Chase Pay In 4℠ FAQs

Chase Pay in 4 is a loan product available to eligible Chase checking customers residing in the United States and its Territories. To use Pay in 4, you must:

• Be 18 years of age (19 in AL and NE, 21 in Puerto Rico)
• Be a Chase checking customer for a minimum of 6 months
• Have an active debit card and active Chase Online℠ or Chase Mobile^® app profile

Eligibility and access to Pay in 4 is at Chase’s sole discretion and may change based, in part, on your deposit account activity and balance, as well as your payment history with other Chase products.

The following aren’t eligible:

• Chase First Checking℠
• Chase High School Checking℠
• Chase Secure Checking℠
• Chase Business checking accounts
• J.P. Morgan Private Bank customers

Most Chase debit card purchases between $50.00 and $400.00 made within the last 7 days are eligible for Chase Pay in 4. Eligible debit card purchases have "Split into 4 payments" on purchase activity in your checking account on the Chase Mobile^® app or chase.com.

Keep in mind: In some cases, processing times may affect when purchases are eligible for Pay in 4. Certain debit card purchases, such as cash-like purchases and buy now, pay later payments to other providers aren’t eligible. Also, if you set up a Pay in 4 plan for a purchase that’s pending, you’ll usually see the Pay in 4 deposit post first, then the final purchase amount will post after.

Here are some reasons “Split into 4 payments” may not appear:

• Purchase(s) exceeded the 7-day eligibility criteria
• The purchase amount exceeds your available Pay in 4 amount
• The merchant captured your debit card purchase as multiple, individual purchases that were lower than $50.00
• The final purchase posted on your account was higher than the pending/pre-authorized amount

Keep in mind: From time to time, “Split into 4 payments” may not appear continuously. But don’t worry, if the purchase is still eligible, “Split into 4 payments” will re-appear and you can set up a Pay in 4.

You are unable to remove Pay in 4 purchases that are tagged as being Pay in 4 eligible. However, even if they appear on your Chase checking account, nothing will happen unless you take an action on them to enroll in the future.

Here are some of the more common reasons you may no longer have access to Chase Pay in 4:

• You missed a payment on an existing Pay in 4 plan
• You have other Chase loans, like credit cards, that are in default
• You no longer have a Chase checking account or your Chase checking account is overdrawn
• Other eligibility criteria may apply and you’re no longer eligible for the product

When a Chase Pay in 4 plan is set up, you’re provided a list of eligible Chase accounts from which payments can be made. Only the customer who sets up the Pay in 4 plan will be able to see the plan details and make payments on that plan. Using this account benefit is subject to individual eligibility, so it’s possible that not all joint account owners will be eligible to set up a Chase Pay in 4 plan.