Edited by: Keri Stooksbury
& Kellie Jez
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Update: Chase Pay has been discontinued and Chase QuickPay is now known as Zelle.
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.
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.
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.
Chase Pay can be used online or on your mobile device. For a list of retailers that accept Chase pay, click here.
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.
Hot Tip: Log in to the Chase Pay app using your Chase.com credentials.
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.
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.
Hot Tip: You can access Chase Offers through the Chase Pay mobile app. Chase Offers are similar to Amex Offers and offer additional discounts for using your Chase credit cards. See our comprehensive guide to Chase Offers for more information.
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.
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!
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.
You can enroll on Chase.com or the Chase Mobile app. Both methods only take a minute or 2 to complete.
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.
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.
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.
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.
The time it takes for your recipient to receive their money depends on the type of account you each have.
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!
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
The information regarding the Chase Private Client was independently collected by Upgraded Points and was not provided nor reviewed by the issuer.
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.
No, you can use Chase QuickPay through the main Chase mobile app.
No, both of these are free services offered by Chase.
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.
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.
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UP's Bonus Valuation
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.