Chase Payment Solutions
Chase Payment Solutions's cheapest published rate is 2.6% + 10c (in-person). Pricing model: tiered. Monthly fee: n/a. Dispute fee: Not published by Chase; per Visa/Mastercard scheme. Cross-border: Not published. FX: Not published.
Tier table (vendor-published)
| Tier | Rate | Notes |
|---|---|---|
| In-person (tap, dip, swipe) | 2.6% + 10c | - |
| E-commerce | 2.9% + 25c | - |
| Manually keyed or payment link | 3.5% + 10c | - |
| Custom interchange-plus | Quote only | - |
Source: https://www.chase.com/business/payments/merchant-fees (verified 2026-09-23).
What Chase Payment Solutions is best for
- Chase business banking customers who want one provider for deposits and acquiring.
- SMB and mid-market retail willing to take Chase's flat-rate plans.
Hidden costs and gotchas
The three flat rates are published in full on Chase's merchant fees page. Two caveats Chase publishes alongside them: monthly fees may apply to certain products and pricing plans, so the flat rate is not automatically a no-monthly-fee plan, and custom pricing with interchange rate options is available based on processing volume through a Payments Advisor. Chase does not publish a figure for that custom interchange-plus margin and we will not infer one. Same-day deposits into a Chase business checking account carry no additional cost.
- Chase's own fees page says monthly fees may apply to certain products and pricing plans, so the published flat rate is not automatically a no-monthly-fee plan. Confirm which plan your quote sits on.
- The gap between the in-person and keyed rates is nearly a full point: 2.6% + 10c tapped against 3.5% + 10c keyed or by payment link. A card-not-present-heavy mix costs materially more on the same plan.
- Custom pricing with interchange rate options is available by processing volume through a Payments Advisor. Chase publishes no figure for that markup.
FAQ
Is Chase Payment Solutions cheaper for Chase customers?
Sometimes, via bundled banking promotions. The headline 2.6% + 10c in-person is the same band as Square, Elavon, and Clover.
What's the interchange-plus markup?
Chase does not publish one. Its fees page says only that custom pricing with interchange rate options is available based on processing volume, through a Payments Advisor. We will not put a number on an unpublished markup; get it in writing on the quote.
See the full vendor index, run the cross-vendor cost calculator, or read how we verify every rate.