rate
2.9% + 25c
Monthly fee
Free
Terminal cost
Card Reader + Base $129, Countertop $399, Wireless $499, Smart Terminal $499
Contract length
Month-to-month
Settlement time
Same-day (Chase account)
Est. monthly cost
$447/mo

Square

$452/mo est.

In-person rate
2.6% + 10c
Online rate
2.9% + 30c
Monthly fee
Free
Terminal cost
Free reader; Reader $59, Terminal $299, Register $799
Contract length
Month-to-month
Settlement time
Next business day
Est. monthly cost
$452/mo

Stripe

$452/mo est.

In-person rate
2.7% + 5c
Online rate
2.9% + 30c
Monthly fee
Free
Terminal cost
Reader M2 $59, WisePOS E $249, Reader S700 $349
Contract length
No contract
Settlement time
Standard payouts
Est. monthly cost
$452/mo

PayPal

$438/mo est.

In-person rate
2.29% + 9c
Online rate
2.99% + 49c
Monthly fee
Free
Terminal cost
PayPal Zettle reader ~$29 (first reader); extras ~$79
Contract length
Month-to-month
Settlement time
1 business day
Est. monthly cost
$438/mo

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