How do you use Chase Pay in-store?

Recently, there have been some terrific Chase Pay promotions, a couple of which have been available in-store only (see Chase Pay: 10x at Best Buy up to $400 per card (now expired), and the Chase Pay Shop Rite offer, which is still active through February 4th. As these in-store Chase Pay promos have come around, some readers have asked how do you use Chase Pay in-store?

Chase Pay at ShopRite

The process is actually pretty easy. First, you need to download the Chase Pay app (for Apple here or Android here). When you pull up and log into the app (which may require a security text message or email code), you can then select a card with which to pay. This is a key step — your Chase cards are at the bottom of the screen. Make sure you choose the card with which you’d like to pay before having the cashier scan the QR code.

Don’t forget to use the menu at the bottom to slide left or right through your Chase cards to pick the one you want.

Once you’ve done that, the final step is getting the cashier to scan the QR code. Ironically, this might be the most challenging step in the process. Over the holidays, I used Chase Pay in-store at Best Buy and Starbucks. At Best Buy, I showed the cashier the QR code on the phone. He motioned to me to touch my phone to the payment terminal. When I said that he should scan the QR code, he insisted that I touch my phone to the terminal. Not wanting to activate Android Pay, I held firm that he should scan it. He looked at me like I had eight heads, but there was a long line, so he humored me and scanned my QR code using the same scanner gun that he had used to ring up my purchases. The payment terminal then showed “approved” and a balance due of $0.00. He shrugged with surprise and gave me my receipt.

At Starbucks, I expected this would be easier. People pay via the Starbucks app all the time, which requires using the Starbucks scanner (conveniently located on the customer side of the cash register for just this purpose) to scan a gift card barcode in the app. As soon as the cashier saw my phone screen was not showing the Starbucks app, she began insisting that I touch my phone to the payment terminal. I politely stood my ground, telling her that I’m pretty sure I just need to scan the QR code and insisting that she just let me try it. I couldn’t get a good angle on it because of how the scanner was positioned, so I picked up the scanner. At that point, her eyes lit up and she started to reach for the scanner when….bleep. Payment went through.

In both instances, the cashiers were totally unaware of how Chase Pay worked and equally surprised when scanning the QR code authorized payment. Moral of the story: don’t give up and don’t be surprised when the cashier thinks you’re a nutcase.

About Nick Reyes

Nick Reyes is a (fairly) regular guy with an animalistic passion for maximizing the value of miles and money to travel the world in comfort and style. There is little in life that he loves more than finding a fantastic deal and helping you shop smarter & harder to achieve your travel dreams.

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  1. I used Chase Pay during the Best Buy promo and both the cashier and I were very impressed that it just worked. He thought I had a coupon at first when I pulled out my phone but he scanned it and it just went through his system. By the time the receipt started printing I got confirmation in the app that it also went through.

  2. any tips on getting chase pay to work? i can’t get beyond the verification. IT has to send me a code, but it can’t/won’t bc my account has a business/personal cc in one profile which doesn’t make any sense. my friend has both a biz and personal on his profile and can login fine with chase pay. won’t work for me for some reason.

    • I don’t think it has anything to do with business/ personal cc in one profile. I have the same set up and have used Chase Pay successfully numerous times.

      • yep exactly. my friend is the same as you and can login fine. chase has no idea what they’re talking about. what’s new… guess i won’t be using chase pay.

    • I had the same issue…check the phone number they have to send your code to as it may be incorrect…I had to call Chase and be redirected to get the number updated…took 20min but once the phone updated, I was able to finally log in …now how to get these cashiers to stop looking at me like I’m stupid when I show a QR code for payment

      • thanks rv! i hope this is the answer! what number did you call chase to check to see if the number is correct? they wouldn’t even confirm the number with me when i asked. i called 3x =(

        • Call the number on the back of your card, doesn’t matter which card cuz they transferred me to someone else…I had to reiterate the phone# Chase had for me for their code for ChasePay setup was wrong phone# (i didn’t even recognize the last four digits for the two phone#s they showed when the window screen pops up to send code via text for ChasePay login setup)…once i made this clear, the rep (from diff dpt than who originally answered the call, not sure what dpt it was though) took care of it but call lasted 20min…so if u are signing up for ChasePay & u don’t recognize the last 4 digits on the popup screen for sending code, then call any Chase Cust Svc and tell them you’re trying to sign up for ChasePay but the phone#s they have are wrong and you’d like to update them so u can complete signup process…if the phone#s are correct on the popup screen to begin with, then that’s a diff issue that I didn’t have.

  3. Best Buy people looked at me weird doing one of my two uses of this. One exclaimed, “What a time to be alive.”

    Is there a list of where Chase Pay works? I feel like nowhere around me advertises these mobile payments.

  4. I had the same issue and Chase support kept immediately trying to send me to business support, and neither had any idea. I ended up using my personal only login to get Chase Pay to work and so far so good.

    • thanks cliff, hmmm my login is for both my personal and biz so i only have one login =( i will try rv’s method above and hope that works!

  5. Interesting Chase Pay worked in Starbucks Store. Last I heard it was in-app only for reloads. You lost out on earning stars by not routing the purchase through a Starbucks Card.

    For Best Buy just an FYI that you can’t split tender multiple Chase Pay in a single transaction. It will error out when you try to scan the second barcode. You can split multiple credit cards (swiped/NFC/chip) and also use a single Chase Pay.

    • Good to know about split tender.

      I only missed out on Stars for the coffee I bought with the gift card at Starbucks. I was testing to see if I could get the Chase Offer for Starbucks (10% back) to trigger if I checked out using Chase Pay in order to be prepared for future double-dipping opportunities. It worked. I then added the gift card to my Starbucks account to pick up some Stars next time. I don’t live close enough to Starbucks to go often enough to get too caught up in the loyalty program, but everybody likes a star now and then.

  6. Anyone tried Chase Pay checkout in store at Walmart yet? Especially if you can do it during self checkout, it would be good to avoid having to argue with the cashier…

    • It doesn’t work in-store at Walmart. Only at to my knowledge. Walmart has their own mobile payment app — Walmart Pay. For the record, it won’t let you use Walmart Pay to pay for gift cards….or at least not in the quantity I tried.

      • Good call Nick, I noticed the Chase Pay only lists Best Buy and Starbucks. At some point I read an old article saying Chase Pay will be accepted online and in-store at Walmart. Maybe they haven’t rolled it out yet

  7. Thanks for this article. I was trying to take advantage of the Wal-Mart 10x last month and went to 4 different stores and everyone insisted that they did not accept Chase Pay. Little did I know that they just needed to scan the card. Now I know and can take advantage of future deals.

  8. At both Best Buy and Shoprite I had to explain to the cashier how that it wasn’t apple pay and they needed to scan my phone.

    Also, be careful at Shoprite. Using a CSR is only showing as 1x rewards, and an SM got a canned response that it might take a few weeks to show up.

  9. Are there any issues buying gift cards with this? I thought I read in other threads that Chase seems to be more sensitive to gift card purchases even with merchants that wouldn’t be providing Level 3 information. So is it OK at ShopRite? Or does ShopRite not even allow gift card purchases with CC? I haven’t tried, but have a ShopRite that’s real close.

    • I haven’t used this promo, but I did buy a couple of gift cards successfully with an Amex Offer last month. That said, it did require a manager’s key to buy one $200 VGC. In fact, I think it required a manager for $75 in third-party GCs. My impression is that the manager at the store I visited wouldn’t have let me scan my phone to pay with Chase Pay. But I doubt that’s any sort of company policy – she just seemed grumpy to me.

      As for Chase being more sensitive about gift card purchases, I’m not sure what you mean exactly. Greg recently wrote about how Chase Offers (on the Marriott and Slate cards) aren’t always posting when people buy gift cards:

      And I recently wrote about a Chase Financial Review on my wife’s account after opening multiple accounts and buying gift cards. In that case, it was likely the combination of the new accounts and number of gift card purchases.

      In general, I don’t know that Chase is sensitive on gift card purchases. In fact, I think most would say the opposite. You just probably shouldn’t go from $0 in GC purchases to buying $10K at once. If you’re spending a couple hundred bucks at Shop Rite one time, I wouldn’t expect that to be an issue.

      • Thank you for your response. I couldn’t remember where I read it, but after you reminded me of Greg’s post regarding Chase Offers that triggered my memory. One reader mentioned being denied and attributed it do a purchase ending in $XX.00 looking too much like a gift card purchase. AmEx never cares, but if Chase is looking at transactions based on dollar value and auto-denying purchases ending in $XX.00 or $XX.95 perhaps, I’d be inclined to stay away.

  10. I had no problem using my qualified Chase cards for Chase Pay using my phone. Since DH does not like to bother with deals like this, I had to ask for Chase intervention for them to send a code to my phone so he can log in with his userID and PW so I can also use his Chase cards for Chase Pay in-store. We couldn’t make it work on our own until Chase rep intervened. Now I can switch from my Chase log in to DH’s log in so I can do CP for both of us. BBY is the only b&m store I’ve use and worked flawlessly.

  11. I tried using Chase Pay at Kroger last weekend to take advantage of the Chase Freedom’s current 5% rotating category that includes Chase Pay as a trigger.

    The cashier tried scanning the QR code about 4 times and also told me to touch the screen to the terminal. None of the tries worked. I contacted Chase and they just told me to call them on-site if it happens again. I am NOT going to do that and hold up a line. Ridiculous response IMO.

    But I am curious if anyone has any ideas as to why the QR code would not work? I do want to take advantage of the 5% back this quarter with Chase Pay as much as possible.


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