Chase Paymentech

Name

Chase Paymentech

Legal name

Paymentech, LLC

Website

https://merchantservices.chase.com

Company type

Public

Founded year

1990

Operating status

Operating

Headcount range

5,001–10,000 employees

Ownership category

akta.pro rank

Product category

Merchant Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Card-Present Acquirers (Retail & POS Focus) (FSAMABAC)

akta.pro secondary industries

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF), Merchant & Commercial Acquiring (POS/eCommerce acquiring for corporates) (FSABAIAH)

Keywords

• Merchant payment processing
• Credit card processing
• POS systems
• Payment gateway services
• Fraud protection tools

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D, Operations, Personnel, Infrastructure, Marketing or Sales

Revenue model

1. Payment Processing Transaction Fees: Chase earns percentage-based transaction fees on every payment processed. Fees vary by payment method: tap/dip/swipe transactions cost 2.6% + $0.10; manually keyed or payment link transactions cost 3.5% + $0.15; online orders cost 2.9% + $0.25. This is the primary revenue stream and scales directly with payment volume.
2. Hardware Sales: Revenue generated from sale of POS terminals, card readers, and standalone payment devices to merchants. The Chase POS Terminal and Chase Card Reader are available for purchase.
3. Banking Account Revenue: Cross-selling of Chase Business Complete Banking accounts, where merchants who process over $2,000/month in payments can have the $15 monthly service fee waived, creating incentive for higher payment volume and deeper banking relationships.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Chase Paymentech (legal entity Paymentech, LLC) is a subsidiary of JPMorgan Chase Bank, N.A. that provides merchant payment processing services under the Chase Payment Solutions brand. It enables businesses to accept card and electronic payments through payment processing infrastructure, point-of-sale (POS) systems, and related fraud and risk management tools. The company serves small and mid-sized businesses across the United States, primarily from its Dallas, Texas headquarters.

Product overview

Chase Payment Solutions is a comprehensive merchant services platform offered by JPMorgan Chase & Co., providing two product families to serve merchants at different complexity levels. For simple payment needs, the QuickAccept suite (Chase POS app, Chase Card Reader, Chase POS Terminal) is built into Chase Business Complete Banking, offering essential features for accepting payments, managing sales, and tracking invoices with same-day deposits. For sophisticated needs, Chase offers standalone products and third-party integrations including Authorize.net, TouchBistro, and Silver Essentials by NCR Voyix, enabling multi-location merchants and those requiring existing software integration. The platform supports in-store, on-the-go (via Tap to Pay on iPhone/Android), and online payment acceptance through its payment gateway. Additional services include invoicing, payroll integration, Fraud Protection Services, and business analytics. Pricing varies by transaction type: 2.6% + 10 cents for tap/dip/swipe, 3.5% + 15 cents for keyed transactions/payment links, and 2.9% + 25 cents for online orders.

Differentiator

Problem solved

Functional benefit

Brands

• QuickAccept: Point-of-sale solutions built into Chase Business Complete Banking account for accepting card payments
• Chase POS Terminal
• Chase Card Reader
• Chase POS App
• Tap to Pay on iPhone

Products and services

• Chase Payment Solutions
• POS Systems
• Fraud Protection Tools

Quantifiable outcome

• $2T+ in payments processed in 2025
• +2 more outcomes

Named customers1 record

Segments7 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• TouchBistrocoreTechnology or IntegrationTouchBistro is a restaurant POS software platform integrated with Chase Payment Solutions for merchants with restaurant-specific payment processing needs. This integration enables restaurants to use TouchBistro's restaurant management features while processing payments through Chase.
• Silver Essentials by NCR VoyixcoreTechnology or IntegrationSilver Essentials by NCR Voyix provides POS software integration with Chase Payment Solutions for multi-location merchants requiring sophisticated payment orchestration and existing software integration.
• Authorize.netcoreTechnology or IntegrationAuthorize.net is a payment gateway integrated with Chase Payment Solutions, enabling merchants to accept payments online and set up recurring billing through a virtual terminal.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Block (Square): Block's Square segment is a direct competitor to Chase Payment Solutions, providing card-present processing, POS hardware (Square Reader, Square Terminal), Tap to Pay on iPhone, and integrated banking via Square Checking. Targets similar small business segments with transaction-based pricing models.
• Stripe: Stripe is a direct peer primarily in card-not-present / e-commerce processing through its payment gateway and Connect platform. Overlaps with Chase's online payments, Authorize.net integration, and marketplace-style sub-merchant onboarding for sellers.
• Fiserv (Clover): Fiserv, via Clover, is one of the largest U.S. merchant acquirers and SMB POS platforms, processing hundreds of billions in payments annually. Directly comparable in processing volume and SMB focus, with Clover competing against Chase POS System and QuickAccept.
• Global Payments: Global Payments is a major U.S. merchant acquirer and integrated payments technology provider formed through the merger of Global Payments and Worldpay. Competes with Chase in SMB acquiring, gateway, and POS-adjacent software.
• Adyen: Adyen is a global payment processor with unified online, in-store, and marketplace acquiring. While more enterprise-focused, it competes with Chase in multi-location and omnichannel processing and offers a software-led POS model comparable to Chase's approach.
• PayPal (Zettle): PayPal competes in merchant acquiring and SMB POS via its Zettle product line. Overlaps with Chase in e-commerce gateway (Braintree), in-person card acceptance, and Tap to Pay offerings.
• Worldpay (Fiserv): Worldpay, now part of Fiserv, is a top-tier U.S. and global acquirer processing over $2T annually. Competes head-to-head with Chase in SMB card-present, e-commerce, and multi-location acquiring.

Emerging players

• Toast: Toast is a restaurant-specific POS and payments platform that accepts card payments and operates as a PayFac. Competes against Chase's restaurant vertical offering and is integrated with TouchBistro, which is one of Chase's POS partners.
• Helcim: Helcim is a Canadian-headquartered SMB payments processor with interchange-plus pricing and integrated banking-like features (Helcim Business Account). It is comparable to Chase in serving multi-vertical small merchants and competes in the U.S. and Canada.
• Stax by Fattmerchant: Stax is a SaaS-style subscription payment processor targeting small and mid-market merchants with transparent pricing. It overlaps with Chase's complex / mid-market merchant offering and competes on pricing transparency and integrated software features.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/ChasePaymentech
• YouTubeyoutube.com/chase
• Facebookfacebook.com/chase
• LinkedInlinkedin.com/company/5387
• Instagraminstagram.com/chase
• Pinterestpinterest.com/chase

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Chase Paymentech