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Chase Payment Solutions

Bank-built card processing: 2.6% + 10¢ in person, 3.5% + 10¢ typed in, no monthly fee on QuickAccept and same-day deposits to a Chase business account

Rates verified October 14, 2026
Credit Card Processing
See pricing

The Bottom Line

In-person card rate
2.6% + 10¢ (verified Oct 14, 2026). All rates and fees

Key facts

  • 2.6% + 10¢ for a tapped, dipped or swiped card, 3.5% + 10¢ typed in or invoiced, 2.9% + 25¢ for an online store.
  • QuickAccept has no monthly fee but needs a Chase Business Complete Banking account ($15 a month unless waived).
  • Same-day deposits at no extra cost to a Chase business account, and no cancellation fee on the standard month-to-month agreement.

Pros

  • One short price list, and the basic pricing is the same for every major card brand
  • Same-day deposits to a Chase business checking account at no extra cost
  • No hardware needed with Tap to Pay on phone; the Card Reader is $99
  • Chase says it charges no PCI-related fees and no cancellation fee on its standard agreement

Cons

  • QuickAccept only works with a Chase Business Complete Banking account, which costs $15 a month unless waived
  • Standalone terminals and the e-commerce gateway carry a monthly fee from $9.95, and you sign up through an advisor
  • The chargeback fee is not published
  • Typed-in, invoice and payment-link sales cost 3.5% + 10¢

At a glance

Rates verified October 14, 2026
Pricing model
Flat rate
In-person card rate
2.6% + 10¢ (QuickAccept and Chase's standalone terminals: tap, dip or swipe, including Tap to Pay on phone)
Online card rate
2.9% + 25¢ (e-commerce through Chase's Authorize.net gateway; monthly fee from $9.95)
Keyed-in rate
3.5% + 10¢ (typed in, payment links, invoices and the virtual terminal)
Monthly fee
QuickAccept $0, Standalone terminal or e-commerce gateway $9.95 a month
Free plan
Yes
PCI fee
$0 a month. No PCI fee. Chase says it does not charge additional PCI-related fees.
Payout speed
As soon as the same day at no extra cost with QuickAccept when funds go to a Chase business checking account; next day for the standalone terminals and the e-commerce gateway. Chase says timing otherwise depends on the solution and on whether you deposit into a Chase business checking account.
Contract
Businesses that enroll under Chase's standard month-to-month agreement do not face cancellation fees.
Early termination
None on Chase's standard month-to-month agreement: Chase says those businesses do not face cancellation fees. Chase does not publish the terms of custom pricing agreements.
Holds and reserves
Chase's support pages say the disputed amount is temporarily taken out of your account while a chargeback is reviewed, with up to 90 days to resolve a case. Chase does not publish a reserve or payout-hold policy on the pages we read, and QuickAccept use is subject to its Terms of Service, which you review when you activate it.
Card reader
$99 (Chase Card Reader)
Terminal
$499 (Chase POS Terminal)
Best for
In-person sellers, Mobile and pop-up sellers, Online sellers
Other fees to know
Chase Business Complete Banking (needed for QuickAccept): $15 a month, waived with $2,000 in eligible QuickAccept deposits or other options; Standalone terminal or e-commerce gateway: monthly fee from $9.95; Invoices: 3.5% + 10¢ by card; no processing fee for Zelle or check; Chargeback: a chargeback fee applies, amount not published; the disputed amount is taken out of your account while the case is reviewed; Monthly billing option (standalone merchant accounts): 0.03%; daily billing is free; Account minimum fee (standalone merchant accounts): charged if you miss the minimum agreed with Chase; amount not published; Custom pricing: interchange rate options may be available based on processing volume; Chase POS Terminal limited-time offer: $399 with code POS100
Countries
United States (Chase's US merchant services pages)

Sources: chase.com/business/payments/merchant-fees, chase.com/business/payments/quickaccept, read October 14, 2026

Is it worth it?

About $277 in person a month in fees on $10,000 of card sales

A business taking $10,000 a month in card payments, in about 167 sales of $60, would pay about $277 if every sale is in person (QuickAccept plan at 2.6% + 10¢, with no monthly fee of its own (Chase business account needed)). Hardware, PCI fees, chargebacks and other fees are not included, and rates change, so the date above matters.

Read this before you sign up

  • QuickAccept is exclusively available through Chase Business Complete Banking, which has a $15 monthly service fee unless you meet a waiver rule, for example $2,000 in eligible QuickAccept deposits in a statement period.
  • Standalone terminals and the e-commerce gateway show a monthly fee from $9.95, and Chase says monthly fees may apply to certain products and pricing plans. You sign up for them through a Payments Advisor.
  • Chase says a chargeback fee applies but does not publish the amount, and the disputed amount is taken out of your account while the case is reviewed.
  • Chase's no-cancellation-fee statement covers its standard month-to-month agreement; it does not publish the terms of custom pricing agreements.
  • Standalone merchant accounts can carry an account minimum fee and an optional 0.03% monthly billing fee (daily billing is free); the amounts depend on your agreement.

Where these numbers come from

Checked October 14, 2026

Every rate and price on this page was read from the vendor's own pages on the dates below. Vendors change prices without notice, so check the current figure on their site before you decide.

  • In-person 2.6% + 10¢, keyed-in and payment links 3.5% + 10¢, e-commerce 2.9% + 25¢, hardware not included, same cost for all cards, fast funding, custom pricing Vendor page (2026-10-14)
  • QuickAccept: no hidden or monthly fees, rates, hardware prices, exclusive to Chase Business Complete Banking, same-day deposits Vendor page (2026-10-14)
  • Chase Card Reader $99, Base $49, bundle $129, rates Vendor page (2026-10-14)
  • Chase POS Terminal $499 and the $100 limited-time offer, rates Vendor page (2026-10-14)
  • Chase Wireless Terminal $499, Countertop Terminal $399, monthly fee from $9.95, next-day funding Vendor page (2026-10-14)
  • E-commerce gateway: 2.9% + 25¢, 3.5% + 10¢ keyed or invoiced, monthly fee from $9.95, next-day deposits Vendor page (2026-10-14)
  • Invoices: 3.5% + 10¢ by card, no additional monthly cost, no processing fee for Zelle or check Vendor page (2026-10-14)
  • Tap to Pay on phone rate and no hidden or monthly fees Vendor page (2026-10-14)
  • Month-to-month agreement with no cancellation fees, no additional PCI-related fees, a chargeback fee exists, no withdrawal fee with a Chase account Vendor page (2026-10-14)
  • Business Complete Banking: $15 Monthly Service Fee and the ways to waive it Vendor page (2026-10-14)
  • Disputes: chargeback fee may apply, disputed amount temporarily taken out of your account Vendor page (2026-10-14)
  • QuickAccept activation: review the Terms of Service and answer questions about your business Vendor page (2026-10-14)
  • Standalone merchant account statements: 0.03% monthly billing fee, account minimum fee Vendor page (2026-10-14)

What is Chase Payment Solutions?

Sources read on the date shown
Chase Payment Solutions is the card processing arm of JPMorgan Chase, and the simplest way in is QuickAccept, which is built into a Chase Business Complete Banking account. Chase publishes one short price list: 2.6% + 10¢ for a card tapped, dipped or swiped (including Tap to Pay on phone), 3.5% + 10¢ when you type the card number in or send an invoice or payment link, and 2.9% + 25¢ for an online store through its e-commerce gateway. QuickAccept itself has no monthly fee, and deposits can reach your Chase business checking account as soon as the same day at no extra cost. Hardware is optional. Tap to Pay on phone needs none, the Chase Card Reader is $99 ($129 with its base) and the Chase POS Terminal is $499. Businesses that want a standalone terminal or the e-commerce gateway sign up through a Payments Advisor and see a monthly fee from $9.95. Chase says businesses on its standard month-to-month agreement face no cancellation fee, and that it does not charge additional PCI-related fees. One thing to know: QuickAccept only works with a Chase Business Complete Banking account, which has a $15 monthly service fee unless you meet a waiver rule, such as $2,000 in eligible QuickAccept deposits in a statement period. Chase also says a chargeback fee applies but does not publish the amount, so ask for it before you sign.
Sourcechase.com ↗

Key details

QuickAccept built into a Chase Business Complete Banking account, with no monthly feeTap to Pay on phone, with no extra hardwareChase Card Reader at $99 or Chase POS Terminal at $499Invoices by text or email, paid by card, Zelle or checkPayment links and a virtual terminal for keyed paymentsSame-day deposits to a Chase business checking account at no extra costE-commerce gateway (Authorize.net with Chase processing) from a $9.95 monthly feeStandalone terminals and custom pricing through a Payments Advisor

Explore more

Best Credit Card Processing

Chase Payment Solutions FAQ

How much does Chase charge per card sale?

On Chase's merchant fees page, a card tapped, dipped or swiped costs 2.6% + 10¢, including Tap to Pay on phone. A card typed in, an invoice or a payment link costs 3.5% + 10¢, and e-commerce costs 2.9% + 25¢. Chase says the basic pricing is the same for every card. Checked on Chase Payment Solutions pricing page on October 14, 2026.

Does Chase charge a monthly fee?

QuickAccept shows 'No hidden or monthly fees', but it only works with a Chase Business Complete Banking account, which has a $15 monthly service fee that Chase waives in several ways, for example with $2,000 in eligible QuickAccept deposits in a statement period. Standalone terminals and the e-commerce gateway show a monthly fee from $9.95. Checked on Chase Payment Solutions pricing page on October 14, 2026.

What does Chase hardware cost?

The Chase Card Reader is $99, its base is $49 and the two together are $129. The Chase POS Terminal is $499, or $399 with code POS100 in a limited-time offer. The standalone Chase Wireless Terminal is $499 and the Countertop Terminal is $399. Tap to Pay on phone needs no hardware. Checked on Chase Payment Solutions pricing page on October 14, 2026.

How fast do I get paid with Chase?

QuickAccept deposits can arrive as soon as the same day at no extra cost when funds go to a Chase business checking account. Standalone terminals and the e-commerce gateway offer next-day deposits to a Chase business checking account. Chase says timing otherwise depends on the solution you choose and where you deposit. Checked on Chase Payment Solutions pricing page on October 14, 2026.

Is there a contract with Chase?

Chase says businesses that enroll under its standard month-to-month agreement do not face cancellation fees, and that it does not charge additional PCI-related fees. Custom pricing, including interchange rate options, may be available by volume; Chase does not publish the terms of those agreements. Checked on Chase Payment Solutions pricing page on October 14, 2026.

Do I need a Chase bank account to take card payments with Chase?

For QuickAccept (the Chase POS app, Card Reader, POS Terminal and invoicing), yes: it is exclusively available through a Chase Business Complete Banking account. Chase also sells standalone terminals and an e-commerce gateway through a Payments Advisor, and says deposit timing depends on whether you deposit into a Chase business checking account. Checked on Chase Payment Solutions pricing page on October 14, 2026.

Source: chase.com