CELER Merchants vs Chase
CELER Merchants is an independent agent, not a processor: we make the providers we work with compete for your account, and the service costs you $0. Chase is a payments provider, and it publishes some of its pricing. This page sets out what Chase says on its own site, where it is strong, and where an agent can help.
What Chase Payment Solutions is
Chase Payment Solutions is the merchant-services offering of JPMorgan Chase. Chase's fees page states that merchant services are provided by Paymentech, LLC and/or other subsidiaries of JPMorgan Chase Bank, N.A. Source: Chase merchant fees page, checked 1 Nov 2026.
Where Chase is strong
- One bank relationship. Chase describes one login for payments, banking, business analytics and payroll, and says deposits can arrive as soon as the same day. Source: Chase merchant services page.
- Hardware and software range. Chase lists a point-of-sale app, a card reader and a POS terminal, plus Tap to Pay on phone for mobile selling.
- Website payments. Chase offers a payment gateway for adding its processing to a website.
What CELER Merchants is
We do not process payments and we do not hold your money. We read your statement, name every fee (usually within 4 hours), then take your profile to the providers we work with and show you every offer that comes back. You choose. The provider you choose pays us, so the service costs you $0. CELER Merchants is an independent agent and referral partner, not a processor.
| Item | Chase | CELER Merchants |
|---|---|---|
| In person (tap, dip or swipe) | 2.6% + 10¢ | Quoted on your statement by the providers we work with |
| Keyed-in transactions or payment links | 3.5% + 10¢ | Quoted on your statement by the providers we work with |
| E-commerce | 2.9% + 25¢ | Quoted on your statement by the providers we work with |
| Monthly fees | Chase says monthly fees may apply to certain products and pricing plans | Quoted on your statement by the providers we work with |
| Hardware | Sold separately, at additional cost | Quoted on your statement by the providers we work with |
| Custom pricing | Chase says custom pricing, including interchange rate options, may be available based on processing volume | Quoted on your statement by the providers we work with |
| Who you can compare | One provider: Chase | Several, from the providers we work with |
| Cost of the service | You pay Chase's fees | $0 for our service; the provider you choose pays us |
Chase figures are taken from Chase merchant fees page as of 1 Nov 2026. Chase's own merchant services page shows 3.5% + 15¢ for keyed-in transactions while its fees page shows 3.5% + 10¢. We used the fees page; confirm the current figure with Chase before you decide. Prices change: check the provider's page and your own agreement before you decide.
Contract and equipment terms
Contract length, early termination, equipment lease and PCI fee terms were not published on the Chase pages we read.
Where an agent can help
- Reading what you pay today. Send a statement and we name every fee and work out your effective rate (total fees divided by total card volume).
- Shopping more than one provider. Chase will quote you Chase. We take the same statement to several providers and bring the offers back side by side.
- Negotiating and checking the paper. Rates, monthly fees, equipment terms and exit terms are what we ask for in writing before you sign.
Which fits you?
If Chase's published pricing and features suit your business, staying can be the right call. Compare the rate you see above with your own effective rate; the published rate is a starting point, not a quote for your account. Our statement analysis does that comparison for you, and the savings calculator gives a first estimate in about a minute. We are happy to tell you when your current pricing is already good.
See also: Chase alternatives · All processor comparisons · CELER vs Square
All trademarks belong to their owners. CELER Merchants is not affiliated with or endorsed by Chase Payment Solutions or JPMorgan Chase. Chase Payment Solutions is a registered trademark of JPMorgan Chase Bank, N.A. used by its subsidiaries.
Questions
As published on Chase's merchant fees page on 1 Nov 2026: 2.6% + 10¢ for tap, dip or swipe, 3.5% + 10¢ for keyed-in transactions or payment links, and 2.9% + 25¢ for e-commerce. Chase says monthly fees may apply to certain products and plans, and that hardware is sold separately. Check Chase's page for current rates.
It depends on your card mix, volume and average ticket. Send a recent statement and we name every fee, usually within 4 hours, then show you the offers providers make for your account. If Chase is already the better deal for you, we tell you so.
No. CELER Merchants is an independent agent and referral partner. We do not process payments or hold your funds; we compare offers from the providers we work with, and the provider you choose pays us.