How Does Chase Quick Pay Work?

Chase Quick Pay is a banking tool you use to send money to almost anyone in the United States who has a bank account. While there are a few steps required to set it up, it’s designed to be user-friendly once your account is set up for it.

Download the Chase or Zelle App

To get started with Quick Pay, you need to download either the Chase app or Zelle app to your smartphone. Zelle is a person-to-person, or peer-to-peer (P2P), payment app. One advantage of Zelle is that it can send money between different banks, so a Chase customer can send money to someone who uses a different bank altogether. Someone with a different bank system can also use Zelle to send money directly to a Chase customer. The Chase banking app provides more versatility for Chase customers, however, because it gives you full access to your banking information, and it connects with Zelle fully to enable Quick Pay.

The Information You Need to Use Quick Pay

You need to have the recipient’s mobile phone number or email address to send money through the Chase Quick Pay service. You also need to know if you’re sending a payment to another Chase account or an account with another banking system. To get started after downloading the app, log into the Chase or Zelle app in your smartphone. The app will offer to save your login information, which is optional in case you share a phone with others and don’t want to give them access to your accounts.

Prepare to Send the Payment

In the Quick Pay app, enter the recipient’s mobile phone number or email address. Confirm that the information you enter is correct carefully because incorrect information will send the payment to someone else. It is typically possible to get your money back if this happens, but it delays payment and neither the person you are sending money to nor you will be able to access the funds while they’re tied up in the system. Enter the amount you want to send and click the “Submit” or “Send” icon.

The Recipient Receives Notification of the Payment

The person you’re sending money to gets an email or text notification of the payment you sent. If they are already set up with Quick Pay or Zelle, the transaction is complete. They will be able to log into their account and see the funds there. If the recipient has a Chase account but isn’t set up to receive payments through Quick Pay, he or she has to register to be able to access the money.

Non-Chase Bank Recipients Have a Bit More to Do

If the recipient doesn’t bank with Chase, there are a few extra steps in place. These steps are for the purpose of protecting your funds. The recipient has to follow a link provided by Chase and set up an account. For amounts less than $250, the recipient only has to enter his or her bank information, verify their email and accept payment. For amounts more than $250, there is a two-day delay before the funds transfer so that Chase can confirm the authenticity of the recipient’s account. After the two-day hold, the recipient will be able to log into their account and see the available funds.