Chase Paymentech Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Specializes in

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: Variable

Keyed-in Rate: Variable

Early Termination Fee : None

Contract Terms:

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Chase Paymentech was founded in 1985 in Dallas, Texas and has offices in the United States, Canada, and Europe. The company is an international processor, but for the purposes of this article we’ll focus on services available to businesses based in the United States.

Chase Paymentech Overview


Based out of Dallas, Texas, Chase Paymentech ( is one of the largest merchant account providers in the United States. Although it has operated under different business names due to various acquisitions and joint ventures, Chase Paymentech has been in existence since 1985. Chase Paymentech rebranded its global ISO operations as “Chase Commerce Solutions” in late 2015, but First American Payment Systems acquired all of Chase Commerce Solutions’s operations in January 2016. Today, Chase’s merchant services products are marketed as a branch of JPMorgan Chase, but the Chase Paymentech brand is still found on the products themselves. Chase also acquired WePay in October 2017, which could signal the next direction for the company.

Chase Paymentech has achieved some recognition as the back-end processing network for the popular mobile credit card processing app Square. The company’s headquarters can be found at 14221 Dallas Pkwy, Dallas, Texas 75254. Chase Paymentech is part of a larger platform called Chase Merchant Services, which is overseen by CEO Matt Kane.

Quick Facts

Head Quarters

Dallas, TX

Year Founded



Matt Kane



Merchant Provider Risk Tolerance

low medium

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Education
  • Educational Seminars
  • Electronics
  • Gas Station
  • Marketing Agency
  • Moving Companies
  • Personal Service
  • Property Management
  • SAAS
  • SEO & SEM Services
  • Thrift Store
  • Web Design Services

Business Types Served

  • Ecommerce
  • High Volume
  • Information
  • MLM
  • Mobile
  • Mom & Pop
  • Non Profit
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

Chase Paymentech Products & Services


Chase Paymentech can help you take payments in almost any way you can think of. Chase offers card processing, check processing, processing through smartphones and tablets, payment acceptance from international customers, e-commerce processing, and virtual terminals for taking payments by mail, phone, or fax.

Chase Paymentech Payment Processing

  • Check Services
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Virtual Terminal

Chase Paymentech Billing & Invoicing

  • Mobile Payments
  • Multi-Currency
  • Online Payments
  • Payment Processing

Chase Paymentech Advertising & Sales

This reviewer found no uses of deceptive advertising or rate quoting by Chase Paymentech. The company appears to primarily market its services through partnered sub-ISOs and telemarketing. Interestingly, Paymentech does not appear to recruit independent outside agents directly but, instead, forwards applicants to the sub-ISOs who hire independent agents.

The use of independent agents often results in numerous merchant complaints due to a lack of direct control over their marketing and sales tactics. Since Paymentech does not hire its agents directly, it is not suffering the usual complaints that are associated with the practice. It is entirely possible that the sub-ISOs that hire these agents have the typical complaints, but there is no indication of Chase Paymentech itself being the source of any misleading marketing or tactics. In addition, the complaints that do exist are low in number and inconsistent in their content.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Chase Paymentech Pricing, Rates & Fees


Pricing and contract terms of Paymentech merchant accounts may vary based on several factors including a merchant’s processing needs, sales volume, and the agent or sub-ISO setting up the account. In most cases where Paymentech sets up the account directly, the company offers month-to-month contracts, no cancellation fees and no PCI compliance fees. Merchants who accept a “free terminal” may be subject to a 24-month service agreement, which is a common practice when a provider gives away equipment. The cancellation fees under the 24-month agreement may vary based on the type of equipment, so merchants are strongly encouraged to read their contracts before signing any documents.

Pricing at a Glance

Pricing Model

Interchange PlusFlat Rate

Swiped Rate


Keyed-in Rate


Mobile Payment Rate


Virtual Terminal Rate


Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms

24 Months, Non-Cancellable

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee

Monthly Minimum


Statement Fee

Chase Paymentech Contract & Terms

Chase Paymentech offers variable contract terms that may or may not include an early termination fee.

Contract Length


Early Termination Fee


Chase Paymentech Setup & Support


Setup Highlights

  • Documentation / Knowledge Base
  • Recorded Video Training

Support Highlights

  • Domestic Phone Support (Business Hours)
  • FAQ

Chase Paymentech Complaints, Ratings & Reviews

Chase Paymentech has an “B” rating with the Better Business Bureau but is not BBB-accredited. The BBB created its profile for Chase Paymentech on January 1998 and has 41 complaints in the last 36 months. 28 of these complaints were related to the product or service and 13 had to do with Billing/Collections issues. Chase Paymentech resolved 13 complaints to the satisfaction of the merchant, while the remaining 28 either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant.



B(41 complaints)




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1 Star / 47 Reviews


Total Online Reviews


Total Online Complaints




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