Chase Pay | How to Set-up & Use Chase’s Mobile Payment Platform
Articles Blog

Chase Pay | How to Set-up & Use Chase’s Mobile Payment Platform


Hi there, it’s Ernest from Trip Astute. In
this video, we’re exploring Chase Pay — a new service from Chase Bank that lets
you pay online and in stores without your credit card in hand. (light chiming music) In a previous
video, we reviewed the second quarter rotating bonus categories for the Chase
Freedom and discussed how Chase Pay is one of the 5% bonus categories. It seems
like Chase is really trying to promote their service, especially given the
growth of mobile payment platforms like Apple Pay, Android Pay, and Samsung
Pay. So I think a lot of folks, including myself, have wondered, “how does it work? Is
it like Apple Pay or Android Pay?” Not quite, to be honest. When using the app,
it’s more like a cross between Apple Pay and paying with your Starbucks app, where
you have to use a QR code that’s scanned by the cashier. This means that the
number of places that can accept the payment is limited but will likely grow
over time. To activate Chase Pay, you can either download the Chase Pay app from
the Apple or Google App Store and login with your Chase account username and
password, or just go online and click on the Chase Pay link in the right hand
column of your account. You’ll need to determine which card will be your
default card. You can then use Chase Pay in two ways. If you look at the list of
larger merchants that accept Chase Pay, you’ll see that they either accept it
online or via the Chase Pay app. If they accept the Chase Pay app, it means that
you can pay in the store using the QR code that’s generated by the app. For
example, eBags is listed as a store that accepts Chase Pay online,
whereas Best Buy is listed showing that they accept the Chase Pay app. If we try
to purchase an item from eBags.com, then you’ll see that we’re given the option
to use Chase Pay as the method of payment. When we click on the link, we’re
then asked to log into our Chase account to authorize the payment. To show how
the app works, we made a small purchase at Starbucks. You basically launch the
Chase Pay app and select what card you want to use, and then the screen displays
a QR code. Once the QR code is read, your transaction is approved. It’s pretty easy and seamless. So before you jump in and start
using Chase Pay, here are a couple things to keep in mind. Number 1: Chase Pay
doesn’t work with business accounts and profiles. This really annoys me. I
basically had to rely on Fiona’s phone to show you how it all works because I
couldn’t get my Chase Pay app to activate. What I found out was that since I have
my business and personal profiles merged online, I’m unable to use Chase Pay. When
they combined my account, they basically moved all my personal
accounts into my business one, which means that the account registers as a
business profile. Chase customer support did offer to separate my accounts again,
but I decided against it because I like having that combined view. I don’t know
why Chase isn’t allowing their business accounts to use Chase Pay. Business account
users still can’t use Apple Pay either on their Business Ink cards, so it
doesn’t really make any sense. But I’m hoping they change it soon. Number 2:
Cashiers often mistake Chase Pay with Apple Pay or Android Pay. Don’t be
surprised if you have to tell cashiers how to process your Chase Pay payments.
When we tried to use it, the cashier instructed us to hold the
phone next to the reader, like you would for Apple or Android Pay. We had to
insist that they scan the QR code. Once they did it worked, so just know that the
technology is still a bit new so you might have to explain how Chase Pay is
different than other payment platforms when making a purchase in store. Number
3: Check offers in the app. The Chase Pay app will show offers that you can
take advantage of, as well as local merchants that accept Chase Pay. Fiona noticed that she had a $10 welcome offer loaded on her app for
using Chase Pay for the first time. Number 4: Redeeming points for gift
cards. While I don’t recommend doing this since you can often get more value using
your points for travel, you do have the option of redeeming points toward gift
cards which can be then directly loaded into the app as an e-gift card. It looks
really convenient, but again, if you’re trying to get the most value for your
points, I suggest redeeming them for travel. Number 5: If you have a Chase
Freedom Card, make sure you activate the bonus category. Chase has been offering a
5% bonus for Chase Pay this past quarter and continue to offer the
bonus from April to June 2018. If you have a Chase
Freedom Card, make sure you also activate the bonus category. If you need more
information, check out our video on the quarter two rotating bonus categories.
Have you used Chase Pay? If so, did you use it online or on the app? Please share
your experience below in the comment section. If you’re interested in applying
for Chase cards or any other credit cards, please check out our credit cards
offers page. We’ve partnered with credit cards.com to link you to the latest credit
card offers. Trip Astute does get a commission if you use our link. It
doesn’t cost you anything extra, but it’s an easy way to support the channel and
help us to continue building content like this video. If you enjoyed this
video or found it useful, please hit the “like” button and consider subscribing.
Also, sign up for our newsletter on our website for travel articles, updates, and
giveaways. Until next time, travel safe and travel smart.

31 thoughts on “Chase Pay | How to Set-up & Use Chase’s Mobile Payment Platform

  1. If only more merchants offer Chase Pay, been holding off installing it. What is sad is that it's a top global bank, all money goes through them and it looks like they're trying to catch up to little players like PayPal, a phone maker like Apple and a noobie payment gateway with Google, laughable!

  2. I phoned up Chase- they said e-wallet (Samsung pay, apply pay etc) still counts towards 5x for the Chase pay reward category- just a heads up!! 🙂 [Make sure you at least are signed up with Chase Pay!]

  3. Awesome Tips Ernest, thank you for clarifying how to use this app. I definitely will give it a try your awesome !

    Jose P.

  4. Ernest, great info as always. I installed Chase Pay during Q1 and used it at Shell stations to help reach $1500 for Freedom card. Full agree, I think this will be part of quarterly bonus for a while, as a way to plug their own mobile pay. That will help, sure. The better way for them to reach that goal is to get it accepted at more merchants. You are also right that most clerks have no idea what it is, and say ‘oh, Apple Pay’…..meaning they don’t offer Chase Pay and don’t know what it is. Try it out at Shell, that part of the app is REAL slick! It even links to their Fuel Rewards system, so you can earn $ off gallons too.

  5. Unfortunately, I'm not even going to bother with Chase Pay.  The second half of the video really sums up the issues with Chase Pay.  Chase really needs to increase awareness among merchants because many have Chase Pay but don't even know it.  I'm going to stick to PayPal to max out this quarter, it will be easy because I have a few sizable purchases to make with merchants that allow PayPal check out.  Easy Peasy!  Groceries will go on Amex BCP.  Poor Discover It, I have no reason to use it this quarter at all.

  6. Thanks for the video, I was frustrated with the lack of information out there on Chase Pay. This broke it down in an easy to understand way!

  7. Did you set this up under your business+personal account username? My login has my business and personal cards on them and it wont let through the identification code screen.

  8. Searching for merchants who accept Chas Pay(or know they have it) is a pain. I really haven’t found many Shell Stations that accept it at the pump or inside. Luckily my local grocery store has a huge wall of gift cards, that includes various gas stations. Otherwise I would solely look for PayPal merchants online.

  9. Use Chase Pay for all my Walmart purchases for the 5% back. Also, I got a Veal Cutlet Parm Hero for .89 cents. Also, there is an 8 dollar credit for Five Guys as well as 5% Back using Chase Freedom.

  10. This video is awesome. You were really clear about everything that was confusing to me. Thanks, keep up the content!

  11. Hey Brother, I love your content. I have a quick question, how can you be an affiliate for credit card companies? Usually, they have a limit of $500 per card annually and no more than that. My question is how can you make more than the $500? do I need to file a w-2 with them ? I have lots of people wanting to open accounts with me but it sucks that the limit is $500

  12. Tip – I'm also locked out of using Chase Pay because I have a business profile with my personal and business cards all listed. However, before I had a business card I had just personal cards under a personal profile. In order to see all the cards together, I had to generate the business profile (new username), but the original personal profile still exists. I knew the user name but not the password, so I reset it and bam, just my personal cards. I was then able to sign up for Chase Pay under that username instead of the one associated with my business profile. I did have some small hiccups along the way where things behaved weirdly, but it all eventually worked just fine.

    I don't know if you can do the reverse (generate a personal only profile when you already have a business profile), but it's worth a try.

  13. Thanks for explaining it better than Chase seems able to explain. I tried it for the first time today at a local Cinemark theater. At the ticket window, I told the attendant I wanted to pay with Chase Pay and at the same time started the app on my phone, clicked "Pay," and generated the QR code. I held out my iPhone with the QR code brightly showing next to Cinemark's card reader and could find no scan laser to read the code. Somehow, my Apple Pay app activated instead to make the payment. I didn't realize it at the time and mistakenly thought Chase Pay completed the transaction and charged my Chase Freedom card, which I had previously set as the default card account and activated this quarter's 5% cash back bonus. The attendant behind the big Cinemark window seemed unaware of Chase Pay and how it works. She didn't offer to scan my QR code. I see now after viewing your video that a merchant's scan was what I needed and I didn't see that option at this local Cinemark. The Chase "Where to Pay" page says Cinemark purchases are possible both online and with the app.

  14. I have a question, when the option to pay comes out… If you want to pay with Chase pay w/o using your points do you turn off the option to pay with points?!! Or you leave it on?!! Hope you can answer my question…..

  15. By the time you go to the chase pay app and sign in I can already have my debit card out. It's quicker to just use the debit card

  16. We still get our regular pts dorecetly thru chase right? Or is it the same pt for both platforms? And the chase pay just gives you additional offers? I’m a little confused

  17. As a data point, I too have my personal accounts merged with my business account through Chase for the convenience of the combined view. After a decent amount of time on the phone with Chase business IT people, they were able to get Chase Pay to work when I use my business account login.

  18. I started off with a similar problem as his: I couldn't use Chase pay, because it was linked to my business profile. What they did for me is make a separate username/passcode for my personal account, I logged in with it, and afterwards they merged my personal account under my business account profile.
    I still have my personal profile. So if I log in with my business username, I can access my business and personal account, and when I want to log in to my personal account alone (or to use Chase pay) I use my separate username.
    It's easy for me, because I just use my fingerprint to log in.

Leave a Reply

Your email address will not be published. Required fields are marked *

Back To Top