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AllProPay vs Chase

An honest, side-by-side look using each provider's publicly published pricing. Chase Payment Solutions is backed by a major bank and funds fast. Here is where each one fits, and what you actually pay.

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Published rates and terms. Verify current pricing on each provider's site.

AllProPay vs Chase Payment Solutions, based on publicly published standard pricing as of June 2026.
 AllProPayChase Payment Solutions
Pricing modelThree programs: Dual Pricing, interchange-plus, or AllPro Rebate. We recommend the one that fits after going over your statement with you.Flat rate on the standard plan. Interchange-plus available for larger businesses on request.
Published in-person rateBased on your statement. We show you the number.2.6% + 10¢ per in-person card payment.
Keyed and online ratesSet by the program that fits your business. We show you the math.3.5% + 10¢ keyed or payment links; 2.9% + 25¢ ecommerce.
Can you see your true cost?Yes. Every fee is itemized.No. On the standard flat-rate plan the underlying interchange is blended in.
Contracts or cancellation feesNone.A merchant agreement is typical, so an early termination fee may apply. Verify your agreement.
Free review of your current feesYes, no obligation.Not offered.
SupportA real person who knows your account.Bank support channels. One relationship if you already bank with Chase.
Best forOwner-operated businesses taking payments in person and online.Businesses that already bank with Chase and want fast funding and one banking relationship.
SetupWe set it up and help you switch with no downtime.Set up through Chase; same-day deposits to a Chase business account at no extra cost.

When Chase is the right call

Chase Payment Solutions is genuinely strong if you already bank with Chase and want one relationship for banking and payments. Same-day deposits to a Chase business account come at no extra cost, the funding is fast, and the bank backing is real. If that convenience matters most to you, Chase may be the right fit, and we’ll tell you so.

Where AllProPay fits better

The bank relationship and fast funding are real conveniences, but the standard plan is flat rate and often comes with a contract, so cheap cards get billed at the same high price as expensive ones and you can’t see the difference. AllProPay is independent, has no contracts or cancellation fees, offers Dual Pricing, interchange-plus, or AllPro Rebate, whichever fits your business, and gives you a person who knows your account.

One $100 debit tap, two receipts: $2.70 with Chase's published rate vs $0.77 with AllProPay interchange-plus Two receipts for the same $100 debit card tap, headed by the comparison $2.70 vs $0.77. Chase's published in-person rate of 2.6% plus 10 cents gives a $2.70 processing fee, the same fee a premium rewards card would pay. The AllProPay receipt lists the sale of $100.00, debit, tapped; the card cost for a big-bank debit card, $0.27; our markup at an example 0.50%, $0.50; and a fee on this sale of $0.77. Example: a debit card from a large bank, where the Federal Reserve caps the card cost at 21 cents plus 0.05% plus 1 cent. Cards from smaller banks cost more. Your markup is on your proposal. Illustration, not a quote. Chase 2.6% + 10¢ $2.70 2.6% of $100 is $2.60, plus 10¢ Published standard pricing as of June 2026. $0.27 Our markup (example 0.50%) $0.50 $0.77 27¢ card cost, plus 50¢ markup ONE $100 DEBIT TAP Same sale, same everyday debit card. Two ways to price it. vs Fee on the same $100 debit tap Published flat rate vs interchange-plus, with an example markup. FLAT RATE Published in-person rate Sale $100.00 Card Debit, tapped Rate Processing fee The same fee a premium rewards card would pay. INTERCHANGE-PLUS AllProPay Follows the real cost of each card Sale (debit, tapped) $100.00 Card cost (interchange, big-bank debit) Fee on this sale A rewards card costs more. You see how much. SAME FEE, ANY CARD Debit costs less to accept A flat rate charges the same price on a cheap debit card as on a premium rewards card, so you cannot see what you actually pay. It depends on your card mix and how you sell. Interchange-plus shows you the true card-brand cost plus a clear, fixed markup. Verify current pricing on each provider's site. AllProPay side: illustration, not a quote. Example: a debit card from a large bank, where the Federal Reserve caps the card cost at 21¢ + 0.05% + 1¢. Cards from smaller banks cost more. Your markup is on your proposal. Illustration, not a quote. LEGEND One flat rate, every card Real cost of the card, set by the banks Fixed markup, the part you compare

Common questions

Is AllProPay cheaper than Chase Payment Solutions?
It depends on your card mix and how you sell. Chase's standard plan is flat rate, around 2.6% + 10 cents in person, so it blends the underlying cost and you can’t see what you actually pay. AllProPay offers Dual Pricing, interchange-plus, or AllPro Rebate, whichever fits your business, and shows you the math on your statement. The honest way to know is a free statement review of your current fees.
Does Chase lock you into a contract?
Chase typically has businesses sign a merchant agreement, so an early termination fee may apply. Check your own agreement to be sure. AllProPay has no contracts and no cancellation fees, so you’re never locked in.
Should I use Chase if I already bank with Chase?
If fast funding to a Chase business account and one banking relationship matter most, Chase is a reasonable choice and we’ll tell you so. If you want to see your true cost with no contract and a person who knows your account, AllProPay is often a better fit, with Dual Pricing, interchange-plus, or AllPro Rebate, whichever suits your business. Pricing changes, so verify current rates.

The honest way to compare

Send us one recent statement. We’ll show you exactly what you pay now and whether switching makes sense. If it doesn’t, we’ll tell you that too.

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