# Paydude vs Chase Payment Solutions: Fee Calculator

URL: https://www.paydude.io/resources/tools/paydude-vs-chase-payment-solutions-fee-calculator
Type: Free interactive calculator
Summary: Compare Chase Payment Solutions's published rate against Paydude tier pricing at your own volume and average transaction size.

Both sliders matter. Volume decides which Paydude tier applies; ticket size decides how much the fixed per-transaction fee costs you, which is where Chase Payment Solutions and Paydude differ most.

## Summary

Chase Payment Solutions publishes 2.9% + 25¢ for domestic cards. Paydude starts at 2.6% + 25¢ and improves automatically with volume. Chase offers same-day deposits to merchants holding a Chase business checking account, which is unusual. Compare on effective rate at your own ticket size, not on headline percentages.

## Published rates

**Standard published rates for domestic cards, September 2026**

|  | Paydude | Chase Payment Solutions |
| --- | --- | --- |
| Card rate | 2.6% (falling to 2.5%) | 2.9% |
| Fixed fee | 25¢ (falling to 15¢) | 25¢ |
| Monthly fee | $0 | $0 |
| Subscriptions | No extra percentage | Priced separately |
| International cards | No surcharge | Surcharged |
| Amex and premium cards | +0.3% | Passed through |
| Chargeback fee | $12 | $15–$25 typical |

> **Verify before deciding:** These are published list prices as of September 2026. Rates change, and Chase Payment Solutions may quote you something different. If you already process payments, your own statement is a better source than any published figure.

## Where Chase Payment Solutions wins

You already bank with Chase and same-day settlement matters to your cash flow. That timing advantage can be worth more than a few basis points.

## Where Paydude wins

Lower base rate, no international surcharge, and payouts you choose per payout rather than per account.

Card mix changes this comparison more than the headline rate does. The [overpayment calculator](https://www.paydude.io/resources/tools/how-much-are-you-overpaying-calculator) models Amex, premium and international share, and reports the point at which Paydude stops being cheaper.

**See the full rate card** Every tier and every situational fee, published up front. — [View pricing](https://www.paydude.io/pricing)

## Frequently asked questions

### Is Paydude cheaper than Chase Payment Solutions?

On published base rates for domestic cards, Paydude starts at 2.6% + 25¢ against Chase Payment Solutions's 2.9% + 25¢. Whether that is cheaper for you depends on card mix: Paydude surcharges Amex and premium cards at +0.3% but does not surcharge international cards, where most providers add 1–1.5%.

### When should I choose Chase Payment Solutions?

You already bank with Chase and same-day settlement matters to your cash flow. That timing advantage can be worth more than a few basis points.

### Can I switch from Chase Payment Solutions to Paydude?

Switching means migrating stored payment tokens, which are specific to the provider that issued them. Most major providers will run a PCI-compliant migration of the underlying card data. Confirm that path exists before committing — it is the main technical obstacle to any processor change.

### Where do these rates come from?

Both figures are publicly published standard rates for domestic card payments as of September 2026. Neither is a negotiated or promotional rate, and Chase Payment Solutions may quote you something different from its list price.