Chase QuickAccept^SM and Accept Card Payments Support 

If you have a Chase Business Complete Checking account, you can activate card payments through your Chase Mobile App or chase.com account.  

Sign into chase.com, select the Chase Business Complete Banking account. Click “Accept Card Payments”. Click “Get Started” and follow the prompts to complete activation.

For instructions for activating in the Chase Mobile app, watch the how-to video above.

Payments can be manually entered through your chase.com account or in the mobile app. To process a payment with key entry, enter the card holder’s full name, full card number, expiration date, billing zip code and CVV code. The CVV is a 3-digit code found on the back of most cards. For American Express^®, the CVV is a 4-digit code that is found on the front of the card.

For instructions to accept payments using the card reader with the Chase Mobile app, watch the Take Card Payments on the Go video.

After a payment is approved, the prompt to provide a receipt appears. We recommend you always send your customer a receipt and send a copy to yourself for record keeping. Your copy of the receipt can be required as documentation to contest or resolve disputes.

For instructions for sending a payment link, select Payments links from the left-side menu.

If a payment fails, you will be notified with an on screen error message. This happens for a variety of reasons, including:

• The customer’s information was incorrect or could not be verified.
• The customer’s card issuer declined the payment due to insufficient funds or other blocks on their account.
• Your card payments service has been deactivated.
• You’re collecting payments for something that violates our Terms of Service.

If your service has been deactivated, you should receive an email with more information. If you do not receive an email or if you still need assistance, call us at 1-888-659-4961 for assistance.

If you are accepting payments in the Chase Mobile App, sales taxes are not automatically added to the amount. To add taxes, please calculate the appropriate tax amount and add to the total amount requested before processing the payment.

If you are accepting payments through your account on chase.com, select Card Payments Online in the left-side menu for instructions.  

At this time, you can process international credit cards via card reader. For key-entry transactions in the mobile app and web browser, the card can only be processed with a US-based billing address.

See below for step by step instructions for reporting a problem.

To order a card reader through the Chase Mobile^® app. 

1. Select your card payments account (Chase Business Complete Banking or Chase Payment Solutions) from the dashboard and swipe left.
2. Tap Accept.
3. Select Order Devices.
4. Tap Order card reader.
5. You will be directed to an external website to place your order.

To order a card reader through your account on chase.com

1. Sign into your chase.com account.
2. From the top navigation, select Collect and Deposit.
3. On the bottom right of the summary page under Manage, see Order devices. Select Card reader.
4. Read details about the device and select, Order card reader. You will be directed to an external website to place your order.

Yes. Charge the card reader using the included USB cable for 2 hours before you begin the setup process. The red LED light on the side of the device will stop flashing and remain lit when the battery is fully charged.

Note: If you use a computer USB port to charge your card reader, you’ll need to disconnect the card reader before using it.

Once you’ve turned on Bluetooth on your device, go to the Chase Mobile app to begin the pairing process. Below are instructions for pairing your device. A how-to video is also available above.

To pair your card reader:

1. Make sure Bluetooth is turned on in your mobile device settings and that the card reader is turned on. iOS users should also enable location and Bluetooth settings in the device settings for the Chase Mobile app.
2. Sign into the Chase Mobile app and go to the Chase Business Complete Checking tile.
3. Swipe left and choose Accept, then tap Connect and manage a card reader.
4. Choose Pair a card reader and then choose your card reader from the list of available card readers.
5. When a Bluetooth Pairing Request message is displayed, choose Pair.
   Note: Since the pairing process uses an LED light sequence, you can disregard any message about entering a passcode.
6. Make sure the card reader is within range (30 feet or less) of your mobile device.
7. The LED lights on the card reader will initialize, then display in a sequence. Each light will be ON, OFF or BLINKING.
8. At the same time, an image of the card reader will be displayed on your mobile device.
9. When the sequence on the card reader is the same as in the Chase Mobile app, choose Confirm. To see the sequence again, choose Replay light pattern.
   Note: For security reasons, the pairing process will time out if you don’t choose Confirm or Replay light pattern within 10 seconds. If this happens, you’ll need to restart the pairing process, including unpairing the card reader in your device Bluetooth settings.

Once the mobile card reader is paired with the Chase Mobile app, it will be available to use until you unpair it.

Accommodations are available for customers with visual impairments. Please call us at 1- 888-659-4961 for assistance in setting up your new card reader.

No, turn on your reader by pressing and holding the power button on the right side of reader for a few seconds until it beeps once. To preserve battery life, the reader will automatically turn off after three minutes of inactivity. If the card reader turns off between transactions, press the power button to turn it back on.

If you’re trying to pair your card reader and it’s not listed under Available card readers, verify that:

• Your device Bluetooth is turned on. iOS users should also check Bluetooth is also on within the Chase Mobile settings on their device.
• The card reader is turned on and is within range of your mobile device (usually within 30 feet).

Once you’ve verified these items, start the pairing process again. If your card reader still isn’t listed under Available card readers, check to see if the reader is listed in your device’s Bluetooth settings menu. If it is, you’ll need to “forget” the reader before you can pair it in the Chase Mobile app.

If you are having issues processing with a reader, here are a few tips to troubleshoot.

• Make sure you have the latest version of the Chase Mobile App.
• Check that your Bluetooth and location settings are on within the Chase Mobile app in your phone settings. (Applicable to certain iOs devices only.)
• Restart your card reader.
• Re-pair your card reader. To re-pair your card reader, you need to go to your device settings and "forget" the reader then repeat the pairing process.
• Make sure your reader is turned on and the battery is charged. If the red LED light is flashing, the battery is low and may need to be recharged before use.
• Make sure the reader is within range of your device.

If you are still unable to process a payment, please call us at 1-888-659-4961 for additional assistance.

If your card reader cannot hold a charge, try to fully charge the reader again. Then re-pair the device. If this does not work, review the return policy and call POS Portal to discuss the process to exchange or return your damaged reader.

No. This setting cannot be adjusted.

No, your mobile card reader can only be paired with one account at a time.

Additional or replacement readers can be obtained from the POS Portal website. Please review the return policy and call POS Portal to discuss the process to exchange or return your damaged reader.

For package tracking and shipping inquiries, contact POS Portal regarding your equipment order at 1-855-838-4611, option 2 or visit their website for more information.

If you have already activated payment acceptance, payment links will automatically appear in the Chase Mobile app or your chase.com account.

To send a payment link from the Chase Mobile app:

1. Swiple left on the BUS COMPLETE CHK or Payment Solutions tile
   
   
2. Click Accept
   
   
3. Click Accept a card payment
   
   
4. Enter the transaction amount and purpose of payment in the memo field
   
   
5. Select Payment Link
   
   
6. Enter Customer Name
   
   
7. Click Create
   
   
8. Copy the link to your clipboard or share via email, text, or other application

To send a link from your Chase.com account:

1. Click on Collect and Deposit
   
   
2. Click Accept card payments
   
   
3. Select New sale
   
   
4. Enter the transaction amount and purpose of payment in the memo field
   
   
5. Select payment link
   
   
6. Enter Customer Name
   
   
7. Click Create
   
   
8. Copy the link to your clipboard and paste it into an email, invoice, etc. to send

Your payment link will be randomly generated. At this time, you will not be able to customize the payment portal page.

• The memo will be visible to the customer on the payment portal page and receipt, and will help your customer understand the reason for the charge – the products or services they purchased from you.

• The memo also helps us monitor and protect you from fraud on your account. 

No, the customer must pay the total amount requested on the link.

No, links are one-time use only.

Fees are the same as for manual entry payments.

At this time only the primary users can see payment links.

1. Click payment link
   
   
2. Enter their credit or debit card information
   
   
3. Click pay
   
   
4. Enter their email address for a receipt (optional)
    

Your customer will see a message that the payment is complete, and the link has been paid.

Note: You will receive an automatic email receipt for each transaction.

Verify that the correct contact information is entered for the customer. If the issue persists, attempt to send the link through an alternate method (e.g., text, email, etc).

Your payment link will last until your customers pays or up to 3 months. When the link expires, your customer will see a message to contact you for further information if they attempt to access the link.

Chase Mobile:

1. Swiple left on the BUS COMPLETE CHK or Payment Solutions tile
   
   
2. Click on See accepted card payments
   
   
3. Toggle to Payment links
   
   
4. Click on individual link to see additional details

Chase.com:

1. Click Collect & deposit
   
   
2. Select Accept Card Payments
   
   
3. Click on See transactions
   
   
4. Toggle to payment links
   
   
5. Click on individual link to see additional details

Yes, you can filter by either link status or date created.

Click on the payment link to see the current status – sent, paid, or expired.

No, you cannot see if a customer has opened the link.

No, reminders are currently not available.

Yes, you can cancel a link by navigating to "See accepted card payments"  in mobile or "Sales activity" on Chase.com and clicking on the link that you'd like to cancel. Only active unpaid links can be canceled.

No, you cannot save your customers’ contact information.

1. Click the pencil icon next to Discount, Tax, or Tip on the sale screen.
2. Select Dollar Amount or Percentage from drop down. (Note: Tax is only %)
3. Enter the dollar amount or percentage.
4. Click Save. 

No, at this time, taxes, tips and discounts need to be manually entered for each transaction.

Total Sale = (Amount – Discount) + Tax + Tip

No, you will have add the tip prior to creating and sending the link to your customer.

No, you cannot. Taxes are calculated as a percentage of the total sale.

You cannot edit an existing transaction. You will need to issue a refund and create a new transaction.

No, only full refunds can be processed. For partial refunds, contact our Support Team for assistance.

No, these are optional features.

Funds may be held for a variety of reasons, including protecting against fraud and exceeding deposit limits.

Fraud: To protect against fraud, some transactions may require additional validation. Chase may hold funds to review and ensure the transaction is legitimate. If you experience a funds hold, your transaction status will state “Pending – in Review” in your transaction history on chase.com or the Chase Mobile App. You may receive an email if additional documentation is required to verify the payment. The e-mail will come from WePay.com with the subject line “Additional information needed to resume payouts for your QuickAccept account.” This email will be sent to the email address used when you opened your account. If you have not received an email, please call us at 1-888-659-4961 or submit a ticket for additional assistance. To submit a support ticket, select the transaction and view details. Under view details select “Have a question” and complete the form. Be sure to use the email address used to open your Chase checking account.

Once the transaction is approved, Chase will deposit the funds into your account.

Deposit Limits: Limits are set at the account level and differ by a variety of factors. Funds may be held when the deposit amount exceeds a deposit limit set by Chase. Deposit limits cover potential chargebacks, returns, unshipped merchandise, refunds, and/or unfulfilled services and act as a buffer between the time payments are processed and the time you can access these funds, in order to mitigate the risk of making funds accessible immediately.

If you are depositing into a Chase banking account:

• Card payments authorized before 8 p.m. Eastern Time Sunday through Friday will be deposited into your Chase banking account by 12 a.m. Eastern Time.
  
• Card payments authorized before 8 p.m. Eastern Time on Saturdays will be deposited into your account by 7:30 a.m. Eastern Time Sunday morning.
• Any card payment authorized after the daily cut off time will be deposited the next day.

If you are depositing into non-Chase account:

• Your funds will be deposited the next day.

If your payment has not been deposited according to the stated timelines, your transaction may be under review. Please reference the "Funds Hold" section for additional information.

Individual transactions may require additional information to ensure they are not fraudulent. This type of review protects you and Chase and can easily be resolved by you submitting a receipt when requested. If, on occasion, your weekly payments exceed a threshold established for your business, Chase may hold the funds amount over the threshold to validate activity. This happens very rarely.

If you have further questions, go into your transaction history, select the transaction and view the details. Select Have a question and complete the form. Be sure to use the email address used to open your checking account.

View your transaction history on your Chase Mobile^® app or in your chase.com account. Transactions should appear shortly after submission.

Viewing with the Chase Mobile app:

1. Sign in to your account through the Chase Mobile App.
2. Swipe left on your Chase Business Complete Banking account tile and tap Accept or select your Payment Solutions tile.
3. Tap See accepted card payments to view your transactions.
4. To view your payments details from the list of transactions, select the transaction for which you want to see additional details.
5. To manage your transaction, select the link to Refunds, fees and disputes.

Viewing through your chase.com account:

1. Sign in to your account through chase.com.
2. Tap the Collect and Deposit option in the top menu bar. On the right side of the Summary page, under Accept card payments, select the Activity.
3. To view your payments details from the list of transactions, select the transaction for which you want to see additional details.
4. To manage your transaction, select the link to Refunds, fees and disputes.

Refunds can be issued directly from your chase.com account. You can only refund a payment that’s less than 60 days old. Once a refund has been issued, it usually takes 3-7 business days to credit the customer’s account.

Follow these steps to refund payments:

1. Sign in to your account at chase.com and navigate to your full transaction history following the steps above.
2. Select Refunds, fees, and disputes then find the payment you would like to refund.
3. In the transaction detail view, click the Issue Refund button.

Note: only full refunds are available at this time. For help issuing partial refunds, or for payments older than 60 days, select “Have a question” in the detailed transaction view to open a ticket. Or, call Customer Support at 888-659-4961.

For each transaction, fees are subtracted from your total before you receive your deposit. No additional transactions fees will be charged at the end of the month. To see the deposit amount and any adjustments and fees, go to the transaction history screen, select the transaction, and view the details.

Review your deposit details, fees, adjustments, or disputes related to your card payments from full transaction history in your chase.com account. Select the  transaction to view details for a specific transaction.

We notify you of the dispute via email. You can also view the dispute in your transaction history. When a customer disputes a charge made on their card, the bank that issued the card credits the cardholder and the payment brand credits the issuing bank. The disputed amount is temporarily deducted from your next settlement while the claim is being reviewed. If there are not enough funds in your next settlement, the amount is deducted from your bank account.

View the status of your dispute in your transaction history on chase.com or Chase Mobile. You will receive an initial e-mail notification informing you of the dispute details. Carefully review the information contained in the notification email, particularly the dispute type. You may be given the option to contest or concede the dispute. If you accept responsibility for the dispute, click “Concede.” The funds will not be returned to your bank account.

If, however, you challenge the dispute, you need to provide supporting evidence that the good or service that you agreed to provide to the customer was carried out as intended. Please consult the guide below to determine what documents you need to submit for the most common dispute types.

From the day that you receive your dispute notification, you will have five business days to submit your evidence. This window ensures that Chase has sufficient time to present the evidence to the cardholder’s bank and/or card network within their allocated timeframes. We evaluate late submissions on a case-by-case basis and submit accordingly.

Once you have gathered all of the documents, click the “Contest” button and upload your documents. Please keep in mind that there are size limitations on files, so you may want to submit screenshots. For instance, if you submit your refund policy but the file size is too large, take a screenshot of the page with the cardholder’s signature. Chase currently accepts JPG, JPEG, TIF, TIFF, PNG, and PDF (preferred) files. For each dispute, submit up to five files, 1MB per file. If you have multiple picture files that exceed the combined size limit, compress each individual file and upload again.

Once Chase receives your response and supporting evidence, we will challenge the dispute with the cardholder’s bank on your behalf. If you win the dispute, Chase releases the disputed funds back to your bank account in the next settlement and your confirmation will be sent. Due to timelines for card networks and issuing banks, the dispute can take up to 45 days to be resolved.

You will receive an email from us when the dispute is resolved.

Additional users can be added in your account settings. You will need to enroll in the Access and Security Manager in order to get started.

In the Chase Mobile App, tap the profile icon on the top of the screen, then select the Settings tab, and Security settings.

1. Under Access and Security Manager, select Add user or assign rights to add profiles and/or manage access.
   
   
2. Select Add authorized user.
   
   1. Confirm the activation code.
      
      
   2. Provide details of the authorized user. Ensure mobile access is selected; failure to do so will not allow access for card payments.
      
      
   3. Confirm authorized user details. The authorized user will receive an email to set up their profile.

To enroll in the Access and Security manager and add users via your chase.com account, watch the video.

In the Systems Administrator view, select your account.

If you accept card payments through your banking account:

1. Select the access level of “transact only” for users to accept payments only. Or,
   
   
2. Select See activity and transact for users to accept payments and view your account balance and transactions.
   
   Please note: If you do not want users to view your bank account information, select transact only.
   
   
3. Under Incoming services, select all channels you are trying to grant access to:

a. Accept payments on Chase Smart Terminal (Enables payment acceptance on Smart Terminal only)

b. Accept payments on Chase.com and the Chase Mobile app (Enables payment acceptance on both Chase.com and the Chase Mobile app)

c. See & refund transactions on Chase Smart Terminal (Enables viewing and refunding transactions on the Smart Terminal)

If you accept card payments through your Chase Payment Solutions account:

1. Under Incoming services, select all applicable channels you are trying to grant access:

a. Accept payments on Chase Smart Terminal (Enables payment acceptance Smart Terminal only)

b. Accept payments on Chase.com or the Chase Mobile app (Enables payment acceptance on both Chase.com and the Chase Mobile app)

c. See & refund transactions on Chase Smart Terminal (Enables viewing and refunding transactions on the Smart Terminal)

d. See & refund transactions on Chase.com or the Chase Mobile app (Enables viewing and refunding transactions on both Chase.com and the Chase Mobile App)

Select Next to review changes, then Submit to complete the changes.

If you are accepting payments through your Chase Business Complete Banking (CBCB) account, card acceptance will not be available for use once you close your CBCB account. If you have a CBCB account, you can stop processing payments at any time. Card acceptance is offered at no additional charge. You will only incur fees when you process debit or credit card payments.

If you are accepting payments with a Chase Payment Solutions account, you can close your account through the Chase Mobile app or Chase.com.

1. Sign into your account and click on the Chase Payment Solutions tile
   
   
2. Tap the Collect and Deposit option in the top menu bar. Select Accept card payments, then select the See transactions at the top of the screen
   
   
3. Click on Settings in the left menu bar and then scroll down and click on Close Account in the Account Termination section

A B-Notice, also known as CB2100 or CP2100A notice, is an official communication issued by the Internal Revenue Service (IRS) to inform a payer that the taxpayer identification number (TIN) provided on a tax form, such as a Form 1099, does not match the records held by the IRS. The B-notice serves as a notification to the payer that there might be an error or discrepancy in the taxpayer’s TIN and/or Name match.

To submit the W-9 through your chase.com account:

1. Sign in to your account through chase.com.
2. Tap the Collect and Deposit option in the top menu bar. Under Get Paid on the right side of the dashboard, look for Accept card payments, then select Activity.
3. On the Sales Activity screen, select Refunds, fees and disputes.
4. To submit a Form W-9, select the link to Submit W-9 in the banner notification or task notification at the top of the page. 

a.  The banner notification will include information regarding the B-Notice and the date you’ll need to submit a Form W-9 by to avoid backup withholding.

b. If backup withholding has already started on your account, you will see a banner notification that provides the date the backup withholding started and a link to Submit W-9. 

5. View the information in the new tab that opens and select Fill out Form W-9 to be redirected to the Digital Tax Portal. 

6. To complete the form, you’ll need your Business address, Business legal name, and your TIN (SSN, EIN, or ITIN). Complete the Form W-9 in the Digital Tax Portal and sign the form with Docusign.
7. Select Submit and download the Form W-9 for your own records.
8. Close the window.

Form 1099-K is the IRS’s information return for reporting payment transactions. It reflects the gross dollar amount of transactions you processed with us in the previous calendar year. In addition, the IRS 1099-K form should reflect your legal name and Taxpayer Identification Number (TIN). It is up to you (and your tax professional) to determine whether these amounts represent taxable income.

If you process more than $600 in transactions in the calendar year, you will receive the 1099-K form by January 31 of the following year. The form will come from WePay, a Chase company. All payment processors are required to issue the 1099-K form by law. WePay is also required to file a corresponding tax form with the IRS, which participates in a combined filing program with many state tax agencies, and with some states directly

Yes, these thresholds apply to all US-based businesses including non-profits and other tax-exempt entities. The 1099-K form will be sent with the name and Taxpayer Identification Number (TIN) of your business or non-profit, rather than the account’s administrator’s legal name and social security number.

In other words, if you are an administrator of an account for a business or non-profit,  please make sure you input the correct name and employer identification number for the business or nonprofit.

When determining whether you have processed more than $600, refunds, fees, chargebacks and other items are disregarded according to the tax law. Gross payment volume is determined by the amount of money your customers originally paid.

It is up to you (and your tax professional) to determine whether the amounts reported on the form represent taxable income and how to report your business activity on your tax return. For help understanding your 1099-K go to IRS.gov

Non-US merchants are required to certify their foreign status to be exempt from 10999-K reporting.  Certification remains in effect for 3 years and must be renewed.