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How to use Chase Pay

Chase Pay is an easy-to-use payment app that can also offer you discounts at select merchants. To learn more, here's our full review.

Mobile payments are one of the fastest growing technologies in the finance industry. There are dozens of companies that are trying to create the best payment apps and system that will become popular and capture the greatest market share.

While some like Apple Pay and Android Pay are based on specific hardware platforms, others are created by major banks.

Chase Pay is a mobile payment system that allows your to simplify your payments online and in select stores.

Chase Pay basics

Mobile app

Chase Pay is a mobile app that’s offered for both Apple and Android devices. The Chase Pay app can be used to create secure, scannable QR codes (square, black and white barcodes) that can be scanned at select retailers including Starbucks, Best Buy, Shell, and Walmart.

Chase Pay can also allow you to place your orders in advance at thousands of restaurants.

Discounts

Chase Pay also offers special discounts at featured merchants. For example, gas stations that accept Chase Pay can offer fuel loyalty perks and additional Chase Ultimate Rewards® points on eligible cards.

When used online, participating websites allow you to use Chase Pay to complete your purchase with just one click, populating your shipping and billing information. Best of all, there’s no charge to use Chase Pay.

Chase pay cannot be used to manage your credit cards or debit card accounts, pay bills, or transfer money. To perform these functions, use the Chase Mobile app or login to Chase.com.

Using Chase Pay

You can use Chase Pay at participating stores and online where you see the Chase Pay logo. The available options include:

  • Order: For ordering food from a nearby restaurant.
  • Pay: To display a QR code that you can scan at the register.
  • Wallet: Shows your recent transactions using your Chase cards. This is also where you add your loyalty cards.
  • More: This is where you can redeem rewards, see eGift card balances, and find nearby stores that accept Chase Pay.

Earning and redeeming rewards with Chase Pay

Store loyalty cards

Do you keep a keychain or wallet full of loyalty cards for your favorite merchants? Chase Pay allows you to store loyalty cards so that you can apply any available offers or discounts when you check out. In addition, Chase Pay allows you to earn the same credit card rewards you normally do with your Chase cards.

Use Chase Ultimate Rewards®

You can also use your Chase Ultimate Rewards® points to pay for purchases made by Chase Pay. You can redeem you points for a statement credit using the Chase pay app or online with any merchants that use Chase Pay as a payment method.

If you don’t have enough points to pay for the entire purchase, you can use your rewards to pay for just a portion. When you redeem your points this way, you’ll get $0.80 for every 100 points redeemed.

How it works

To use your Chase Ultimate Rewards® points to make a purchase with the app, you first tap the blue Pay button at the bottom of the Chase Pay app screen. Then, you just tap the image of the  credit card account that you want to use points from, located directly below the QR code. Finally, you tap the slider button to use points, and it will turn blue when activated.

Chase Freedom Flex℠ and Chase Sapphire Preferred® Card members can also use Chase Pay to redeem their Chase Ultimate Rewards® points for eGift Cards to use at participating merchants. Theses eGift Cards are electronic versions of merchant gift cards.

Chase cards that can earn you rewards

These cards can earn you the most rewards that you can then use with Chase Pay:

Chase Freedom Flex℠

Card info has been independently collected by MoneyUnder30 to help consumers better compare cards. The financial institution did not provide or approve card details.

With the Chase Freedom Flex℠, you’ll earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.

You can also earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

Plus more cash back opportunities: 5% cash back on travel purchased through Chase Ultimate rewards; 3% cash back on dining and drugstore purchases; 1% cash back on all other purchases.

Chase Sapphire Preferred® Card

With the Chase Sapphire Preferred® Card you’ll earn 5X points on travel purchased through Chase Ultimate Rewards, 3X points on dining, 2X points on all other travel purchases, and 1 point per $1 spent on everything else.

In addition, new cardmembers can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

Using Chase Pay to order ahead at restaurants

To use the order ahead feature, choose a merchant to see their menu and available offers. Then, tap an item to add it to your order, which can customize depending on the options at that merchant.

When you’re ready to check out, review your order, including the costs, credits applied, and payment card. Last, tap “Place order,” and the order will be sent to the restaurant, which will let you know when to pick it up. When you get there, you can go right to pickup area because you’ve already paid with Chase Pay.

Other systems like Chase Pay

Chase Pay is just one of many emerging electronic payment systems. Here’s a brief overview of some others;

Venmo

This system, which is owned by PayPal is primarily a digital wallet that allows you to send money to other people.

It’s free to send money between bank accounts, but not surprisingly, there’s a charge for using a credit card. As primarily a peer-to-peer system, it isn’t accepted at many merchants.

Google Pay

This service allows you to send money between bank accounts for free, with a surcharge for credit card use. You can also send money from person to person.

Google Pay has its own app, but also allows you to pay with other apps that accept Google Pay. Google Pay can also be used for public transit in cities like Chicago, Las Vegas, London, and Portland, Oregon.

Paypal

Paypal is primarily an online payment system, but it also allows peer-to-peer payments and is accepted in some stores.

Apple Pay

This payment system is exclusive to compatible iPhones and watches. It also allows  peer-to-peer payments and is widely accepted in many, but not all stores.

Android Pay

Like Apple Pay, this system support peer-to-peer payments and is accepted in some stores. Of course, it’s only compatible with Android devices.

Samsung Pay

This is very similar to Android Pay, but newer Samsung phones also include Magnetic Secure Transmission technology that makes it compatible with most standard credit card readers.

Summary

Chase Pay is an easy-to-use payment app that can also offer you discounts at select merchants. If you’re a Chase customer, you can use your Chase Ultimate Rewards® through Chase Pay.

About the author

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Jason Steele

Jason Steele has been writing about credit cards, travel and personal finance since 2008, and is passionate about using his cards to travel for free. Jason contributes to many of the top personal finance and travel sites and has been widely quoted in mainstream media as a credit card expert. Jason lives in Denver Colorado where he enjoys bicycling, snowboarding and flying.

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