Chase Pay vs. Chase QuickPay – Everything You Need to Know

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Chase Pay and Chase QuickPay sound pretty similar, don’t they? But these are totally separate services offered by Chase that have nothing to do with each other (except similar names).

Chase Pay is a mobile payment option that you can use to make quick and secure payments at select merchants. Chase QuickPay is a way to send and receive money between friends.

What Is Chase Pay?

Chase Pay is a way to quickly complete payments with participating merchants, similar to Apple Pay. Chase Pay works with all personal Chase Visa cards and Chase Liquid® cards — business cards and MasterCards are not eligible.

How to Enroll In Chase Pay

  1. Sign in to your Chase.com account and click the navigation menu at the top left-hand corner of the screen.

    Chase Navigation
    Image courtesy of Chase.com.
  2. Click on Pay & Transfer, then select Chase Pay and click on the blue Enroll button.

    Chase Pay menu
    Image courtesy of Chase.com.
  3. Next, choose the credit or debit card you want to use for your Chase Pay payments. Use the drop down to show all of your available accounts. Then click Continue.

    Enroll in Chase Pay 2
    Image courtesy of Chase.com

That’s it!

You are now enrolled in Chase Pay. If you ever want to change your settings, go to Pay & Transfer > Chase Pay, then click the blue Change Settings box at the bottom right side of your screen.

How to Use Chase Pay

Chase Pay can be used online or on your mobile device. For a list of retailers that accept Chase pay, click here.

Using Chase Pay on Mobile

First, you will need to download the Chase Pay app. Once it’s downloaded, you can log in using your Chase.com credentials.

Honestly, I found the app to be a bit clunky and not quite as intuitive as I had hoped. But the good news is that I spent the time figuring it out so you don’t have to! Here is what you need to know to use Chase Pay.

Hot Tip: Turn on the location settings in your Chase Pay app — this makes it easy to see which merchants around you accept Chase Pay as well as view any offers you may have.

  1. When you are at a merchant that accepts Chase Pay, just open the app and click on the blue Pay button at the bottom of your device. This brings up a QR code for the cashier to scan. Under the code, you’ll be able to see which card you are paying with.

    Chase Pay on Mobile
    Image courtesy of the Chase Pay app.
  2. To see nearby merchants and possible offers that can save you money, click on More on the bottom right side of your phone, then select Merchants. This will bring up a list of locations near you that accept Chase Pay and show you any offers you might have.

    Chase Pay Merchant Offers
    Image courtesy of the Chase Pay app.

Hot Tip: Log in to the Chase Pay app using your Chase.com credentials.

How to Use Chase Pay Online

  1. When shopping online, keep an eye out for the Chase Pay logo as a payment option. Click the logo to select Chase Pay.

    Chase Pay Online
    Image courtesy of ebags.com.
  2. You will be prompted to log in to your Chase.com account. Then you will get to the page where you can select the card you want to use, or whether you want to pay with points (more on this below!)

    Chase Pay online
    Image courtesy of ebags.com.
  3. Click Next to continue to shipping information and delivery options. You will be able to review your order before you complete the transaction.

Pay With Points

As a general rule, using your precious Chase Ultimate Rewards points to pay for merchandise is a terrible idea! However, there might occasionally be a circumstance where you need or want to use points to pay for something — and you can use Chase Pay to purchase items with your Ultimate Rewards points. Keep in mind you will only get .8 cents per point in value by using your points through Chase Pay, which isn’t a good deal.

Hot Tip: Using your Ultimate Rewards points to pay through Chase Pay reduces the value you will get from your points. Through Chase Pay, you are only getting .8 cent per point, but booking travel through the  Chase Ultimate Rewards travel portal will get you at least 1 cent per point. (Points earned through the Chase Sapphire Preferred® card are worth 1.25 cents each, and points earned through the Chase Sapphire Reserve® are worth 1.5 cents each through the travel portal!) You can also get 2, 3 or (a lot) more cents per point by transferring your points to one of Chase’s travel partners.

How to Use Chase Pay to Make a Purchase With Ultimate Rewards Points

  • Once you open the app and click on the blue Pay button, then you will see a credit card image at the bottom of your screen. You can scroll through the cards to select the one you want to use.
  • Click on the card image to see how many points you have earned with that particular card.
  • Then you can toggle the Use points button to pay with points. But remember you are only getting .8 cents per point value doing this, and you can get so much more by transferring your points or redeeming them through the Chase travel portal.

    Chase Pay on Mobile
    Image courtesy of the Chase Pay app.

Bottom Line: Using points to pay for your purchases through Chase Pay isn’t a great idea — you will only get .8 cents per point of value.

How to Order Food Using Chase Pay

  1. After logging on to the app, click on the See nearby merchants in the Order Ahead section in the middle of the screen.
  2. Scroll through the restaurant choices or search using the search bar at the top of the screen.
  3. Select a restaurant to see the menu and complete your order. Click on Offers to see if there are any special offers available.
Chase Pay app ordering food
Image courtesy of the Chase Pay app.

How to Earn Ultimate Rewards Points With Chase Pay

Any purchase made through Chase Pay will earn Ultimate Rewards points just like taking your plastic (or metal) out of your wallet to hand to the cashier. But sometimes, there is an opportunity to earn even more points.

One of the Chase Freedom® 5x points bonus categories for Q1 and Q2 of 2018 was Chase Pay. While it isn’t currently a bonus category, I have reason to believe that it will return (most bonus categories have been repeated in the past).

Chase has also run promotions in the past offering bonus points at select retailers when you pay using Chase Pay. Be sure to pay attention to the offers when they come around; sometimes they’re only valid when you use certain Chase cards through Chase Pay. Past promotions have included 10x points Best Buy and Walmart.

Chase Pay Promotions

There are lots of reports that Chase Pay has a promotion through December 31, 2018, offering $10 off your first Order ahead food order. However, I didn’t see anything about this once I downloaded the app. After doing some digging, it appears that this promotion is only available for select restaurants — none of which are in my area. Hopefully you will have better luck than I did with this $10 promotion!

Keep an eye out for the yellow Offer check mark near select merchants, as that means they are offering something special. Past promotions include 300 Starbucks stars for using Chase Pay on a single transaction, or $8 off at Five Guys.

What Is Chase QuickPay?

Chase QuickPay with Zelle℠ is a person-to-person payment service that allows you to easily send money to friends and family. Think of it as Venmo but without the social aspect (sorry, there are no emoji options with Chase QuickPay!).

Chase QuickPay and Chase QuickPay with Zelle℠ are the same thing — Zelle is simply the name of the company that partners with Chase to offer this service.

Hot Tip: Don’t get confused — Chase QuickPay and Chase QuickPay with Zelle℠ are the same thing!

Who Can Use Chase QuickPay?

One of the neat things about Chase QuickPay is that you can send and receive money from someone who is not a Chase customer! So, while you might think this service is limited to Chase customers only, it’s actually not.

There are many banks that use Zelle including Wells Fargo, U.S. Bank, Citi, and Bank of America. For a full list of participating banks, click here. If your bank doesn’t participate with Zelle, you can still use their services — just download the Zelle app to start sending and receiving money.

How to Enroll in Chase QuickPay

You can enroll on Chase.com or the Chase Mobile app. Both methods only take a minute or 2 to complete.

Enroll on the App

  1. Sign in to the Chase Mobile app on your mobile device using your Chase.com credentials.
  2. Click on the menu button at the top left-hand side of your screen. Then select QuickPay with Zelle.
  3. Click Get Started, then enter your email address and check the box agreeing to the terms. That’s it — you are now registered with Chase QuickPay!

    How To Enroll in Chase QuickPay on mobile
    Image courtesy of chase.com.

Enroll Online

  1. Sign in to your Chase.com account and click the navigation menu at the top left-hand corner of the screen.

    Chase Navigation
    Image courtesy of Chase.com.
  2. Click on Pay & Transfer, then select Chase QuickPay with Zelle.

    Sign Up For Chase QuickPay
    Image courtesy of Chase.com.
  3. Click on the blue Sign Up box to continue.

    Sign up for Chase QuickPay
    Image courtesy of Chase.com.
  4. Read the service agreement and privacy notice, then check the box and click Next to continue.

    Sign up for Chase QuickPay
    Image courtesy of Chase.com.
  5. Provide your mobile number or email address. If you received notice of a payment, be sure to register with the phone number or email that was associated with that notice. Click the blue Next box to continue.

    How To Sign Up For Chase QuickPay
    Image courtesy of Chase.com.
  6. You will receive a verification code through the email or phone number you provided. Type in the code and click the blue Activate button to complete your registration.

    How to sign up for Chase QuickPay
    Image courtesy of Chase.com.

How to Use Chase QuickPay

You can use Chase QuickPay online or through the Chase Mobile app. Chase QuickPay is already integrated with the Chase Mobile app, so you won’t need to download a separate app to use the service.

Using Chase QuickPay Online

Sign in to your Chase.com account and click the navigation menu at the top left-hand corner of the screen.

Click on Pay & Transfer, then select Chase QuickPay with Zelle.

Chase QuickPay
Image courtesy of Chase.com.

 

Now you are on the Chase QuickPay main menu. From here you can send money, request money, and manage your account. You can toggle back and forth between the different tabs on the top menu bar.

1. Send Money

To send money, all you need is the phone number or email address of your recipient. Remember, you can send money to any Chase customer, anyone who has a bank that participates with Zelle, or anyone who downloads the Zelle app!

The system will default to an email address, but click on Use a mobile number in blue right under the email input box if you want to use a phone number.

You can also set up a recurring payment using the toggle button at the bottom left-hand corner of the box.

Chase QuickPay Sending Money
Image courtesy of Chase.com.

The time it takes for your recipient to receive their money depends on the type of account you each have.

  • If you are sending money to another Chase customer or someone who has a bank that participates with Zelle and supports real-time payments, the transfer will usually be complete within minutes.
  • If you are sending money to someone who has a bank that participates with Zelle but does not support real-time payments, the transfer will take 1-2 business days.
  • If you are sending money to someone using the Zelle app, they will receive their money “soon after it’s sent.” (This is as exact as Chase gets for this timeframe right now).

2. Request Money

This is the tab you can use to request a payment from someone else. All you need is their name plus their email or phone number. You will also need to fill in the amount requested. There is an option to let the recipient decide how much money to send — although I have no idea what the use case for this would be!

Chase QuickPay Requesting Money
Image courtesy of Chase.com.

3. QuickPay Activity

This is where you can view all of your QuickPay transactions including money sent, money received, money requested, recurring payments, and your to-do list.  You can toggle between all of these options in the menu at the left.

If you are a frequent QuickPay user, you might want to sort your list to search for a specific transaction. To do this, use the filtering options under the main menu.

Chase QuickPay Activity
Image courtesy of Chase.com.

4. QuickPay Recipients

The recipients tab is basically your QuickPay address book. This will keep track of everyone you send money to. You can add/edit/delete a recipient, and create and edit groups through the menu at the left side of the screen.

Chase QuickPay Recipients
Image courtesy of Chase.com.

5. QuickPay Settings

This tab allows you to manage your contact information associated with your Chase QuickPay account.

First, choose the Chase account you want to associate with your QuickPay account at the bottom of the screen. Then you can add a phone number and up to 5 email addresses by selecting Add at the top right-hand side of the screen.

Chase QuickPay Settings
Image courtesy of Chase.com.

Using Chase QuickPay on Mobile

Sign in to the Chase Mobile app on your mobile device. Click on the menu button at the top left-hand side of your screen. Then select QuickPay with Zelle. From here you will be able to send money, request money, and manage your account.

Chase QuickPay Mobile Menu
Image courtesy of the Chase mobile app.

1. Send Money

Click on Send Money to initiate a transfer; from there you will be able to add a recipient. If you haven’t previously added anyone, select Add recipient and enter a name plus email address or phone number.

To select an amount to send and set up a repeating payment if needed, just click on the recipient’s name. You can also schedule your payment for a future date. Click the blue Send money button to complete the transaction.

Sending Money With Chase QuickPay on mobile
Image courtesy of the Chase Mobile app.

2. Request and Split Money

To request a payment from someone, click Request and Split Money, then select a contact from the list or add a new one. Enter the amount and select a due date for the payment. Click next, and you’ll be able to confirm your request before you send it.

Chase QuickPay Request Money on mobile
Image courtesy of the Chase Mobile app.

4. Manage Recipients

Click Manage Recipients to see a list of your Chase QuickPay contacts. You can add a new contact by clicking Add recipient at the top of your screen.

To edit an existing contact, click on the contact’s name, then click Edit in the upper right-hand corner of your screen to add or change contact info.

Chase QuickPay Manage Recipients
Image courtesy of the Chase Mobile app.

Chase QuickPay Limits

While there is no limit to the amount of money you can receive, there is a limit to the amount you can send. Your limit will be based on the type of Chase account you have.

  • From a personal Chase checking account or a Chase Liquid card, you can send up to $2,000 in a single transaction. Your daily limit is $2,000 and your monthly limit is $16,000.
  • From a business Chase checking account, you can send up to $5,000 in a single transaction. Your daily limit is $5,000 and your monthly limit is $40,000.
  • From a Chase Private Client or Private Banking account, you can send up to $5,000 in a single transaction. Your daily limit is $5,000 and your monthly limit is $40,000.

Note that these transfer limits are for your combined accounts. So for example, you can’t send $2,000 to someone from your personal account and another $5,000 to someone from your business account on the same day.

Chase QuickPay Promotions

While there is currently no promotion to sign up for Chase QuickPay with Zelle, there have been in the past.

We have seen promotions offering 500-1,000 bonus Chase Ultimate Rewards points, but these usually require a minimum number of transactions. While that’s not a mind-blowing promotion, it’s always nice to get bonus points for something you were going to do anyway. However, if you need to start using the service now, it’s probably not worth waiting for another promotion.

Chase QuickPay promotions
Image courtesy of Doctorofcredit.com

Final Thoughts

While Chase Pay and Chase QuickPay sound similar, they are totally different services.

Chase Pay is a mobile payment option that you can use at select merchants, while Chase QuickPay is similar to Venmo and allows you to send and receive money from friends.

Both services occasionally offer promotions or discounts, so keep an eye out for opportunities to earn extra Ultimate Rewards points or save some money.


Featured image courtesy of Shutterstock.com

FAQ

What is the difference between Chase Pay and Chase QuickPay?

Chase Pay is a mobile payment option that you can use at select merchants. Chase QuickPay allows you to send and receive money from friends.

Do I need to download a separate app to use Chase QuickPay?

No, you can use Chase QuickPay through the main Chase mobile app.

Is there a fee to use Chase Pay or Chase QuickPay?

No, both of these are free services offered by Chase.

What is Chase QuickPay with Zelle?

Chase QuickPay with Zelle is the same thing as Chase QuickPay. Zelle is simply the company that runs the program Chase uses for this service. Zelle is used by many other major banks, and it’s a standalone app as well.

Is Chase Pay safe?

Yes, Chase Pay is safe and secure to use. Anytime you use Chase Pay, you have the same protections as when you use your physical credit card.

Where is Chase Pay accepted?

Chase Pay is accepted at thousands of merchants including Best Buy, Shell, Wal-Mart, eBags.com, and Shop Rite. For a list of some of the most popular locations, click here.

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