Statements and fees support

Easily access your Chase account statements and fee details.

Find everything you need to understand your statements—monthly fees, pricing plans, transaction history, maintenance charges, banking terms, and how to download your statement.

What do you need help with today?

I can't find my merchant statement

You can access your merchant statements in Chase Business Online or Resource Online. After signing in, navigate to your statements section to view or download your monthly reports. For step-by-step to sign in go here.

View my statement

My deposit doesn't match my sales

Your deposit may differ from sales due to fees, refunds, or chargebacks. Check the Funding Summary and Charges and Fees sections for details.

For a quick guide to what each page shows, review the statement overview.

View statement overview

I don't understand the terms on my statement

Merchant statements include terms related to transactions, deposits, fees, and adjustments. Understanding these terms can help you reconcile payments and track processing costs.

Use our glossary to learn what common statement terms mean.

View glossary

I see a fee or adjustment I don’t recognize

Merchant statements may include processing fees, monthly service fees, refunds, or other adjustments related to card transactions. Review the Charges and fees or Financial adjustments section of your statement to see the description and amount for each item. Some fees are related to payment brands such as Mastercard, Visa, and Discover.

Understand statement fees

I need to update my business or tax information

If your Tax ID, EIN, or business information has changed, it’s important to update your merchant account details to keep your records and tax reporting accurate. submit the required documents through Chase Business Online (CBO). For more help, check out our business tax support page.

Update business information

I received a chargeback or reversal

A chargeback or reversal happens when a customer disputes a transaction through their bank. The disputed amount may be temporarily removed while the case is reviewed.

You can review the dispute details and submit documentation if needed.

Manage disputes

How do I receive my statements?

By mail
By email
Online (recommended for fastest, most secure access)

Why choose online?

View, print or download statements anytime—no waiting, no paper, more security.

Accessing your statements

Chase Business Online

Sign in to Chase Business Online
Choose your account
Click Statements below your dashboard to view up to seven years of statements
Open or download statements using the icons on the right
Filter by year with the dropdown menu
To view other Chase business account statements, choose the account under Accounts on the left

Tip: Statements are typically generated on the 1st or 2nd of each month. If you don’t see one, check your delivery preferences.

Resource Online

Sign in to Resource Online with your credentials
Choose Recon Solution
Click on Statements then View Statements
If you have more than one location, click on the location you want and choose Select
Choose the month for the statement you would like to see
Click on the last day of that month highlighted in blue and the statement will open
To download the statement, click the download button at the top right next to the printer icon

Tip: To find statements older than 18 months, go to Archived Statements.

Tips for reading your statement

Check your net funding: This is the amount deposited after fees and adjustments. If it doesn’t match your sales, review the fee breakdown and adjustments
Spot unusual fees or adjustments: If you see something unexpected, check the “Fee Breakdown” section or visit our FAQ for explanations
Match transactions to your records: Use the transaction details to reconcile your sales and deposits
Need help with terms? Our glossary explains common statement terms like “chargeback,” “adjustment” and “processing fee“

Reading your statement

Make sense of your statement—quickly and confidently.

Your monthly statement is designed to give you a clear overview of your account activity, including how much you processed, what you were paid, and what fees were applied. Here’s how to read and understand each section so you can easily track your payouts and account details.

Note: This is a sample U.S. statement provided for reference only—it contains no actual account data. Your statement may include more than one page for each summary section.

Cover page: shows your basic account details and any important service updates.

Your monthly statement cover page showing your account details, statement period, important messages and a summary of your deposits, payouts, adjustments and fees.

This section shows your company number, merchant number, business name, and statement period—use your merchant number to identify the correct account if you have more than one.
You’ll see a breakdown of your deposits and any amounts taken out here. This helps you keep track of how your business is doing and spot any patterns or changes in your transactions.
Use this PO Box address for mailing official documents or support requests to Merchant Services.
This section shows important service updates and account info.

Deposit summary: Shows all your account activity by card type, including transactions and deposit adjustments; negative amounts appear in red with parentheses.

Your Deposit Summary showing the payments you processed, your total deposits, any adjustments, your net deposits and totals by card type.

The day your sales were sent to Chase to be processed.
The total transactions in each settled batch.
Total sales minus returns for each batch.
Amounts for transactions that were rejected and not processed.
The total deposit amount you receive after subtracting any rejected transactions.
The final amount Chase deposited into your bank account (details in the funding summary).
The total amount you received for each credit card type (MC , Amex, JCB...) is shown next to the card name (details in the Credit Card Summary)

Funding summary: Shows your daily deposit details, including chargebacks, reversals, adjustments, and fees; negative amounts appear in red with parentheses.

Your Funding Summary showing your daily payouts, including deposits, chargebacks, adjustments, fees and the total amount sent to your bank account.

The day when your funds were sent to your bank account.
The full amount deposited for the period (before deductions).
Money taken out due to customer disputes or returned payments.
Corrections or updates to your account balance, such as fixing errors or applying credits.
Amounts deducted for payment processing, account maintenance, or transaction-related services (details in Charges and fees summary).
The actual amount you received after all adjustments and fees.

Credit card summary: shows your sales and returns by card type, with totals, number of transactions and average sale amount for the statement period.

Your Credit Card Summary showing your sales, refunds, number of transactions, net sales and average sale amount by card type, along with your tax ID status.

The different types of credit cards you accept (like Visa, Mastercard, etc.)
How many sales you made with each card type
The total amount of money you made from sales with each card type
How many refunds you processed for each card type.
The total amount you refunded to customers for each card type.
How many sales and refunds you processed with each card type.
The total money you made from each card type after subtracting any refunds.
Tells you the average amount customers spent per transaction for each card type.
This part confirms that your tax information matches IRS records. If there’s ever a problem, you’ll get clear instructions here on what to do next.

Chargebacks and Reversals summary: This section lists any payments that were taken back, either because a customer challenged a purchase or the bank had to correct a transaction due to a processing error.

Your chargebacks and reversals showing when payments were disputed or reversed, including dates, reasons, number of transactions and amounts.

Date when money was taken out of your account because of a customer dispute or a transaction issue.
A special case number given to each chargeback or reversal. You can use this number if you need to ask questions or follow up with support.
This explains why the money was taken out. It could be because a customer didn’t recognize a charge, claimed they didn’t get what they paid for or there was a problem with the payment.
Shows how many chargebacks or reversals happened on that day. For example, if two customers had issues, you’d see “2” here.
The exact amount of money that was taken out for each chargeback or reversal.

Understanding fees and adjustments

Common fee types:

Interchange fees — Charged by payment brands like Visa and Mastercard
Assessment fees — Set by card networks
Access fees — For online payment gateways or tools
Monthly fees — Account maintenance or statement delivery
Adjustments — can occur if transactions are refunded, chargebacks are processed, or system corrections are made

Note: Cross-check your Charges and Fees summary if your deposits seem lower than expected.

Glossary of key terms

Funding Summary — Section showing the total amount of money sent to your bank account after all fees and adjustment
Chargeback — Happens when a customer disputes a transaction and the payment is temporarily taken back from your account
Adjustment — Manual correction or account reconciliation entry
Deposit Summary — Lists all the money that was deposited into or withdrawn from your account during the statement period
Assessment Fee — A small percentage fee charged by card networks (like Visa or Mastercard) for processing card payments
Interchange Fee — A fee charged by payment brands (like Visa or Mastercard) for each card transaction

Understanding your pricing plan

Your fees may vary depending on the card type, payment method and your pricing plan. Each plan calculates fees differently — here are the most common methods:

Pricing plan and how it works	The fees you pay	What to expect
Swiped / Keyed (DRSK) : Your rate depends on how the payment is taken.	Lower rate → Tap, insert or swipe Higher rate → Manual entry (including online and phone orders)	Rates consistent with how transactions are processed Simple, predictable pricing Note: A per-transaction fee may apply.
Interchange Pass-Through (IPT or IC+) : You pay the cost set for each transaction, plus a processing fee.	Interchange fee → Based on card and transaction types Processing fee → Fixed amount, percentage or both	More visbility into pricing per transaction
Flat Rate (DNBB) : You pay a set rate for most transactions.	One rate for credit card transactions One rate for debit card transactions	Simple, predictable pricing Note: Some transaction types (like PIN debit) may have lower fees.
Tiered Pricing: Transactions are grouped into categories, each with its own rate.	Different rates for different transaction types (based on factors like card type and payment method): Qualified → Lowest rate Mid-qualified (if applicable) → Mid-range rate Non-qualified → Highest rate	Unique rates for transactions grouped by categories

Not sure which plan you have? You can find your pricing plan on the bottom left of your statement or in your agreement.

Statements and fees FAQs

Explore these FAQs to find clear answers to common questions about your statements /fees and more.

At a glance:

Cover page: To quickly check your account details, business name, statement period and any important messages from us. It’s your starting point for every statement
Deposit summary: To see all the money that was put into your account, along with the dates and amounts. Use this page when you want to confirm your deposits or match them to your sales
Funding summary: It shows the total amount you actually received after fees, refunds, and other deductions. Check here if you want to know your final payout for the statement period
Credit card summary: To see how much you sold and refunded by each card type (like Visa or Mastercard). It’s helpful for tracking which cards your customers use most and your average sale amounts
Chargebacks and retrievals: Use this page to manage disputes—find details about money taken out for customer complaints or retrieval requests, and see why funds were removed
Pre-Disputes: This section flags transactions that might become disputes, giving you a heads-up before money is taken out. Use it to act early and possibly prevent chargebacks
Financial adjustments: Go here to see any corrections or changes made to your account. Use this page if you notice unexpected changes in your balance and want to know why
Charges and fees: Go here to review all the fees you were charged, with clear descriptions and amounts. Use it to understand what you’re paying for and check for any unusual charges

Tip: Whenever you have a question about your statement—like missing money, unexpected fees, or customer disputes—start with the section that matches your concern. Each page is designed to help you find answers fast and keep your business records clear.

Delays may occur due to:

Postal mail issues
Incorrect email address

Note: Statements are always available online for immediate access.

The Credit Card Summary shows:

Sales and refunds per card type
Net Sales = Sales – Refunds
Average Ticket = Net Sales ÷ Number of items

The Funding Summary shows daily funding, chargebacks, adjustments, and fees. Amount Transferred under Totals = net transfer to your account.

Statements are summaries. Individual transactions aren’t displayed due to size limits. All activity is available real-time online on your Chase Online account.

Think of black numbers as money coming your way—they are amounts added to your account. Red numbers (with parentheses) are money heading out—they are amounts taken from your account.

But here’s the twist:

In the Financial Adjustments and Charges & Fees sections, black means money was taken out for fees or corrections, and red means money was put back in.

So, as you look through your statement, remember:

Black usually means you got paid, red means money was taken out—except for adjustments and fees, where it’s the other way around.

The Tax Information section helps you keep your business tax details up to date and compliant with IRS rules. It shows if the Tax ID Number (TIN) we have matches IRS records and lets you know if you need to take any action. If an update is needed, simply submit the required documents through Chase Business Online (CBO). For more help, check out our business tax support page.

If you receive a chargeback or a customer disputes a transaction, visit our Disputes Support Page for step-by-step guidance. You’ll find information on how to respond, what documents you may need, and tips for resolving disputes quickly. If you need more help, our support team is here for you.

A daily statement provides a summary of your transactions and account activity for each day, giving you a quick snapshot of your business’s performance. While your monthly statement offers a comprehensive overview of all activity for the entire month, the daily statement helps you monitor and manage your finances on a day-to-day basis.

Yes, you can choose to receive daily statements in addition to your monthly statement. To opt in, simply update your statement preferences in your online account portal or contact us for assistance. We’re happy to help you set up the statement frequency that works best for your business.

If you’re updating your business name (like a DBA or trading name), our support team can guide you through the process and let you know which documents are needed. For changes to your company name due to a legal entity update, a new merchant account will be required. Please reach out to us—we’re here to help with both situations and answer any questions you may have.

Each fee on your statement is either:

Percentage-based fee
- Look for Sales Amount and Rate on the statement
- Amount Charged = Sales Amount × Rate
  Example: $1,000 × 2% = $20
Per-item fee
- Look for Items and Item Charge on the statement
- Amount Charged = Items × Item Charge
  Example: 50 items × $0.10 = $5

All fees are listed in the Charges & Fees section. The total amount for each fee is always visible at a glance.

The discount rate is the percentage agreed with Chase for processing transactions. It includes:

Interchange portion → paid to issuing banks
Chase revenue → paid to the acquirer

Example: 1.2% discount rate on $1,000 in sales = $12 fee

Brand fees include:

Interchange fees: Paid to the issuing bank per transaction
Assessment fees: % of gross transaction amount, paid to card brands
Access fees: Applied when authorizations or settlements are processed

Mastercard Fees

NABU (Network Access & Brand Usage): Domestic authorizations & refunds
Merchant Location Fee: Per location based on monthly activity
MC AVS Auth Access: For card-present & card-not-present transactions using Address Verification Service (AVS)
MC Account Status & Processing Integrity: For account validation & timely reversals
MC Cross-Border Assessment: For international transactions

Visa Fees

Network Acquirer Processing Fee (NAPF): Standard processing fee for network transactions
Misuse of Authorization / Zero Floor Limit / Transaction Integrity: Fees for improper authorization or transaction integrity issues
Zero $ Account Verification / Partial Auth Non-Participation: Charges for account verification and partial authorization non-participation
Inter-regional Acquiring Fee / International Service Assessment / FANF: Fees for international transactions and fixed acquirer network fees

Discover Fees

Data Usage: All sales transactions
International Service Fee (ISF): Charged for international transactions
International Processing Fee (IPF): Additional fee for processing international transactions

For full current fee schedules, check the respective brand websites.   

Interchange fees cover the cost for issuing banks to provide credit and reduce fraud. They vary by:

Card type (credit, debit, rewards)
Transaction type (card present, online, phone)
Transaction risk (higher risk → higher fee)

Note: Interchange rates are set by the card brands (Visa, Mastercard, Discover) and can change twice a year (April & October).

Network Access and Brand Usage (NABU): Charged on domestic authorizations and refunds when the card used is issued within the United States. The NABU does not apply to reversals, chargebacks or manual cash advances
Merchant Location Fee: Assessed per merchant location and is based on monthly activity. It does not apply to merchant locations with less than $200 in monthly gross Mastercard volume
MC AVS Auth Access (Card Present): Charged on transactions swiped through the terminal when you use the address verification service (AVS) to validate a cardholder’s address
MC AVS Auth Access (Card Not Present): Charged on all card-not-present transactions, including those where card number is keyed into the terminal, when you use the address verification service (AVS) to validate a cardholder’s address
MC Account Status: Charged when you initiate a request to validate the cardholder account status, address verification (AVS), card validation code 2 (CVC 2), or any combinations
MC Processing Integrity: Charged when a transaction authorization is not utilized in a timely manner or is not reversed based on Mastercard standards. If an authorization is not used, card-present merchants must complete an authorization reversal for that transaction within 24 hours. Card-not-present merchants must complete a reversal within 72 hours
MC Cross-Border Assessment: Charged on any transaction on a Mastercard branded credit or debit card in which the cardholder country code differs from the country code of the merchant

You can learn more about current Mastercard payment brand fees on their website.

If you spot a fee that doesn’t look right, check and review carefully for more details. If it still seems off, contact us. We’ll review it together and help fix any mistakes!

The monthly billing fee is 0.03%. With monthly billing, you get the full amount from your daily credit card payments, and we hold back all processing fees until the end of the month. This makes it easier to match your sales and deposits each day.

Note: You can switch to daily billing for free anytime. Just contact us if you’d like to make the change.

If your business doesn’t reach the minimum transaction amount we agreed on, you’ll see a small account minimum fee on your statement. It’s there to help cover basic service costs when sales are lower than expected. This fee can show up as a monthly service fee, internet service fee, or other supplemental charges.

Note: If you have questions about your minimums or want to review your agreement, just let us know—we’re here to help!

Find general support on the topics that matter most to business owners like you

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Explore all of our support topics and discover the answers to your questions.

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Statements and fees support

What do you need help with today?

I can't find my merchant statement

My deposit doesn't match my sales

I don't understand the terms on my statement

I see a fee or adjustment I don’t recognize

I need to update my business or tax information

I received a chargeback or reversal

How do I receive my statements?

Accessing your statements

Chase Business Online

Resource Online

Tips for reading your statement

Reading your statement

Understanding fees and adjustments

Glossary of key terms

Understanding your pricing plan

Statements and fees FAQs

Find general support on the topics that matter most to business owners like you

Access and security

Disputes

Taxes

Fraud

Don’t see what you need?

Statements and fees support

What do you need help with today?

I can't find my merchant statement

My deposit doesn't match my sales

I don't understand the terms on my statement

I see a fee or adjustment I don’t recognize

I need to update my business or tax information

I received a chargeback or reversal

How do I receive my statements?

Accessing your statements

Chase Business Online

Resource Online

Tips for reading your statement

Reading your statement

Understanding fees and adjustments

Glossary of key terms

Understanding your pricing plan

Statements and fees FAQs

What do the different sections of my statement show, and when should I use them?

Why have I not received my statements?

Where can I find a summary of sales by card type?

Where can I check the total amount deposited into my account for this period?

Why am I unable to see all my sales or refund transactions in my statement?

Why do some amounts show in black and others in red on my statement?

How do I update Tax ID details on my statement?

What should I do if I have a chargeback or dispute?

What is a daily statement, and how is it different from my monthly statement?

Can I opt in to receive daily statements?

How can I update my business name on my statements?

Find general support on the topics that matter most to business owners like you

Access and security

Disputes

Taxes

Fraud

Don’t see what you need?