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Work out exactly what Chase Payment Solutions costs you at your volume and average transaction size.
Chase offers different rates for online and in-person payments, with same-day deposits for Chase business account holders. Drag both sliders — ticket size changes the answer as much as volume does, because the fixed per-transaction fee is a much bigger share of a small sale.
Ticket size matters as much as volume: the fixed per-transaction fee is what makes small payments expensive.
At $25, the flat $0.25 adds 1.00% on top of the 2.90% headline rate — which is why the effective rate is 3.90%, not 2.90%.
Chase Payment Solutions effective rate by ticket size
For comparison
Chase Payment Solutions prices online and card-present transactions differently, with the online rate shown here. Merchants holding a Chase business checking account can receive same-day deposits, which is unusual among the major providers.
| Component | Cost |
|---|---|
| Percentage of each transaction | 2.9% |
| Fixed fee per transaction | 25¢ |
A percentage takes the same share of every sale. A fixed fee does not — 25¢ is the same amount on a $5 charge as on a $500 one, so it costs a hundred times more of the small one proportionally.
| Average transaction | Fee | Effective rate |
|---|---|---|
| $5 | $.40 | 7.90% |
| $10 | $.54 | 5.40% |
| $25 | $.98 | 3.90% |
| $50 | $1.70 | 3.40% |
| $100 | $3.15 | 3.15% |
| $250 | $7.50 | 3.00% |
Chase suits businesses already banking with Chase, where same-day settlement and a single relationship carry real cash-flow value.
For your real blended number across all of those, run one month of statements through the effective rate calculator. To see every provider side by side, use the payment processor fee comparison.
GOOD QUESTIONS
Chase Payment Solutions advertises 2.9% for standard domestic card payments. What you actually pay is higher, because the fixed fee is a larger share of small transactions — at a $10 ticket the effective rate is 5.40%.
Because of the fixed 25¢ per transaction. The percentage is the same on every sale, but the flat fee is a much bigger proportion of a small one. Divide your total monthly fees by your total volume to see the real figure.
Not on the standard plan priced here. Some Chase Payment Solutions products and add-ons carry their own monthly costs, so check the plan you are actually on.
Compare effective rates at your own average ticket size, not headline percentages. A provider with a lower percentage and a higher fixed fee can easily cost more if your transactions are small. The payment processor fee comparison table puts every provider side by side at three ticket sizes.