Description: In this article about chase freedom login, the author is going to show you how to set up and use Chase’s Mobile payment platform. Chase Pay is a mobile payment platform developed by Chase and is marketed as an alternative to other mobile phone payment methods such as Apple Pay, Android Pay and Samsung Pay.
It’s Ernest from Trip Astute, we’re exploring chase pay which is a new service from Chase Bank that lets you pay online and in stores without your credit card in hand, we reviewed the second quarter rotating bonus categories for the chase freedom and discussed how Chase pay is one of the 5% bonus categories.
It seems that Chase is trying to promote their service, especially given the growth of mobile payment platforms like Apple pay, Android pay and Samsung pay, I think a lot of people including myself have wondered how it works and if it is like Apple pay or Android pay.
When using the app, it’s a cross between Apple pay and paying with your Starbucks app where you have to use a QR code that’s scanned by the cashier, this means that the number of places that can accept the payment is limited but will grow over time.
To activate chase pay you can either download the chase pay app from the Apple or Google App Store and login with your Chase account username and password or go online and click on the chase pay link in the right hand column of your account.
You’ll need to determine which card will be your default card, you can use Chase pay in two ways, if you look at the list of larger merchants that accept Chase pay, you’ll see that they either accept it online or via the Chase pay app.
If they accept the Chase pay app, it means that you can pay in the store using the QR code that’s generated by the app, for example eBags is listed as a store that accepts Chase pay online, whereas Best Buy is listed showing that they accept the Chase pay app.
If we try to purchase an item from eBags.com, you’ll see that we’re given the option to use chase pay as the method of payment, when we click on the link, we’re asked to log into our Chase account to authorize the payment, to show how the app works, we made a small purchase at Starbucks.
You launch the Chase pay app and select what card you want to use, then the screen displays a QR code, once the QR code is read, you’re section is approved, it’s easy and seamless, before you jump in and start using chase pay, here are a couple of things to keep in mind.
The first one is that chase pay doesn’t work with business accounts and profiles, this annoys me, I had to rely on Fiona’s phone to show you how it all works because I couldn’t get my chase by app to activate, what I found out was that since I have my business and personal profiles merged online, I’m unable to use Chase pay.
When they combined my account, they moved all my personal accounts into my business one, which means that the account registers as a business profile. Chase customer support offered to separate my accounts again, but I decided against it because I like having that combined view.
I don’t know why Chase isn’t allowing their business accounts to use Chase pay, business account users still can’t use Apple pay either on their business ink cards, so it doesn’t make any sense, I’m hoping that they change it soon.
The second one is that cashiers often mistake Chase pay with Apple pay or Android pay, don’t be surprised if you have to tell cashiers how to process your Chase pay payments, when we try to use it, the cashier instructed us to hold the phone next to the reader like you would for Apple or Android pay.
We have to insist that they scan the QR code, once they did, it worked, the technology is still a bit new, so you might have to explain how Chase pay is different than other payment platforms when making a purchase in store.
The third one is check offers in the app. The chase pay app will show offers that you can take advantage of as well as local merchants that accept Chase pay, Fiona noticed that she had a $10 welcome offer loaded on her app for using chase pay for the first time.
The fourth one is redeeming points for gift cards. I don’t recommend doing this since you can often get more value using your points for travel, you have the option of redeeming points toward gift cards which can be directly loaded into the app as an e-gift card. It looks convenient but if you’re trying to get the most value for your points, I suggest redeeming them for travel.
The fifth one is if you have a Chase Freedom Card, make sure you activate the bonus category, Chase has been offering a five percent bonus for Chase pay this past quarter and will continue to offer the bonus from April to June 2018.
If you have a Chase Freedom Card, make sure you also activate the bonus category, if you need more information, check out our video on the quarter two rotating bonus categories, have you used Chase pay? If so, did you use it online or on the app? Please share your experience below in the comment section.
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