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Chase Pay Security FAQ | Chase Pay |

Frequently Asked Questions

What information does Chase Pay® share with merchants?

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When you use Chase Pay, we just send the merchant your payment token (i.e. substitute account number). We never share your Chase username or password, credit card number or account number with merchants.

Am I liable for unauthorized charges made with Chase Pay?

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Purchases made with your Chase credit, debit and/or Chase Liquid® cards have Chase Zero-Liability Protection for any unauthorized card transactions. This means that you will not pay for any unauthorized transactions as long as they are reported promptly. Certain limitations apply. Please see your cardholder agreement for complete details.

What is a payment token?

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Your payment token is a unique number we create that’s associated with each of your cards. When you make a Chase Pay purchase, we show merchants this payment token instead of your actual card number or your username and password.

Can I lock Chase Pay?

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The Chase Pay app is locked when the device is locked.

What if my card is lost or stolen?

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If your card is lost or stolen, please use the information below:
Credit cards: 1-888-955-9900
Debit cards: 1-877-955-9900
Chase Private Client credit and debit cards: Please visit
Private Bank credit cards: Please contact your client service team or log into for additional information.

Is my Chase Pay information secure if my computer or mobile device is lost or stolen?

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No one can use your Chase Pay account without your username and password. If your mobile device is lost or stolen, you should contact your mobile service provider to deactivate your device or call the number on the back of your card.

What should I do if I see a transaction that isn't mine?

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You should call the number on the back of your card immediately if you see a transaction in Chase Pay that you don’t recognize.

What happens when I replace or update my device?

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You may need to download the Chase Pay app again. Once you do, your history and transactions will be intact.