Chase Merchant Services Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Businesses of any size operating in the retail, restaurant, and e-commerce industries.

Specializes in

Chase Merchant Services is a top-rated payment processor and POS solutions provider for businesses of all sizes, from international corporations to retail shops, across many industries, including restaurants, and professional services.

Pricing Summary

Setup Fee: $0

Monthly Fee: $0

Swipe Rate: 2.6% + $0.10

Keyed-in Rate: 3.5% + $0.10

Early Termination Fee : $0

Contract Terms:

Visit Chase Merchant Services

Chase Merchant Services, formerly known as Chase Paymentech, is the merchant services division of JP Morgan Chase Bank. It has been in existence since 1985. The merchant services division is headquartered in Dallas,  Texas, and it is run by Max Neukirchen.

The company's core strengths include high volume processing and no hidden fees.


Chase Merchant Services Overview


Chase serves the world's largest brands, new e-commerce start-ups, and thousands of small businesses for more than 25 years, as per its website.

The firm is one of the top merchant services providers, with over $1 trillion in annual processing.

Quick Facts

Head Quarters

Dallas, Texas

Year Founded



Max Neukirchen



Merchant Provider Risk Tolerance

What We Like

Works with businesses of all sizes.

International businesses accepted.

No account set up fee.

No early termination fee.

No monthly fee.

What We Don't Like

No pricing information is disclosed on the website.

Free credit card terminal requires a long term contract.

NFC based payments are not available.

Uses telemarketers to market its services.

Not all important terms are disclosed.

Industries Served

  • Accounting & Tax Prep
  • Cigars & Tobacco
  • Clothing & Apparel
  • Convenience Store
  • Credit Repair
  • Debt Consolidation
  • Education
  • Educational Seminars
  • Electronics
  • Gaming
  • Gas Station
  • Healthcare
  • Hunting & Outdoor Equipment
  • Legal
  • Marketing Agency
  • Medical
  • Personal Service
  • Restaurant / Bar
  • SAAS
  • SEO & SEM Services
  • Telemedicine
  • Thrift Store

Business Types Served

  • B2B
  • Ecommerce
  • Enterprise Merchant Accounts
  • High Volume
  • Information
  • Low Risk
  • Mobile
  • Mom & Pop
  • MOTO
  • Non Profit
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

Chase Merchant Services Products & Services


Chase Merchant Services promotes the following products on its website:

Countertop Terminals: The firm offers popular countertop terminals from Verifone and Ingenico, which are compatible with Apple Pay, Android Pay, Samsung Pay, and other known digital wallets. It enables merchants to accept all chip-and-PIN and contactless debit and credit transactions. Plus, built-in security to protect customers and businesses from fraud.

E-Commerce Solutions: Whether through the proprietary Orbital Gateway, Hosted Checkout, or any other gateway partners, Chase has flexible processing options for every business. Merchants can accept all debit and credit transactions. Plus, it has 3rd party integrations to accept payments within many popular shopping carts software.

Virtual Terminals: Merchants can access the virtual terminal online and manually enter card information through a secured web portal. It enables accepting major credit and debit card transactions with printed or digital receipts for customers. Plus, merchants can manage refunds, payments and generate reports online using any computer or mobile device.

Chase Merchant Services Payment Processing

  • Bitcoin Processing Compatible
  • Chargeback & Fraud Prevention
  • Check Guarantee
  • Check Services
  • Contactless NFC
  • Credit Card Processing
  • Crypto Currency Compatible
  • Customized Application Guidance
  • Debit Card Processing
  • EBT Acceptance
  • EMV Processing
  • High-Risk Industries
  • Merchant Cash Advance
  • Mobile Card Reader
  • Mobile Commerce
  • Mobile Payments App
  • Ongoing Negotiation & Advocacy
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • Payment Processing Services Integration
  • Receipt Printing
  • Recurring Billing
  • Retail Payment Processing
  • Returns Management
  • Shopping Cart Integration
  • Shopping Cart Provided
  • Signature Capture
  • Virtual Terminal

Chase Merchant Services Billing & Invoicing

  • Billing Portal
  • Contingency Billing
  • Customizable Invoices
  • Dunning Management
  • Mobile Payments
  • Multi-Currency
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Project Billing

Chase Merchant Services Advertising & Sales

Chase Merchant Services primarily markets its services through telemarketing and ISOs according to its website.

Pricing plans are transparently available on the website.

Among the 37 complaints on BBB, there are no advertising/sales issues to report.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Chase Merchant Services Pricing, Rates & Fees


Chase Merchant Services charges debit transactions a swiped rate of 1.99% + $0.15 and credit transactions a swiped rate of 2.99% + $0.15. Plus, a flat rate for both credit and debit transactions that are keyed-in at 2.90% + $0.25.  

Pricing at a Glance

Pricing Model

Interchange PlusTiered PricingFlat Rate

Swiped Rate

2.6% + $0.10

Keyed-in Rate

3.5% + $0.10

Mobile Payment Rate

Virtual Terminal Rate


Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms

24 Month (locked)

Address Verification Service (AVS)

Application Fee


Account Setup Fee


Gateway Setup Fee


Annual Fee


Monthly Minimum


Statement Fee

$5 for printed statements

Chase Merchant Services Contract & Terms

Pricing plans on the website indicate that Chase Merchant Services offers month-to-month contracts with no early termination fee (ETF) and direct installation of equipment.

The firm also provides an optional free terminal, which comes under a 2-year contract.

Contract Length


Early Termination Fee


Chase Merchant Services Setup & Support


Setup Highlights

  • Documentation / Knowledge Base
  • Recorded Video Training

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Offshore Tech Support (After Hours)

Chase Merchant Services Complaints, Ratings & Reviews

Since 1998, Chase Merchant Services maintains a profile with Better Business Bureau, and it currently boasts a B rating. It is not BBB-accredited, and it has a customer rating of 1 out of 5 (10 reviews).

Moreover, said profile has 37 complaints to report consisting of 26 product problems and 11 billing issues.




B (37 Customer Complaints)






1 Star / 47 Reviews


Total Online Reviews


Total Online Complaints




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