J.P. Morgan Payments (Chase Payment Solutions)
About
JPMorgan Chase Bank, N.A. operates Chase for Business, providing banking, lending, and payment processing services to small and mid-sized businesses across the United States. The bank offers business checking and savings accounts, business credit cards, loans, and a full suite of merchant payment solutions. Chase services over 7 million small businesses and processed over $2.3 trillion in payments in 2025, operating more than 5,000 branches and 14,000 ATMs nationwide.
Details
Website
chase.com/business/paymentsOfferings
31 active
VenSearch Intelligence
Ideal Customer
- Chase Payment Solutions is well-suited to a broad customer spectrum, from very small businesses using QuickAccept and the Chase POS app all the way to large enterprises needing omnichannel merchant services.
- On the small business side, the ideal customer is a Chase Business Complete Banking account holder — a retail store, restaurant, service business, or e-commerce merchant looking to consolidate banking and payment processing under one provider with same-day deposits and no additional monthly fees.
Key Differentiators
- Chase Payment Solutions' primary differentiator is its dual role as both a payment processor and an acquiring bank, eliminating intermediary handoffs and enabling same-day deposits for Chase Business Complete Banking customers at no additional cost — a rare advantage among payment processors.
- J.P. Morgan Payments processes more than 50% of all card-not-present transactions in the United States and serves over 7 million small businesses, backed by what it calls 'fortress-level' security infrastructure.
Industries Served
- Chase Payment Solutions and J.P. Morgan Payments serve a wide range of industries including retail, restaurants, e-commerce, healthcare, financial services, public sector, technology, energy, media and telecom, consumer goods, and the innovation economy.
- On the small business side, the Chase payment gateway and POS systems are marketed to retail stores, restaurants, and service businesses.
Service Coverage
- J.P. Morgan Payments (Chase Payment Solutions) operates with both domestic and global reach.
- For small business merchant services under the Chase Payment Solutions brand, the offering is primarily U.S.-focused, serving over 7 million small businesses nationwide with access to over 14,000 ATMs and approximately 5,000 branches.
Partnerships
- J.P. Morgan Payments maintains an extensive partner ecosystem through its Payments Partner Network, a digital marketplace launched in June 2023 that features hundreds of third-party integrations spanning virtually every industry and use case.
- Major technology partnerships include a deep strategic collaboration with SAP (embedding payment rails directly into SAP S/4HANA and SAP Multi-Bank Connectivity workflows) and an expanding partnership with Oracle (integrating with Oracle Fusion Cloud ERP, Oracle Simphony for food and beverage, and Oracle Xstore for retail).
Company Size & Ownership
- Chase Payment Solutions is a wholly owned subsidiary of JPMorgan Chase & Co., the largest bank in the United States and the world's largest bank by market capitalization.
- JPMorgan Chase reported approximately 318,512 employees globally as of fiscal year 2025, with full-year 2024 revenues of approximately $278.9 billion.
Compliance & Certifications
- Chase Payment Solutions maintains rigorous compliance with Payment Card Industry Data Security Standards (PCI-DSS), providing merchants with a dedicated team of PCI data security experts, merchant-level rankings, and tools to help meet data security requirements.
- The platform is backed by what Chase describes as 'fortress-level security,' including advanced fraud detection and cybersecurity through the Authorize.net gateway integration.
Compiled from public sources by VenSearch · Last researched October 14, 2026
Offerings
31 offeringsAccess and Security Manager
Access and Security Manager is a tool that allows business owners to set up additional users and control which employees have access to Chase business accounts and cash management tasks. It enables delegation of responsibilities such as issuing employee debit and ATM cards and setting spending limits. This tool helps businesses maintain oversight and security over their banking access.
ACH Collection Services
Chase ACH Collection services are designed for businesses with more advanced payment collection needs beyond basic invoicing. These services allow businesses to collect payments via ACH from customers directly into their Chase business account. Support is available by calling 1-800-242-7338.
Business Checking Accounts
Chase offers a variety of business checking accounts for small, mid-sized, and large businesses, including Chase Business Complete Checking, Chase Performance Business Checking, and Chase Business Platinum Business Checking. Accounts provide online and mobile banking access, debit cards, bill pay, and integration with payment and payroll tools. Clients processing over $2,000 per month in card payments can have the Monthly Service Fee waived.
Business Credit Cards
Chase offers a range of business credit cards under the Chase for Business brand, including Chase Ink business credit cards. Businesses can compare card benefits and apply for the card best suited to their needs. Cards are issued by JPMorgan Chase Bank, N.A.
Business Credit Journey
Business Credit Journey is a complimentary tool available to Chase business customers that provides access to business credit scores and tips on how to improve them. It helps business owners understand what factors impact their credit and how to take steps toward better creditworthiness. There is no additional cost to use this service.
Business Loans
Chase provides small business financing options including SBA loans, commercial real estate financing, and a business line of credit. These lending products are designed to help businesses at various stages fund operations, expansion, or capital needs. Loans are subject to credit approval and other requirements.
Business Savings Accounts
Chase offers business savings accounts including Total Savings, Premier Savings, and a business CD to help businesses set aside and grow funds. These accounts are offered alongside checking products as part of Chase's broader business banking suite. Specific terms and rates are not detailed on the reviewed pages.
Chase Business Associate Debit Cards
Chase Business Associate Debit Cards allow employees to make purchases on behalf of the business, with the ability for signers to set daily limits on point-of-sale purchases and ATM withdrawals. Signers must provide the employee's legal name, date of birth, and residential address to issue the card. This card type gives businesses control over employee spending while enabling delegated purchasing authority.
Chase Business Debit Cards
Chase Business Debit Cards provide businesses convenient access to funds for ATM withdrawals, deposits, and purchases, with access to over 14,000 ATMs nationwide. All cards include Zero Liability Protection, contactless chip-enabled technology, and the ability to set up account alerts for unusual activity. Chase also offers Business Associate Debit Cards for employee purchases with daily limits, and Business Employee Deposit Cards restricted to ATM deposits only.
Chase Business Employee Deposit Cards
Chase Business Employee Deposit Cards restrict employees to making ATM deposits only, preventing withdrawals, purchases, access to financial information, and any changes to the card or accounts. Signers must provide the employee's legal name, date of birth, and residential address to issue the card. This card is designed for businesses that need employees to handle deposits without broader account access.
Chase Card Reader
The Chase Card Reader is a mobile card reader that connects to a smartphone to turn it into a mobile POS system. It works with the Chase POS app and supports processing payments, creating a product catalog, managing tips, and accepting card payments anywhere in the U.S. It won the Red Dot Award for Product Design 2026.
Chase Customer Insights
Chase Customer Insights is a business analytics tool that provides simple, actionable analytics to help business owners make better decisions at no additional cost. It is available to Chase business banking customers and is described as being used by over one million customers. The tool is positioned as a competitive advantage for business decision-making.
Chase Online Bill Pay
Chase Online Bill Pay allows businesses to pay any bill electronically by adding a recipient using an account number and pay-to address, eliminating the need for checks or postage. Delivery takes 1-5 business days with no additional fees charged by Chase beyond the account. The cut-off time for business day processing is 8 PM ET.
Chase Payment Solutions
Chase Payment Solutions is a merchant services platform that allows businesses to accept credit cards, debit cards, and digital wallet payments in-store, on-the-go, and online. It includes business analytics tools and integrates with Chase Business Complete Banking to provide same-day deposits at no extra cost. The suite covers point-of-sale hardware and software, invoicing, virtual terminals, and payment gateways.
Chase Payroll
Chase Payroll, powered by Gusto, allows Chase business checking customers to simplify payroll, tax filings, and employee management in just a few clicks. Chase business checking customers can process next-day payroll through this integrated service. It is accessible directly through Chase's business banking platform.
Chase POS App
The Chase POS app is a mobile application that enables businesses to process payments, manage a product catalog, handle tips, and connect to a card reader. It functions as the software component of the Chase POS system and is available to Chase Business Complete Banking customers via Chase QuickAccept activation. The app supports both in-store and on-the-go payment acceptance.
Chase POS Terminal
The Chase POS Terminal is a physical point-of-sale device that allows businesses to take payments, print and send receipts, and manage products and inventory. It is part of the Chase POS system and is available for purchase with a limited-time offer of $100 off using code POS100. It is designed for merchants seeking an upgrade from basic card readers.
Chase QuickAccept
Chase QuickAccept is a payment acceptance feature built into Chase Business Complete Banking accounts that enables merchants to start accepting card payments quickly. It provides same-day deposits at no additional cost and is activated through the Chase Mobile app or Chase Business Online. It serves as the entry point for the Chase POS system.
Chase QuickDeposit
Chase QuickDeposit is a mobile check deposit service that allows business owners to deposit checks remotely using their mobile device. It is available to Chase business banking customers as part of the digital tools suite for getting paid quickly. It is accessible through the Chase Mobile app.
Commercial Banking
Chase Commercial Banking provides credit, financing, treasury, and payment solutions tailored for large corporations, midsize businesses, startups in the innovation economy, and domestic and international industry leaders. It is a distinct offering from small business banking and is positioned for clients with more complex financial needs. Specific products and pricing are not detailed on the reviewed pages.
Everyday 401(k) by J.P. Morgan
Everyday 401(k) by J.P. Morgan is a retirement benefits plan solution that businesses can offer to their employees. It is described as a low cost retirement plan built for both business owners and their employees. Chase business banking customers can set up these plans as part of their employee benefits.
Fraud Protection Services
Chase Fraud Protection Services help businesses prevent unauthorized check or ACH payments and protect accounts from fraud and bad actors. Businesses can enroll through Chase Business Online and also set up Account Alerts to be notified about suspicious account activity. The service is referenced as complementary to businesses that still use checks in addition to digital payment methods.
Invoicing
Chase's invoicing solution allows Chase Business Complete Banking customers to create and send professional digital invoices directly from their business bank account and automatically track payments made via QuickAccept. It is available at no additional monthly cost and can be set up in five minutes or less. Recurring billing is also supported through a virtual terminal.
Payment Gateway
Chase offers a payment gateway that enables businesses to add Chase payment processing directly to their website for online orders. It integrates with leading e-commerce platforms to facilitate card-not-present transactions. Online order processing is charged at 2.9% plus 25 cents per transaction.
Real-Time Payments
Chase's Real-Time Payments service delivers funds to recipients in moments with a fee of 1% of each transaction amount up to a $25 maximum. Unlike ACH options, real-time payments are not reversible once sent. This service is available through the Chase online Payment Center for businesses needing immediate fund transfers.
Same-Day ACH
Chase's Same-Day ACH service delivers payments by the end of the business day for a fee of 1% of each transaction amount up to a $25 maximum. Payments are reversible and are made available through the Chase online Payment Center. This option is suited for businesses needing faster vendor or employee payment delivery than standard ACH.
Standard ACH
Chase's Standard ACH service allows businesses to pay vendors and employees electronically with a delivery time of 1 business day. The first 10 payments per month are $2.50 each, and any additional payments are $0.15 each. Standard ACH payments are reversible.
Tap to Pay on Phone
Tap to Pay on Phone allows businesses to accept contactless payments directly on their smartphone without any additional hardware. It supports all types of tap-to-pay transactions in-store or on-the-go and is described as easy, secure, and private. It is part of the Chase POS system offering.
Virtual Terminal
The Chase Virtual Terminal enables businesses to send customers a secure payment link via text or email, or manually enter card details for itemized or quick sales. It supports recurring billing and remote payment processing without requiring a physical card reader. It is part of the Chase Payment Solutions suite.
Wire Transfers
Chase offers domestic and international wire transfer services for businesses through its online Payment Center. Wires have a delivery time of 1-5 business days, a standard fee of $0-$40, and a cut-off time of 6 PM ET on business days. Wire transfers are not reversible once sent.
Zelle for Business
Zelle for Business is integrated into the Chase Mobile app and allows small business owners to send and receive payments directly from their Chase business checking account without sharing sensitive bank information. Businesses can create a unique Zelle tag for their business to make it easy for customers to find and pay them. Chase does not charge additional fees for Zelle transactions, and money is received directly into the Chase checking account in moments.
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