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Chase Pay | How to Set-up & Use Chase's Mobile Payment Platform - YouTube
Channel: Trip Astute
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Hi there, it's Ernest from Trip Astute. In
this video, we're exploring Chase Pay -- a
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new service from Chase Bank that lets
you pay online and in stores without
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your credit card in hand.
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(light chiming music)
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In a previous
video, we reviewed the second quarter
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rotating bonus categories for the Chase
Freedom and discussed how Chase Pay is
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one of the 5% bonus categories. It seems
like Chase is really trying to promote
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their service, especially given the
growth of mobile payment platforms
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like Apple Pay, Android Pay, and Samsung
Pay. So I think a lot of folks, including
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myself, have wondered, "how does it work? Is
it like Apple Pay or Android Pay?" Not
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quite, to be honest. When using the app,
it's more like a cross between Apple Pay
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and paying with your Starbucks app, where
you have to use a QR code that's scanned
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by the cashier. This means that the
number of places that can accept the
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payment is limited but will likely grow
over time. To activate Chase Pay, you can
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either download the Chase Pay app from
the Apple or Google App Store and login
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with your Chase account username and
password, or just go online and click on
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the Chase Pay link in the right hand
column of your account. You'll need to
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determine which card will be your
default card. You can then use Chase Pay
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in two ways. If you look at the list of
larger merchants that accept Chase Pay,
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you'll see that they either accept it
online or via the Chase Pay app. If they
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accept the Chase Pay app, it means that
you can pay in the store using the QR
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code that's generated by the app. For
example, eBags is listed as a store that
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accepts Chase Pay online,
whereas Best Buy is listed showing that
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they accept the Chase Pay app. If we try
to purchase an item from eBags.com, then
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you'll see that we're given the option
to use Chase Pay as the method of
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payment. When we click on the link, we're
then asked to log into our Chase account
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to authorize the payment. To show how
the app works, we made a small purchase
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at Starbucks. You basically launch the
Chase Pay app and select what card you
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want to use, and then the screen displays
a QR code. Once the QR code is read,
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your transaction is approved. It's pretty easy and
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seamless. So before you jump in and start
using Chase Pay, here are a couple things
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to keep in mind. Number 1: Chase Pay
doesn't work with business accounts and
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profiles. This really annoys me. I
basically had to rely on Fiona's phone
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to show you how it all works because I
couldn't get my Chase Pay app to activate.
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What I found out was that since I have
my business and personal profiles merged
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online, I'm unable to use Chase Pay. When
they combined my account,
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they basically moved all my personal
accounts into my business one, which
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means that the account registers as a
business profile. Chase customer support
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did offer to separate my accounts again,
but I decided against it because I like
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having that combined view. I don't know
why Chase isn't allowing their business
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accounts to use Chase Pay. Business account
users still can't use Apple Pay either
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on their Business Ink cards, so it
doesn't really make any sense. But I'm
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hoping they change it soon. Number 2:
Cashiers often mistake Chase Pay with
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Apple Pay or Android Pay. Don't be
surprised if you have to tell cashiers
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how to process your Chase Pay payments.
When we tried to use it,
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the cashier instructed us to hold the
phone next to the reader, like you would
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for Apple or Android Pay. We had to
insist that they scan the QR code. Once
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they did it worked, so just know that the
technology is still a bit new so you
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might have to explain how Chase Pay is
different than other payment platforms
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when making a purchase in store. Number
3: Check offers in the app. The Chase
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Pay app will show offers that you can
take advantage of, as well as local
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merchants that accept Chase Pay. Fiona noticed that she had a $10
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welcome offer loaded on her app for
using Chase Pay for the first time.
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Number 4: Redeeming points for gift
cards. While I don't recommend doing this
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since you can often get more value using
your points for travel, you do have the
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option of redeeming points toward gift
cards which can be then directly loaded
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into the app as an e-gift card. It looks
really convenient, but again, if you're
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trying to get the most value for your
points, I suggest redeeming them for
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travel. Number 5: If you have a Chase
Freedom Card, make sure you activate the
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bonus category. Chase has been offering a
5% bonus for Chase Pay this
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past quarter and continue to offer the
bonus from
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April to June 2018. If you have a Chase
Freedom Card, make sure you also activate
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the bonus category. If you need more
information, check out our video on the
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quarter two rotating bonus categories.
Have you used Chase Pay? If so, did you
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use it online or on the app? Please share
your experience below in the comment
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section. If you're interested in applying
for Chase cards or any other credit
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cards, please check out our credit cards
offers page. We've partnered with credit
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cards.com to link you to the latest credit
card offers. Trip Astute does get a
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commission if you use our link. It
doesn't cost you anything extra, but it's
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an easy way to support the channel and
help us to continue building content
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like this video. If you enjoyed this
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Until next time, travel safe and travel smart.
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