Chase Online Payment basics
You can pay a Chase credit card, auto loan, mortgage, or personal loan through Chase's website or mobile app without calling or mailing a check. The payment goes directly from your bank account to Chase, and you control the date it processes. Most payments arrive within one business day, though you can schedule them in advance if you want to pay on a specific date each month.
Chase does not charge a fee for online payments made from a bank account you own. If you pay with a debit card or credit card instead, Chase charges a fee — usually around $15 — so bank account payments are the standard route.
Key Takeaways
- Online payments from your bank account are free and typically process within one business day.
- You can schedule a payment for a future date or make an immediate payment through Chase's website or app.
- Paying with a debit or credit card triggers a fee, so use your bank account instead.
- If you set up automatic payments, Chase will deduct the amount you choose on the date you select each month.
- You need your Chase account number and your bank's routing number to link your account for the first payment.
Making a one-time payment online
Log into your Chase account at chase.com or open the Chase mobile app. Find the account you want to pay — credit card, auto loan, or mortgage — and look for a "Pay" or "Make a Payment" button. Chase will show you the current balance, the minimum payment due, and the due date.
Enter the amount you want to pay and select the date you want it to process. If you choose today, the payment usually posts within one business day. If you pick a future date, Chase holds the payment and sends it on that date. You will see a confirmation number immediately; save or screenshot it in case you need to reference the payment later.
The first time you pay from a new bank account, you will need to provide your bank's routing number and your account number. Chase verifies the account by depositing two small amounts (usually under $1 each) into it, then asks you to confirm those amounts. This takes one to two business days. After that, the account is linked and you can pay instantly.
Setting up automatic monthly payments
Automatic payments remove the step of logging in each month. In your Chase account, find the "Autopay" or "Automatic Payments" section and choose the account you want to pay. Select the amount — you can pay the full statement balance, the minimum payment, or a fixed dollar amount — and the date each month you want it to process.
Chase will deduct that amount on the date you choose, every month, until you cancel. This is useful for staying on schedule and avoiding late fees, but make sure your bank account has enough money on that date. If the payment fails because of insufficient funds, Chase may charge a returned-payment fee and report the late payment to credit bureaus.
You can change or cancel automatic payments anytime through your Chase account. If you need to stop a payment before it processes, do it at least one business day before the scheduled date.
Paying by phone or mail if you cannot use online
If you do not have internet access or prefer not to pay online, you can call Chase's customer service number on the back of your card to make a payment by phone. A representative will take your payment information and process it over the phone. This is free, but it takes longer than online payment because you are waiting for a person.
You can also mail a check to the address on your statement. Write your account number on the check and mail it to the payment address listed in your billing materials. Mail payments take seven to ten business days to arrive and post, so send them well before your due date to avoid late fees.
What happens if you miss a payment deadline
If your payment does not arrive by the due date, Chase charges a late fee (usually $25 to $40 for a first offense) and may report the late payment to credit bureaus, which can lower your credit score. The interest rate on your account may also increase if your card has a penalty rate clause.
If you realize a payment will be late, contact Chase immediately. Sometimes they will waive a single late fee if you have a good payment history, though they are not required to. Making the payment as soon as possible stops additional fees from accumulating.
If you are struggling to make payments, Chase offers hardship programs that may lower your interest rate or allow you to pause payments temporarily. Call the number on your statement to ask about options.
Troubleshooting common payment problems
If your payment shows as "pending" for more than two business days, log back into your account and check the status. Pending payments usually post within one business day, but delays can happen if Chase's system is processing a high volume or if there is a bank holiday.
If a payment fails, Chase will send you a notice explaining why — usually because the bank account you linked does not have enough money, the account number was entered incorrectly, or the account has been closed. Fix the problem and try again, or link a different bank account.
If you paid online but your statement still shows the payment as unpaid, wait one full business day after the payment date. Payments sometimes take a day to appear on your statement even though they have posted to your account. If it still does not show after two business days, contact Chase customer service with your confirmation number.
Frequently Asked Questions
Can I pay my Chase credit card with another credit card?
Chase allows you to pay with a debit card or another credit card, but charges a fee of around $15 per transaction. Paying from your bank account is free, so that is the better option if you have one.
What time of day does my automatic payment process?
Chase does not may provide a specific time. Automatic payments process on the date you choose, but the exact time varies. The payment should appear in your account within one business day of that date.
Can I cancel a payment after I have scheduled it?
Yes, as long as you cancel before the payment processes. Log into your account and find the pending payment, then select "Cancel." You must do this at least one business day before the scheduled date. If the payment has already processed, you cannot cancel it, but you can contact Chase to discuss a refund.
Do I need to pay the full balance or can I pay part of it?
You can pay any amount from the minimum payment up to your full balance. Paying more than the minimum reduces your interest charges and helps you pay off the debt faster, but you will not be penalized for paying only the minimum as long as you pay by the due date.
What if I want to pay before my due date?
You can pay anytime, even weeks before your due date. Early payments reduce the interest that accrues on your balance and can help you manage your cash flow. There is no penalty for paying early.