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Chase QuickPaySM FAQs PrintPrint

How does a Chase customer sign up for Chase QuickPay?
How does a non-Chase customer sign up to send or accept money through Chase QuickPay?
Can non-Chase customers send or accept money immediately after enrolling?
If I send a payment, when does Chase take the money out of my account?
When will the money be available in my recipient's bank account?
Will recipients see my account number?
How do I request money from someone and accept it?
Why don't I see a payment or request in my "To Do" list?
Are there limits to the amount I can send or receive?
Can I pay a business using Chase QuickPay?

How does a Chase customer sign up for Chase QuickPay?
Chase customers can simply go to the "Chase QuickPay" tab under "Payments and Transfers," click "Sign Up Now" and follow the instructions. Before using the service, they'll need to verify a primary email address using a one-time activation code we send by email.

Note: Chase customers who don't have a Chase checking account may also need to add and verify an external bank account to use when sending and receiving money, if they haven't already added one to make transfers.

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How does a non-Chase customer sign up to send or accept money through Chase QuickPay?
Non-Chase customers can follow these steps:

  1. Go to Chase.com/QP and click "Sign Up Now" under "Not a Chase Customer?". If you've sent money to a non-Chase customer, your recipient will receive a payment notification email with a link to the enrollment process.
  2. Create a User ID and Password to use when logging on at Chase.com/QP.
  3. Add a non-Chase bank account to use when receiving or sending money.
  4. Verify an email address using a one-time activation code we send by email or text message.

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Can non-Chase customers send or accept money immediately after enrolling?
Yes. They can immediately use Chase QuickPay for one transaction—they can either send OR accept one payment of up to $250.

After this one transaction, or to send or accept a payment over $250, they'll need to verify their non-Chase bank account. We use a simple process called "trial deposits." We make two small deposits to the recipient's account and then ask the recipient to verify the amounts by entering them at Chase. This takes one to two business days.

We also make one small withdrawal to cover the two deposits. The recipient enters the amounts of the two deposits only and not the amount of the withdrawal.

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If I send a payment, when does Chase take the money out of my account?
We withdraw money from your account when your recipient accepts your payment.

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When will the money be available in my recipient's bank account?
Your recipient will receive a payment notification by email or text message and must accept your payment before we withdraw the funds from your account. You'll receive notification by email when your recipient accepts your payment.

Availability of funds to your recipient may depend on the time of acceptance, the amount of the payment and whether the payment is between two Chase accounts or involves a non-Chase account.

  • The cutoff time to accept Chase-to-Chase payments is 10 PM Eastern time. Chase-to-Chase payments received up to a total of $500 from all senders will be available immediately. Payments received in excess of $500 will be available the next business day.
  • The cutoff time for payments between Chase and non-Chase accounts is 8 PM Eastern time.
    • For payments accepted before the cutoff time from a Chase account to a non-Chase account, funds are typically available to the non-Chase account the next business day, though posting times are subject to the other bank's processing times.
    • For payments accepted before the cutoff time from a non-Chase account to a Chase account, funds are typically available to the Chase account on the fourth business day. (It typically takes one to two business days for us to receive the funds from the other bank and for funds to appear in your account. We then apply a hold to confirm the other bank has not rejected the transfer before the funds are made available to the Chase account.)

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Will recipients see my account number?
No. Your recipients won't see your account number or other account details, and you won't see theirs. You only need to know each other's email address or mobile phone number.

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How do I request money from someone and accept it?
Go to the main Chase QuickPay page, click "Request Money" and follow the instructions.

Once you submit your request, we'll send an email or text message to the person you're asking for money. In response, this person will log on to Chase QuickPay (or enroll if it's the first time), see your request in the "To Do" list and click "Send Money."

You'll then receive an email to accept the money.

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Why don't I see a payment or request in my "To Do" list?
Make sure that the person is sending the money or request to your correct mobile phone number or email address and that you've added the email address to your Chase QuickPay profile.

To see your email addresses, click "Options & Settings" in the left column, then "See/change your e-mail/phone" under "Notification Settings." Make sure all your email addresses (personal email, work email, etc.) are verified and included in the list. If the sender used an incorrect email address, ask him or her to resend the request to the correct address.

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Are there limits to the amount I can send or receive?
Yes. There are different limits depending on the type of account you're using to send and receive money.

Payments from Chase and verified non-Chase accounts

  • Maximum of $2,000 per transaction, with a maximum of $2,000 total per day
  • Maximum of $8,000 in any seven-day period
  • Maximum of $16,000 in any 30-day period


  • Payments from Private Banking clients
  • Maximum of $5,000 per transaction, with a maximum of $5,000 total per day
  • Maximum of $8,000 in any seven-day period
  • Maximum of $16,000 in any 30-day period


  • Payments from Chase business accounts
  • Maximum of $5,000 per transaction, with a maximum of $5,000 total per day
  • Maximum of $20,000 in any seven-day period
  • Maximum of $40,000 in any 30-day period


  • Invoice payments made using Chase QuickPay
  • Maximum of $10,000 per transaction, with a maximum of $10,000 total per day
  • Maximum of $20,000 in any seven-day period
  • Maximum of $40,000 in any 30-day period
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    Can I pay a business using Chase QuickPay?
    It depends on the business. Many small businesses accept payments through Chase QuickPay, but larger businesses may not. Before making a payment, please ask the business for its preferred payment method.

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