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How to use Chase Pay Over Time℠ with a business credit card

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    Quick insights

    • Chase Pay Over Time allows buyers to pay off an eligible purchase in equal installments over a set period of time.
    • This "buy now, pay later" product allows both individuals and businesses to break up eligible larger purchases.
    • Chase Pay Over Time plans have a fixed monthly fee.

    As a business owner, you may need to invest in your business to support its growth. That could mean upgrading technology, renting office space or spending money on travel. But if you're a small business owner, it may be hard to pay off these investments immediately.

    With Chase Pay Over Time, you can break up eligible larger purchases into more manageable payments split evenly across a set number of months. Read on to learn how to use Pay Over Time with your Chase business card, and how it can be useful for your business.

    What is Chase Pay Over Time?

    Chase Pay Over Time is a feature available on select Chase credit cards and allows cardmembers to pay off eligible purchases over $100 in equal monthly installments.

    Cardmembers will pay a set monthly fee. No credit check is needed and cardmembers will still earn their typical credit card rewards on the original purchase amount. Plans range from 3-24 months.

    Benefits of using Chase Pay Over Time for business purchases

    Businesses have ever-changing needs and it's not always feasible to pay off larger purchases right away. One main benefit of using Chase Pay Over Time for business purchases is the ability to pay off larger purchases over a period of time.

    Additional benefits of Pay Over Time include:

    • Fixed, equal monthly payments.
    • No penalty if you pay off your plan early.
    • You'll still earn your usual credit card rewards on the original purchase amount.
    • You can have up to 10 active plans on a single credit card account.
    • It's available on some Chase credit cards, including some Chase Ink small business credit cards.

    Note that you'll need to pay at least the minimum monthly payment each billing cycle to pay off your plan on time. Late payments may result in additional fees.

    Can I use Chase Pay Over Time with my business credit card?

    Yes, Chase Pay Over Time is available on certain Chase business credit cards. Whether you're using Pay Over Time on a business or personal credit card, the process is the same.

    Review all our business credit card options if you're still deciding on the right one for your business.

    How to activate Chase Pay Over Time

    Business owners can use the Pay Over Time after purchase feature to start a plan. After making an eligible purchase:

    • Sign into your account on Chase.com or on the Chase Mobile® app.
    • Choose "Pay Over Time" next to eligible purchases of $100 or more.
    • Select a plan duration (the length of the plan will affect how much your monthly payments are).
    • Pay for your purchase over time with just a fixed monthly fee.

    There's no need to make separate payments after you create your plan; the monthly plan payment will be added to your minimum payment due each billing cycle. If you pay at least the minimum payment each billing cycle, you'll pay off the balance on time.

    In summary

    Using a business credit card can be a great way to access a stable line of credit for business purchases—and Chase Pay Over Time may provide you with flexibility for larger purchases and investments. Learn more about the benefits of business credit cards to see if applying for one is the right choice for you.

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