how to find credit card account number chase

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How to close a Chase account

Before you close a Chase credit card, you should think long and hard about why you’re considering this move. In the meantime, you should also look into the alternative steps you could take that could change up your credit game for a goal (i.e., avoiding an annual fee) without all the downsides that come with closing your account completely.

While ditching your card might ultimately make sense, the Chase 5/24 rule and other limitations from Chase can make getting a rewards credit card you’ve had in the past much more difficult if you change your mind.

This guide aims to explain how to close a Chase credit card account, as well as some alternate steps you could take instead.

How to close a Chase credit card

Chase doesn’t make it difficult to close your credit card account if that’s what you really want to do. Here are the steps you can take to close down your credit card account altogether.

Call Chase

If you’re wondering how to close a Chase account over the phone, you can begin the process by calling the customer service number on the back of your credit card. Once you get a customer service representative ready to assist you, let them know you want to close your credit card account altogether. While you’re on the phone, you’ll need to share information like your ZIP code, name and account number to prove your identity.

If you don’t want to call the number on the back of your Chase credit card, you can also reach Chase customer service at 1 (800) 432-3117.

Cancel your card online

Chase doesn’t offer an online chat feature like American Express does, but they do offer a secure way for you to contact them online. If you bank or manage your credit card account using Chase.com, you can ask Chase to cancel your card through their secure messaging system.

You’ll have to log into your Chase online account management page to do so. From there, head to your “secure messages” from the drop-down menu on the left side of the screen. Then, select the option that says “I have a question about one of my accounts.”Screenshot of Chase's Q&A portal

At that point, you’ll select the credit card account number for the card you want to close and write a simple message stating you want your account closed and can provide additional information if necessary.

Send a letter in the mail

You can also send a letter to Chase in the mail, which may make sense if you don’t manage your account online or feel like calling in to speak to someone. In your letter, you’ll want to include your name, account number, address and a brief message that says you want your Chase credit card account closed right away.

If you are wondering how to close a Chase credit card via snail mail, you can use the following address:

National Bank By Mail
P.O. Box 6185
Westerville, OH 43086

Does closing a Chase credit card affect your credit score?

Due to the way credit scores are determined, closing a credit card account can hurt your credit score—even if the card is rarely used. There are two main reasons this is true.

First, closing a credit card account shortens the average length of your credit history, which is used to make up 15 percent of your FICO score. Second, and most importantly, closing a credit card can reduce the amount of open credit you have and raise your credit utilization considerably.

Since this factor makes up 30 percent of your FICO score, raising your credit utilization rate through account closure should be your biggest concern. But, how would this factor come into play?

Imagine for a moment you currently have two credit cards—a Chase credit card and a Citi credit card. Each one has a limit of $10,000, so your total credit is $20,000.

Now imagine you just paid off the balance on your Chase credit card, but you still have $4,000 in debt on your Citi credit card. At this moment in time, your credit utilization rate is 20 percent since you owe $4,000 with a total credit limit of $20,000. However, closing your Chase credit card would leave you owing $4,000 in debt across $10,000 in total credit limits, so your credit utilization rate would increase to 40 percent overnight.

Options to consider before canceling your Chase credit card

If you are worried about damaging your credit score or you don’t necessarily want to ditch your Chase credit card altogether, there are a few smart options to consider:

Ask for Chase to waive the annual fee

If you are canceling your credit card because you don’t want to pay an annual fee, keep in mind that you can always call Chase and ask them to waive the fee. They may or may not approve your request, but the worst they can do is say “no.”

Request a product change

You can also request a product change from one Chase credit card to another, a popular move among those who want to avoid paying high annual fees on rewards credit cards from Chase.

For example, you could call and ask to switch from the Chase Sapphire Reserve® with its $550 annual fee to the Chase Sapphire Preferred® Card with its $95 annual fee. This would let you save hundreds of dollars per year, yet you could continue earning points for travel in the Chase Ultimate Rewards program.

You could even product change to a cash back credit card with no annual fee, such as the Chase Freedom Unlimited®.

Safely store your credit card

Also, remember that you don’t have to close your credit card just because you don’t want to use it. You can store your card in a safe or a sock drawer, and you don’t have to get it out unless you really want to.

By keeping your credit card open without any activity, the account is still helping to lengthen your average credit history.

Closing a Chase credit card: FAQ

Can I close a Chase credit card with an outstanding balance?

You can cancel a credit card with an outstanding balance. However, you will still have to repay your remaining balance based on your credit card’s current terms and conditions.

Will Chase still charge me interest on a closed account?

Chase will still charge interest on remaining balances even after you close your credit card account. If they are going to raise your interest rate, they are required to give you 45 days of notice before they do.

Can you reopen a closed chase credit card account?

You cannot reopen a closed Chase credit card account, but you can apply for another Chase credit card or the one you had before. Just remember that Chase has rules that limit who can and cannot get their credit cards or earn a sign-up bonus.

For starters, the Chase 5/24 rule says you cannot get approved for a Chase card if you have had five or more credit cards within the last 24 months. Further, Chase has specific rules that govern their families of cards. If you read the fine print on the Chase Sapphire Reserve®, for example, you’ll notice it says:

“The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products.”

The bottom line

Closing a credit card can sometimes be the right move, but there are definitely situations where you’re better off switching products or stashing your card away in a sock drawer. Make sure you consider all the options, as well as potential consequences you’ll face if you close your Chase card account for good.

There’s no real “right” or “wrong” answer that applies to everyone, but you should make an informed decision.

Источник: https://www.bankrate.com/finance/credit-cards/how-to-close-chase-account/

How to Find My Account Numbers to Chase Bank

If you have a checking account with Chase Bank, you can find your account number online or on your checks or deposit slips. If you have a credit card account, you can find your account number online or on your credit card itself.

How to Find My Account Numbers to Chase Bank

Image Credit: max-kegfire/iStock/GettyImages

Finding Checking Account Numbers

If you have a checking account from Chase Bank or any other bank, and you have checks that came with your account, the account number will be printed on the bottom of the checks. There will also be a routing number provided, and you can use the two numbers to make deposits and withdrawals.

Your account number will generally also be printed on your bank statements. If you don't have a checkbook or paper statement handy, but you use online banking, you can look at your statements online to find the number.

Remember that if you have a debit card associated with your account, the number printed on the debit card is not the same as your checking account number. You can, however, still use your debit card number and PIN to access information about your account over the phone if you don't have your account number handy. You can also call Chase to inquire about your account number, though it is likely the bank will need other information to verify you're actually the account holder.

Keep your checking account and debit card numbers, as well as other information like your debit card expiration date, secure, because they could allow someone to access your account and even place fraudulent charges.

If you're in the process of applying for a Chase account, you can contact the bank for an application number until you get your checks, first statement or debit card.

Finding Credit Card Numbers

If you have a Chase credit card, you can find your account number directly on your card, along with other information you may need to make online or over-the-phone purchases like the card's expiration date and the security code. Of course, be sure to keep this information safe, because it can be used to make purchases in your name. You can access additional information about your credit card spending, billing and the terms of your plan, including interest rates, through Chase's website or by calling the number on the back of your credit card.

Lost or Stolen Cards

If you are unable to find your account number or information because your credit or debit card has been stolen, contact Chase immediately to have the card suspended and replaced.

Источник: https://www.sapling.com/5822374/account-numbers-chase-bank

Are you trying to find your Chase Bank ABA Routing Number?

If so, you’re in the right place – JPMorgan Chase Bank (FDIC #628) has over 5,000 locations and it’s important that you remember where you opened your account.

(funny aside, if you’ve ever looked at your credit report and saw “JPMCB Card Services” listed – it’s J.P. Morgan Chase Bank!)

Your ABA routing number will be based on the state in which you opened your account. It’s not where you live now.

Don’t remember exactly where you may have opened it? No problem, we can help you find it out using one of these three ways:

  • Look up your routing number by state (if you remember)
  • Look for your routing number on your personal checks (if you have one available)
  • Call Chase Bank customer service and ask them for your routing number

Chase Bank Routing Number by State

If you remember, then you’re in luck because Chase has the simplest set of ABA numbers of all the major banks:

Chase Bank LocationRouting/Transit Number
Alabama065400137
Arizona122100024
Arkansas044000037
California322271627
Colorado102001017
Connecticut021100361
Delaware083000137
Florida267084131
Georgia061092387
Idaho325070760
Illinois071000013
Indiana074000010
Iowa075000019
Kansas103000648
Kentucky083000137
Louisiana065400137
Maine083000137
Maryland044000037
Massachusetts021000021
Michigan072000326
Minnesota075000019
Mississippi044000037
Missouri103000648
Montana044000037
Nebraska103000648
Nevada322271627
New Hampshire083000137
New Jersey021202337
New Mexico044000037
Chase Bank LocationRouting/Transit Number
New York – Downstate021000021
New York – Upstate022300173
North Carolina072000326
North Dakota044000037
Ohio044000037
Oklahoma103000648
Oregon325070760
Pennsylvania083000137
Rhode Island083000137
South Carolina072000326
South Dakota044000037
Tennessee065400137
Texas111000614
Utah124001545
Vermont083000137
Virginia044000037
Washington325070760
Washington, DC044000037
West Virginia051900366
Wisconsin075000019
Wyoming044000037

Many larger banks have far more complicated ABA routing number systems because they bought a lot of smaller regional banks in one area. The only overlap for Chase has to do with New York. The geographic definition of the New York Downstate region is Westchester County, New York City, and Long Island (Nassau and Suffolk Counties). If you aren’t sure if you’re upstate or downstate, read on for another way to find it.

Finding the Routing Number on Your Check

If you have a personal check, you have your ABA routing number.

At the bottom of the check there will be a few numbers separated by a pattern of three squares. These are for computers to read and they know that one of the numbers is the ABA routing number, one is the account number, and the last one is the check number.

In the example above, the nine-digit number highlighted in red is your ABA routing number. The green number, which is usually longer, will be your account number. The ABA routing number is always a nine-digit number and you can use this American Bankers Association Routing Number lookup tool to confirm it matches your bank.

Use the Chase Mobile App or Online Banking

If you have the Chase Mobile app, open it up and look for your bank account. Choose “Show details” and it’ll display both your routing number and your account number.

Alternatively, if you sign into your online banking account and navigate to your bank account, it’ll show you both if you choose “See full account number.”

Contact Chase Bank for Your Number

If you still can’t get your ABA routing number, the last option is to call Chase Bank.

The phone number is 1-800-935-9935 and they are available 24 hours a day, 7 days a week.

Different Routing Number for Wire Transfers

The ABA routing number is for domestic bank to bank transfers – if you need to send or receive a wire transfer, you’ll need a different number. Fortunately, it’s a far simpler system with just a few numbers.

The ABA routing numbers are useful only for ACH transfers. If you are receiving a wire transfer, then the code will be different – fortunately, it’s a simpler system with one number for domestic wire transfers and one for international wire transfers.

Wire transfers are “better” than an ACH transfer because they’re faster by a few days but they’re also more expensive. An ACH transfer is free, an incoming wire transfers costs $15 and an outgoing transfer costs $25-$45. (you can save $5 if you do it online vs. a branch)

  • Domestic wire transfer (Wire Routing Transit Number) – 021000021
  • International wire transfer (SWIFT/BIC Code) – CHASUS33

If you’re receiving a wire transfer, here’s the other information you may need to provide:

Bank NameJPMorgan Chase Bank NA
Bank Address270 Park Avenue
New York, NY 10017
(regardless of where your account is located)
BNF/Field 4200
Beneficiary acct. #
Your complete Chase Bank account number
including leading zeros
Beneficiary
account name
and address
The name and address of your account as it
appears on your statement

If you’re going to send a wire transfer, make sure you confirm all the details before you send the request. In almost all cases, wire transfers cannot be reversed. Also, keep the details nearby because the bank may call to confirm them before they send the wire.

There you go – pretty easy right?

Источник: https://wallethacks.com/chase-bank-routing-number/

Don’t let Chase’s shutdown pattern bite you

In December 2017, TPG readers and members of several online points and miles communities began alerting us to a troubling experience: Chase shutting down of all their credit card accounts, and in many cases, terminating all of their Chase banking activities. Since 2018, I’ve continued to read and hear from many Chase customers who are now casualties of credit behavior which has resulted in losing access to arguably the most valuable credit cards and loyalty currency.

Related reading: How to maximize your Chase Ultimate Rewards points

The notification of shut down begins one of a few ways: 1) Your card is declined at time of purchase and you call in, only to be told your accounts have been closed; 2) You log in to your online account to a notification that your accounts are closed or 3) You receive the following letter in the mail:

Cardholders’ accounts are closed immediately, and they are given 30 days to use any Ultimate Rewards points left in their account. In some cases (but not always), personal cards and business cards are closed, while others reported that all of their Chase accounts, including non-credit card deposit accounts, were closed. There’s been no official timeline of when an affected customer can/could come back to the bank, but many people report being successful two years after the initial account closures.

Risky behavior

After speaking to at least a dozen people who’ve lost their Chase accounts and reading dozens more stories across Reddit and other online communities, there is a clear (but not exact) list of common behaviors that will put your relationship with Chase at risk.

Too many applications

There isn’t a precise limit on the number of Chase credit cards you can hold at a time. The 5/24 rule aside, I think it’s safe to say that if you get to six, you should probably refrain from further applications with the issuer. Many customers told me that they had between nine and 10 personal cards (as well as business cards) and then were flagged when they applied for the Iberia Visa Signature Card or World of Hyatt Credit Card. However, some were flagged only holding five and applying for a sixth, so there is some variation here.

Recently, at the end of 2019 and into 2020, there seems to have been an increased scrutiny on too many applications. TPG Senior News Editor Clint Henderson, a Chase deposit account and credit card customer for years and also well below 5/24, applied for the Chase Ink Business Preferred Credit Card and two personal cards all within three days. He did not receive approval decisions on any of the cards during his application process. His personal deposit and credit card accounts were shut down the next week and he was left with very little information as to why. He completed no other risky behaviors listed here. At the time of his applications, he held a Chase Sapphire card (a card only available to Chase cardholders) and the IHG Rewards Club Premier Credit Card (more on his story below).

Too much credit extended

If you reported your annual household income as $80,000 and have $150,000 in credit lines from Chase, a scenario like this could raise a flag to Chase underwriters. We can’t be sure how much is too much, and you could question why Chase would be willing to give this to you and then flag you for review. However, it’s Chase’s rules and algorithms, and they’re allowed to determine if you’ve been given too much credit, even after the fact.

Spend that does not match your income

In a similar manner, if you’re spending hundreds of thousands of dollars on your Chase cards, either for personal or business reasons, and your reported income is far below that, that could invite a review from the bank. This is an easy situation to avoid but one that evidently created unwanted attention for many former customers.

Cycling credit limits

If you’re given a $7,000 credit limit, max it out and pay it off multiple times within a single statement period, you’re cycling your card limit. This is a clear indicator of some of the above flags and another behavior commonly reported from those who have been shut down.

Payment variations

WASHINGTON, March 3, 2020 -- Photo taken on March 3, 2020 shows U.S. dollar banknotes in Washington D.C., the United States. The U.S. Federal Reserve lowered the target range for the federal funds rate by 50 basis points to a range of 1.00 percent to 1.25 percent, as the novel coronavirus disease poses

This is very hard to define, but I heard this multiple times when speaking with those that were shut down. If you’re paying your bill at various times throughout the month from a variety of checking accounts or other bill pay methods, it could get your accounts flagged. Moving money through multiple accounts is a common money laundering method and thus a likely reason why Chase would question the activity.

Too much spend too quickly

You’ve got your brand new World of Hyatt card, and you know you’re going to be a few elite-qualifying nights short of Hyatt Globalist status, so you quickly throw $15,000 or so on the card to earn six additional elite nights (two for every $5,000 you spend on the card). Without a pattern of large expenses to go on, Chase could question why a consumer would begin using such a large amount of credit so quickly. Once again, many customers with whom I spoke reported a large expense as the likely cause of the initial account review. It’s easy to wonder why Chase would give you a large credit line and then flag you for using it, but again, it’s the issuer’s rules and algorithms that govern your account status.

Related reading: 11 ways to meet credit card bonus minimum spending requirements

The dark side of rewards

There’s another side to this story which is often the most likely culprit in Chase severing ties with a cardholder. Loyalty points and miles are undeniably valuable assets. Anytime something of value is in circulation, there will be efforts to garner more of said currency. Sometimes this activity walks the line (or outright crosses the line) between following the rules and violating the terms and conditions of the applicable program.

In the reward space, this has led to two strategies:

  1. Manufactured spending, or MS for short (not to be confused with minimum spend)
  2. Brokering

Manufactured spending is putting expenses on a credit card, liquidating the purchase (sometimes with a minimal cost) and then paying off the card, leaving you with only rewards points. A simple, above-the-line example would be paying for a group dinner and then collecting cash from your friends; you essentially “manufactured” points or miles on your card without any money leaving your wallet. Now, this type of manufactured spending would never be cause for account closure (unless it falls into the above categories). However, there are other MS methods that are sketchier and thus could trigger an account review.

Brokering, on the other hand, is always against a program’s terms and conditions. This term refers to the selling, buying and/or trading of rewards points and miles between accounts. Discussion and execution of these practices now largely reside in secret Facebook, Slack and WhatsApp groups due to the quick closure of such techniques if they’re available to the public. It’s also highly likely that publicly advertising such behavior would result in immediate shut down of your account (hence the secrecy).

Now, it’s worth noting that there are ways to share points and miles between accounts that are fully allowed — like combining points from different Chase cards or converting cash-back earnings from Citi into fully-transferable ThankYou points. These are carefully spelled out in a program’s terms and conditions. It’s anything explicitly against these policies that puts your accounts in jeopardy.

Using credit cards and loyalty programs in this manner severely cuts into a bank’s revenue and is thus highly frowned upon. The majority of Chase shutdown stories I read and the people with whom I spoke had used one or both of these techniques with their cards and/or points, many to a rather eyebrow-raising level. Hundreds of thousands of dollars spent on cash equivalents like gift cards is now virtually certain to garner Chase’s attention at some point. This may not happen instantly, but it almost surely will over time.

There’s hope If you’ve received initial notification

Returning back to TPG Senior News Editor Clint Henderson’s story above, there is hope if you are shut down. Clint spoke with the Chase reconsideration line after receiving a letter in the mail that all of his accounts had been closed. Three days later he received word his Chase Sapphire and deposit accounts had been reopened, and he eventually ended up getting approved for the Ink Preferred card.

After speaking to a few other Chase customers who received the initial shutdown notification, they shared how they were also able to have their accounts reinstated after calling and appealing the decision. Legitimate large purchases — such as estimated tax payments — were sometimes the culprit of the account being flagged. However, for this to work, you need to have thorough, valid explanations for the purchasing patterns on your accounts, and documentation always helps. In addition, you must appeal within 30 days of the accounts being closed or you have no hope.

Unfortunately, in a few rare cases, Chase denied the appeal and the accounts remained closed, even with seemingly adequate explanations.

If you have an established relationship with your local Chase banker, that could be a good resource for you if you’re shut down when you should not have been. Head into your local branch and see what the staff could do for you.

Bottom line

Many of you are probably left wondering if this will impact you and will (naturally) want to ask about your specific situation: Will I be okay moving forward? The short answer is that we don’t know, and no one can give you a definite answer on what exactly will lead to Chase severing its relationship with you. However, if you’re using the rewards cards you have in the manner intended and your spending patterns match your reported income, then there’s little reason to worry.

The world of credit cards, points and miles is a long-term hobby. It’s important to think of it as a marathon, not a sprint. I want to be able to utilize every loyalty program in existence 15-20 years from now. I understand first hand how tempting it can be to jump on limited-time offers, and it’s not surprising that you want all of the points and miles now. I’ve had to tailor my own credit card spending patterns and behavior, as it has become clear that banks are on the lookout for anything seemingly suspicious. If you don’t want to risk being shut down, keep the long-term goals in focus and be responsible with the way you handle your credit from all banks, not just Chase.

Featured photo by Wyatt Smith/The Points Guy

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Richard Kerr is the Loyalty and Engagement Editor for The Points Guy focused on creating content that educates and empowers TPG readers.
Источник: https://thepointsguy.com/news/dont-let-chases-shutdown-pattern-bite-you/

How to Contact Chase Bank Customer Service

According to Forbes, Chase Bank ranks number six in the nation in size. With branches around the world, Chase is a massive banking institution. Finding the right customer service representative for your needs can seem challenging, but it is not impossible. The following contact information should make it easier for you to reach the right customer service department when you need them.

Online banking, and online customer support, can save time and the frustration of waiting on hold. The customer service contact page is a great starting point for reaching Chase customer service. 

Personal checking and savings

You can open an account online, or sign in to your existing account to chat with customer service. For general inquiries, you can reach Chase at 1-877-260-2178 or 1-877-242-7372. For those outside the United States, call 1-713-262-3300. If you are hearing impaired, you can reach TDD/TTY at 1-800-242-7383.

With over 5,000 branches, you can find a branch close to you with this tool. You can also request a meeting with a local representative by filling out this form. 

To reach Chase via mail, send correspondence to National Bank By Mail, P.O. Box 6185, Westerville, OH 40386. For overnight or certified mail, address correspondence to National Bank By Mail, Mail code OH1-0333, 340 S. Cleveland Ave, Building 370, Westerville, OH 43081.

Business Services

Chase offers a wide array of business services. The easiest way to utilize customer service is by using the online customer service features. If you need to speak to a customer service representative, the following numbers should make it painless to connect with the support you need. 

Merchants can find a full range of services for accepting payments through Chase merchant services. For information and support, visit the support page. If you are having technical difficulties in accepting or processing payments, call 1-800-934-7717.

Outside the United States, call 1-212-270-6000. You can also reach technical support for merchants at [email protected]

Business checking account information can be accessed on this webpage. 

If you are interested in exploring Chase’s options for business loans and other services, visit this webpage to find information about available products. 

If you prefer to reach customer service via phone, Chase offers a variety of customer support numbers for business customers. 

Existing accounts—1-800-242-7338

Online Banking Technical Support—1-877-242-7372

Business Platinum Line—1-877-425-8100

Cash Management—1-800-606-7615

Merchant Services—1-888-886-8869

ACH Support—1-800-677-7477

Chase Business Customer Claims—1-866-564-2262

Debit Card Fraud Prevention—1-800-978-8664

Investments

To access customer service about Chase Investment Services, use the webpage or access the online ability to meet with an advisor. Chase also offers a page for learning and insights to help you establish and achieve your goals for investing wisely. 

Credit Cards

Chase offers a wide selection of credit cards to meet the needs of every customer. Visit the credit card resource center to find out what cards are available, use a side by side comparison tool, or apply for a card.

To reach customer service for personal credit cards, call 1-800-432-3117. International callers use 1-302-594-8200. Chase accepts operator relay calls. If you are deaf or have a speech disability, call 711 for assistance. 

To reach customer service for a business credit card, call 1-888-269-8690. International callers for business cards should call 1-480-350-7099.

To make payments by mail, use a check or money order with your name and account number. Mail to Cardmember Services, P.O. Box 6294, Carol Stream, IL 60197-6294.

For general inquiries, send mail to Card Services, P.O. Box 15298, Wilmington, DE 19850.

For members of the United States Military, you can access Chase Military Services at 1-877-469-0110 or by mail to SCRA Request, P.O. Box 183240, Columbus, OH 43218-3240.

If you have a dispute about a report to a credit bureau, send the information to Card Services, Credit Bureau Dispute Processing, P.O. Box 15369, Wilmington, DE 19850-5369.

Источник: https://fairshake.com/chase-bank/contact/

Chase Orbital Payment Gateway

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Chase is a leading credit card processor and payment gateway provider. Zuora is pre-integrated with Chase Orbital payment gateway and Chase NCB Account Updater service. To set up the Chase PMU service in Zuora, see Configure Chase Payment Method Updater for more information.

Supported versions and features

Zuora supports the following gateway versions:

  • Chase Paymentech Orbital Gateway, API v7.0.1 - Available to all Zuora customers.

  • Chase Paymentech Orbital Gateway - The latest version of the gateway. This version includes support for the Stored Credential Transaction framework from Visa, Mastercard, and Discover. In all other ways, this version is functionally equivalent to Chase Paymentech Orbital Gateway, API v7.0.1.

Zuora does not support version 6.3.0 or version 6.4.4 any longer. You cannot create new Orbital gateway instances in either of these versions, but existing instances in your Zuora tenant continue to work.

The following table compares a subset of features where there are changes in support between Orbital 6.3.0, Orbital 6.4.4, Chase Paymentech Orbital Gateway API v7.0.1, and Chase Paymentech Orbital Gateway. 

FunctionFeatureOrbital 6.3.0Orbital 6.4.4 Chase Paymentech Orbital 7.0.1 Chase Paymentech Orbital 
(Latest version)
VerificationAVS (Orbital)SupportedSupportedSupportedSupported
CVV (Orbital)SupportedSupportedSupportedSupported
AVS Filtering (Zuora)SupportedNot Supported,
Deprecated
Not Supported,
Deprecated
Not Supported,
Deprecated
CVV Filtering (Zuora) SupportedNot Supported,
Deprecated
Not Supported,
Deprecated
Not Supported,
Deprecated
Payment MethodsCredit CardSupportedSupportedSupportedSupported

Debit Card (Using Debit Card Networks)

Note: Canadian PAD is not supported.

SupportedSupportedSupportedSupported
Apple PayNot SupportedNot SupportedSupportedSupported
Bank Transfer (ACH)SupportedSupportedSupportedSupported
SEPA Direct DebitNot SupportedSupportedSupportedSupported
UK Direct DebitNot SupportedSupportedSupportedSupported
Safetech Fraud and SecurityNot SupportedSupportedSupportedSupported
Tokenization (using CC Ref Transactions)Not SupportedSupportedSupportedSupported
Payment ProcessingGateway OptionsSupportedSupportedSupportedSupported
Soft DescriptorSupportedNot SupportedSupportedSupported
Level 2 DataNot SupportedSupportedSupportedSupported
Level 3 DataNot SupportedSupportedSupportedSupported
Delayed Capture: Single CaptureSupportedSupportedSupportedSupported
Stored Credential TransactionsNot SupportedNot SupportedNot SupportedSupported
3D Secure 2.0Not SupportedNot Supported Not SupportedSupported
Payment Void/CancelVoidSupportedSupportedSupportedSupported
Refund ProcessingReferenced RefundsSupportedSupportedSupportedSupported
Non-Referenced RefundsSupportedSupportedSupportedSupported

Gateway Reconciliation

(Credit card only)

Payment SettlementNot SupportedSupportedSupportedSupported
Payment RejectionNot SupportedSupportedSupportedSupported
Payment ChargebackNot SupportedNot SupportedNot SupportedNot Supported
Refund Settlement/RejectionNot SupportedNot SupportedNot SupportedNot Supported

Prerequisites

Obtain a Chase Orbital Gateway Account on the Salem/Stratus Platform

Chase Orbital provides two host platforms for the Orbital Gateway: Salem (or Stratus) and Tampa. However, Zuora's only supports the Orbital Gateway (Salem/Stratus Platform).

If you have not yet signed up for a gateway account, get in touch with your account representative or our sales team through zuora.com. We can refer you to the right contacts to ensure that you are set up with a gateway account that is compatible with Zuora.

If you have an existing Chase Orbital gateway account, make sure it is using the Salem/Stratus Platform. 

Zuora does not support the Orbital Gateway (Tampa Platform) so please make sure your gateway account is configured using the right host platform. If you are not sure which hosting platform your Orbital Gateway is using, the Orbital Gateway (Tampa Platform) uses BIN 000002) and has a 12 digit PNS Merchant ID number.

Link Your Merchant ID to Zuora's Submitter ID

In order for Zuora to submit payment transactions to Chase Orbital gateway on your company's behalf, your Chase Obital Merchant ID(s), also known as the Presenter ID, will need to be linked to Zuora's Submitter ID (SID). If you are planning to configure more than one merchant ID number in Zuora, make sure all merchant IDs are linked to Zuora's SID. Alternatively, you can ask for your IDs to be linked to Zuora's SID at the chain level, which ensures the link is done at the company level and any merchant IDs associated with the company will be linked automatically to Zuora's SID. Please ensure both your Orbital Production and Test accounts are linked. 

You can work with your Chase Orbital relationship/account manager, or contact the Chase Orbital  support team to request the accounts be linked. Chase Orbital Support can be reached at 1-866-645-1314 or [email protected] If it is an urgent matter, please contact their support team by phone. Support is provided 24x7.

Zuora's Submitter ID: 056839.

Processing Error if Account is Not Linked

If you attempt to process test or production transactions in Zuora or create a new payment method, the following error may occur if your merchant IDs have not been linked to Zuora's SID: "ProcStatus:20412 - Precondition Failed: Security Information is missing. Error processing transaction."  If this error occurs, please contact Chase Orbital to ensure your accounts are properly linked. 

Set up Safetech

If you want to use the Safetech Fraud Security tool and Zuora’s Billing system, Chase Orbital and Zuora recommend that you reach out to your JP Morgan account manager before configuring in Zuora. You might have to sign a fee schedule specifically for Safetech, then you can obtain your Safetech ID. 

When you have secured your Safetech ID, request your JP Morgan account manager to put you in contact with a Safetech analyst who will assist you with training and setting up the Safetech tool. Once you are ready to implement, refer to Chase’s developer portal for Safetech specifications. 

The following table lists the fields that Zuora sends to Chase Orbital for Safetech integration. 

Safetech Field NameZuora Field NameComments
AccountNumCreditCardNumber 
ExpCreditCardExpirationMonth 
ExpCreditCardExpirationYear 
CurrencyCodegwOptions_CurrencyCode 
CardSecValCreditCardSecurityCode 
AVSaddress1CreditCardAddress1 
AVSaddress2CreditCardAddress2 
AVScityCreditCardCity 
AVSphoneNumPhone 
AVSzipCreditCardPostalCode 
AVSstateCreditCardState 
AVScountryCodeCreditCardCountry 
AVSDestzipgwOptions_AVSDestzip 
AVSDestaddress1gwOptions_AVSDestaddress1 
AVSDestaddress2gwOptions_AVSDestaddress2 
AVSDestcitygwOptions_AVSDestcity 
AVSDeststategwOptions_AVSDeststate 
AVSDestphoneNumgwOptions_AVSDestphoneNum 
AVSDestnamegwOptions_AVSDestname 
AVSDestcountryCodegwOptions_AVSDestcountryCode 
OrderIDgwOptions_GatewayOrderId 
CommentsgwOptions_Comments 
CustomerAnigwOptions_CustomerAni 
AVSPhoneTypegwOptions_AVSPhoneType 
AVSDestPhoneTypegwOptions_AVSDestPhoneType 
CustomerEmailEmail 
CustomerIpAddressgwOptions_CustomerIpAddress 
EmailAddressSubtypegwOptions_EmailAddressSubtype 
CustomerBrowserNamegwOptions_CustomerBrowserName 
ShippingMethodgwOptions_ShippingMethod 
KaptchaSessionIDgwOptions_KaptchaSessionID 
WebsiteShortNamegwOptions_WebsiteShortName 
CashValueOfFencibleItemsgwOptions_CashValueOfFencibleItemsWhen fraud score indicator is 2, this field is submitted.
CustomerDOBgwOptions_CustomerDOBWhen fraud score indicator is 2, this field is submitted.
CustomerGendergwOptions_CustomerGenderWhen fraud score indicator is 2, this field is submitted.
CustomerDriverLicensegwOptions_CustomerDriverLicenseWhen fraud score indicator is 2, this field is submitted.
CustomerIDgwOptions_CustomerIDWhen fraud score indicator is 2, this field is submitted.
CustomerIDCreationTimegwOptions_CustomerIDCreationTimeWhen fraud score indicator is 2, this field is submitted.
KTTDataLengthgwOptions_KTTDataLength 
KTTDataStringgwOptions_KTTDataString 

If you are using the Verify payment method REST API or Payment Pages 2.0 to verify a payment method, you must leverage the  parameter to pass in the values of the fields starting with "gwOptions_". See Client Parameters for Payment Pages 2.0 for more information. Note that the  client parameter for Payment Pages 2.0 is not applicable.

Enable the Orbital Gateway for Your Tenant

Once you have linked your merchant IDs to Zuora's SID, you can contact Zuora Global Support with your merchant ID number(s) so that our support team can enable the gateway in your tenant. 

Zuora recommends that merchants use Orbital 7.0.1 to pass additional Level 2 and Level 3 data potentially reducing transaction costs and to take advantage of additional reconciliation and security features.

Supported Gateway Reconciliation Event Types

Chase Orbital Gateway supports the following Gateway Reconciliation event types for payment reconciliation:

  • The chargeback event type of payment reconciliation is not supported by Zuora's implementation with the Chase Orbital gateway.
  • Only reconciliation through Credit Card payment method is supported by Zuora's implementation with the Chase Orbital gateway.

Configure the Orbital Gateway

To set up Orbital as your gateway, enter your Orbital credentials in the Settings > Payments > Setup Payment Gateway page. When selecting a Gateway Type, select Chase Paymentech Orbital Gateway or Chase Paymentech Orbital Gateway, API v7.0.1 from the dropdown list.

Common Fields for Configuration

There are some common fields you must complete for every gateway configuration. We recommend reviewing our Setting Up Payment Gateways documentation for information on these common fields: 

  • Name
  • Use Gateway Test Environment
  • Cards Accepted
  • Default Authorization Amount
  • Verify new payment method (optional)
  • Verify updated payment method (optional)
  • Enable AVS Filtering

If enabled, Zuora will decline Credit Card transactions for certain AVS response codes returned by the gateway, even if the gateway has approved the transaction. Default is disabled.

  • Enable CVV Filtering

If enabled, Zuora will decline Credit Card transactions for certain CVV response codes returned by the gateway, even if the gateway has approved the transaction. The default is disabled.

Credentials

In addition to the common fields, every gateway has unique requirements and information (such as credentials and certain rules) that you must provide to configure the gateway in Zuora. 

Industry Type

Industry type defines the industry type for the transaction and identifies how transactions are obtained.  This information is passed in the transaction request submitted to Chase Orbital. Please select the appropriate industry type, choosing from one of the following:

  • Mail Order Transaction
  • Recurring Payment
  • eCommerce Transaction
Select the Correct Industry Type

The Industry Type for your merchant account can be found by logging into your Orbital Virtual Terminal and viewing the setup for your merchant ID (MID). Alternatively, you can also contact your Chase Orbital Account Executive or Orbital support to determine which default Industry Type is set up for your MID(s). 

It is possible for your transactions to be obtained using an Industry Type that is different than the Industry Type set up for your MID. In this case, when configuring the payment gateway in Zuora, you should select the Industry Type for how the transaction is actually obtained. For example, you could have an MID whose default setup in Chase Orbital is eCommerce transaction, but the transactions are Recurring Payment. In this case, you would configure the Orbital payment gateway profile in Zuora using the Industry Type of Recurring Payment.

Generally, if you are accepting orders through your website, you will use the eCommerce transaction Industry Type, and if these transactions are accepted on a recurring basis, you will use the Recurring Payment Industry Type. However, please discuss with your Chase Orbital Account Executive or Orbital support to determine what industry type to use when configuring this gateway in Zuora. 

BIN

The BIN number is the Transaction Routing Definition and this is assigned by Chase Orbital. The Orbital Gateway (Salem/Stratus Platform) uses only BIN 000001. Therefore, when configuring your Orbital Gateway (Salem/Stratus Platform) in Zuora, you will see only one option to select from, that is Salem - 000001 or Stratus - 000001.

Merchant ID

The merchant ID (MID) is the merchant account number assigned to you by Chase Orbital. This Orbital MID is your Salem Division (TD) number. This MID number should be the same one you provided to Zuora Global Support to enable in your tenant, and the ID(s) will appear as a picklist in the gateway configuration page. If you have more than one Merchant ID number, you can set up multiple gateway configurations for each Merchant ID number.

The MID may also be referred to as the Transaction Division (TD) number or Presenter ID.

Merchant ID Format

The Orbital Gateway (Salem/Stratus Platform) MID is a 6 digit numeric value such as: 041756. This account number matches your host platform number. There are two host platforms available for the Orbital Gateway: Salem (or Stratus) and Tampa. The Orbital Gateway (Salem/Stratus Platform) uses a 6 digit numeric MID while the Orbital Gateway (Tampa Platform) uses a 12 digit numeric MID.

Zuora does not support the Orbital Gateway (Tampa Platform) so please make sure your gateway account is configured using the right host platform. If you are not sure which hosting platform your Orbital Gateway is using, the Orbital Gateway (Tampa Platform) uses BIN 000002) and has a 12 digit PNS Merchant ID number.

JPMPP Merchant ID

This is the ID of your merchant account used for strong customer authentication (SCA). Contact Chase Merchant Services to get your merchant account set up for SCA.

JPMPP Merchant Password

This is the password of your merchant account used for strong customer authentication (SCA). Contact Chase Merchant Services to get your merchant account set up for SCA.

Enable AVS Filtering

The following table is a list of AVS response codes that Zuora will reject when this setting is enabled.

CodeDescription
2Bill-to address did not pass Auth Host edit checks
5Edit-error - AVS data is invalid
EZip No Match / Zip 4 Match / Locale no match
GNo match at all
JCInternational street address and postal code not verified
N5Address not verified (International only)

Enable CVV Filtering

The CVV response code N = CVV No Match will be rejected by Zuora when this setting is enabled.

Soft Descriptor

Soft Descriptor is used to define the merchant name or product description that will appear on the customer's statement. This field is required if you want to use Soft Descriptor.

Merchant Phone Number

The merchant phone number or the phone number that is associated with your Orbital merchant account.

Setting Up Multiple Gateway Profiles for the Same MID

If you obtain payments using different methods, you may need to create multiple payment gateway profiles in Zuora using the same MID but with a different Industry Type selected in each profile.

If you accept all credit cards, it is recommended that you configure two gateway instances. One gateway for Visa and Mastercard with the default authorization amount set to $0. This will result in reduced transaction fees when payments are processed.

Configure a second gateway instance for all other credit cards with the default authorization amount set to $1 or higher. Default amounts set to $0 only applied to Visa and Mastercard. Processing other credit cards with this value will produce an error when the payment is processed.

Testing Your Configuration

We recommend that you test your selected payment gateway by using both your payment gateway's test and production (live) environments. Once you have completed testing in the gateway's test environment, it is recommended that you perform a test in your live production environment with a real credit card. If there are any differences in the configuration of your testing and production accounts, testing in production ensures your production merchant account is set up properly and can successfully connect to the production environment.

Accessing Your Gateway's Test Environment

Some payment gateways provide separate credentials for merchants to access their testing environment, some gateways use the same credentials for testing as for the production (live) environment but direct test transactions to a different URL, and other gateways do a little of both. To access the Orbital Gateway test environment, you simply have to select the Use Test Gateway Environment option in Zuora when configuring your payment gateway profile. 

Accessing Test or Production (Live) Mode from Zuora

When configuring the Orbital payment gateway in Zuora, you can indicate whether you would like to use the Orbital test environment or the Orbital production environment. 

  • If Use Gateway Test Environment is selected, Zuora will direct payment transactions to the Orbital test environment. The address for this system is , port 443.

You will be accessing a test environment linked to Zuora's submitter ID. This environment is a testing simulator.

  • If Use Gateway Test Environment is not selected (disabled), Zuora will direct payment transactions to the Orbital production (live) environment. The address for this system is , port 443.

Test Credit Cards and Testing Scenarios

Please contact the Chase Orbital Support team for test credit card numbers and testing scenarios. Their Merchant Certification Department can provide you with the appropriate documentation for testing. Chase Orbital Support can be reached at 1-866-645-1314 or [email protected] You can also explore Chase Orbital development center to search and find information.

General Testing Information

Integration Testing

Zuora has been certified with Chase Orbital as an integration partner and maintains the integration on an ongoing basis, thoroughly testing the integration with every new release. The Chase Orbital Gateway integration documentation is helpful if you are integrating the Orbital gateway directly with your website, however, you do not need to perform any integration or certification testing to submit transactions to the Orbital gateway via the Zuora application. The intended audience for the integration guides are technical integrators, however, these documents can be helpful to non-technical integrators who can refer to it for information on testing and troubleshooting gateway errors (as described below).

Performance and Volume Testing

In general, gateway testing environments are intended to give merchants the opportunity to test their gateway and integrations to their gateway, in order to work out any bug before going to the production environment. Some gateway test environments are shared amongst multiple merchants, and other gateways provide unique testing environments for each merchant. Additionally, gateway test environments (also referred to as certification or sandbox environments) do not have the same high availability or performance capability as production environments. As such, they are not intended for load testing. Merchants performing high volumes of load testing that puts a stress on a shared test environment may receive a warning from the gateway or have their access to the testing environment suspended.

Troubleshooting Gateway Errors

There are several ways to obtain information on gateway errors:

  1. Refer to Chase Orbital development center for information on response codes, values, and descriptions.
  2. Look up the transaction by the transaction ID number (in the Zuora payment detail page, this is the Reference ID and Secondary Reference ID numbers) in virtual terminal to see if more information is provided; often you will see more than just the response (reasons) code and response message in Zuora.
  3. If you require additional information, you can contact Chase Orbital Support can be reached at 1-866-645-1314 or [email protected]

ProcStatus Errors

ProcStatus errors are errors sent by the Chase Orbital gateway to Zuora, these transactions did not pass the gateway validation and thus were rejected by Chase Orbital. Such transactions do not get sent to the payment processor nor card issuing banks. Chase Orbital will return an error to Zuora with a definition of the error so that action can be taken by the customer (for example, fix the data provided for the payment method or use a different payment method).

ProcStatus:20412 - Precondition Failed: Security Information is missing. Error processing transaction.

If you attempt to process test or production transactions in Zuora or create a new payment method, the following error may occur if your merchant IDs have not been linked to Zuora's SID: "ProcStatus:20412 - Precondition Failed: Security Information is missing. Error processing transaction."  If this error occurs, contact Chase Orbital to ensure both your test and production accounts are properly linked.

ProcStatus Errors #839, 840, and 841 have to do with an invalid credit card account number.

These errors refer to "PAN" which stands for Primary Account Number (the credit card number). When the end customer encounters these errors, it is recommended that the user re-enter their credit card account information. Here are some specific PAN errors: 

  • 839 PWS_ERR_VALIDATION_PAN_LUHN Fix = Typically associated with a transaction where an account that does not pass our BIN/MOD10 check.

This error is typically associated with a transaction where an account does not pass Chase Orbital's BIN/MOD10 validation of the credit card number. BIN stands for Bank Identification Number and MOD10 refers to the checksum formula used to validate the credit card number.

Chase Orbital will validate the BIN by checking the first six digits of the credit card number, which are also known as the Issuer Identification Number (IIN). The BIN identifies the card issuing financial institution (for example Visa or MasterCard), and is used to route transactions to the appropriate card issuing banks for approval and settlement. 

The MOD 10 check-digit routine distinguishes whether a credit card number is valid by using an algorithm to compute the last digit of a credit card number based on a calculation of all the digits preceding the last number on a credit card. Refer to (search for MOD 10 check-digit routine) for an example of how the MOD 10 check-digit routine is performed on a credit card number.

  • 841 PWS_ERR_VALIDATION_PAN_RANGE Fix

This error is typically associated with a transaction where no credit card number is submitted to the gateway or the credit card number is invalid (for example, contains invalid characters or does not fall within a valid BIN Range). As mentioned above, the BIN is the first six numbers of a credit card that identifies the credit card type (for example: Visa or Mastercard), and the bin range is the range of numbers applicable to the credit card as designed by the card issuing bank. 

Make Sure You Are Not Re-Trying an Invalid Card Too Many Times

We recommend that you check the payment in Zuora to see how many times the same payment method has been re-tried for payment and failed. If there have been several retries, check the error messages from the beginning with the first failure and the more recent failures to determine if the error message is the same. If a merchant tries to process a payment against the same credit card too many times despite receiving errors, this could trigger warnings to the card issuing bank. The card issuing bank may place an alert on the account and not allow any further transactions from the merchant using that payment method. When a merchant has been flagged, the error received on the payment may not state the reason why, instead it might be a generic error decline error. In this case, the merchant (Zuora customer) should work with Chase Orbital Support to see if they can identify the problem with the payment method. If the processor does not know, then the merchant and/or the cardholder can try calling their card issuing bank to look into the issue.

Limitation

Currently, the following function/feature is not supported by Zuora's implementation with the Chase Orbital gateway:

  • Refund reconciliation
  • The chargeback event type of payment reconciliation
Источник: https://knowledgecenter.zuora.com/Billing/Billing_and_Payments/M_Payment_Gateways/Supported_Payment_Gateways/Chase_Orbital_Payment_Gateway

How the Chase 5/24 rule works and what it means for your Chase credit card applications

Select’s editorial team works independently to review financial products and write articles we think our readers will find useful. We may receive a commission when you click on links for products from our affiliate partners.

The United Club℠ Card, Chase Freedom® and Chase Slate® Credit Card are not currently in market. Please visit our list of the best balance transfer cards, best cash-back cards, and best Chase cards for alternative options.

Deciding when is the best time to apply for a new credit card is key, especially if you're looking to open a Chase credit card. While Americans have an average of four credit cards, those with more may run into Chase's "5/24 rule."

The 5/24 rule limits who can open a new Chase credit card, based on how many cards they have opened within the past two years. So, if you're looking to maximize travel rewards with the Chase Sapphire Reserve® or get out of debt with the Chase Slate®, you may need to calculate your 5/24 score before applying.

Below, Select explains how the Chase 5/24 rule works, so you can gauge qualification odds for Chase credit card applications.

What is the 5/24 rule?

Many card issuers have criteria for who can qualify for new accounts, but Chase is perhaps the most strict. Chase's 5/24 rule means that you can't be approved for most Chase cards if you've opened five or more personal credit cards (from any card issuer) within the past 24 months.

For instance, if you've opened two Citi cards and three Amex cards within the past 24 months, then you will likely be denied for a new Chase card until your 5/24 score decreases. There really aren't any workarounds to the 5/24 rule, beyond waiting for a new account to be over 24 months old.

What Chase cards are affected by 5/24?

While Chase doesn't publish which cards are affected by the rule, there are numerous reports on forums, such as Reddit, that report which credit cards are subject to 5/24.

The 5/24 rule reportedly affects most Chase credit cards, including:

Co-branded cards are also reportedly affected:

How to calculate your 5/24 score

If you've recently opened new credit cards and want to apply for a Chase credit card, you may not know where you stand for the 5/24 rule. To calculate your 5/24 score, simply review your credit report and count the number of accounts that were opened in the past 24 months.

This also includes if someone added you as an authorized user on their account. And any accounts that were opened within the past two years but also closed within that time should still be counted.

Does the 5/24 rule affect other card issuers?

No — other card issuers don't follow the 5/24 rule, so you may qualify for an Amex or Citi card if you've opened five accounts within the past 24 months. However, all card issuers have their own requirements and criteria for approving applicants.

Don't miss:

Information about theIHG® Rewards Club Traveler Credit Card,Chase Freedom®, Chase Slate®, Amazon Prime Rewards Visa Signature Card, Disney® Premier Visa® Card, Disney® Visa® Card, Starbucks® Rewards Visa® Card, United Club℠ Business Card, and United Club℠ Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
Источник: https://www.cnbc.com/select/how-chase-524-rule-works/

How to Easily Combine Two Chase Account Logins

Chase offers one of the most comprehensive credit card portfolios out there, with many of its cards ranking among the best cards for each spending category. But with so many lucrative products on offer, Chase customers regularly run into the issue of having to juggle multiple account logins—particularly when holding both business and consumer cards.

To simplify things, Chase recently added a new feature to its online account center. Customers can now easily combine multiple logins into one—including personal and business accounts. Now you only need to remember one password!

Combining Two Accounts

Before this new feature, combining online account logins was possible, but it always required a phone call. Now you can do this new method online in a matter of minutes.

To combine two Chase logins, start by logging into the account you quicken loans 30 year mortgage rates to keep—preferably on a desktop. Note that if you're joining a business login and a personal login, you'll have to keep the business login and add the personal account. You can't add a business login to a personal login. Whether you're logged into your personal what is an online id bank of america business account when submitting the request, you'll get the same options:

Select the menu icon in the upper left corner.

Then select the ‘Secure Messages' option.

Once you're in your account's Secure Message Center, select ‘New Message'.

In the ‘What is this about?' dropdown menu, you'll find the option ‘link another username to this one'.

At this point, a form will appear for you to complete with the login credentials for the second account. Once this is submitted, your two accounts should be fully combined within a few business days.

As part of the process, Chase asks you to confirm “I'm the owner of both of these accounts and that they're registered under my Social Security or tax ID number.” That means you can't combine the individual accounts of a married couple into one login.

Combined Account Usability

Once you've successfully combined your Chase accounts, you can view all of your personal and business accounts in one place.

A combined business/consumer login on a desktop looks like this:

You can customize which accounts to view with the header menu.

On the Chase Mobile App (Apple/Android), you simply toggle back and forth between your business and consumer accounts with the switch at the top:

Final Thoughts

This is a welcome change for Chase customers. The previous method of combining logins could be confusing and convoluted, which meant that how to find credit card account number chase people didn't bother going through the trouble. This new method makes it much easier, which hopefully translates into a more streamlined banking experience.

Источник: https://awardwallet.com/blog/combine-chase-accounts-automated-process/

Don’t let Chase’s shutdown pattern bite you

In How to find credit card account number chase 2017, TPG readers and members of several online points and miles communities began alerting us to a troubling experience: Chase shutting down of all their credit card accounts, and in many cases, terminating all of their Chase banking activities. Since 2018, I’ve continued to read and hear from many Chase customers who are now casualties of credit behavior which has resulted in losing access to arguably the most valuable credit cards and loyalty currency.

Related reading: How to maximize your Chase Ultimate Rewards points

The notification of shut down begins one of a few ways: 1) Your card is declined at time of purchase and you call in, only to be told your accounts have been closed; 2) You log in to your online account to a notification that your accounts are closed or 3) You receive the following letter in the mail:

Cardholders’ accounts state bank of cross plains closed immediately, and they are given 30 days to use any Ultimate Rewards points left in their account. In some cases (but not always), personal cards and business cards are closed, while others reported that all of their Chase accounts, including non-credit card deposit accounts, were closed. There’s been no official timeline of when an affected customer can/could come how to find credit card account number chase to the bank, but many people report being successful two years after the initial account closures.

Risky behavior

After speaking to at least a dozen people who’ve lost their Chase accounts and reading dozens more stories across Reddit and other online communities, there is a clear (but not exact) list of common behaviors that will put your relationship with Chase at risk.

Too many applications

There isn’t a precise limit on the number of Chase credit cards you can hold at a time. The 5/24 rule aside, I think it’s safe to say that if you get to six, you should probably refrain from further applications with the issuer. Many customers told me that they had between nine and 10 personal cards (as well as business cards) and then were flagged when they applied for the Iberia Visa Signature Card or World of Hyatt Credit Card. However, some were flagged only holding five and applying for a sixth, so there is some variation here.

Recently, at the end of 2019 and into 2020, there seems to have been an increased scrutiny on too many applications. TPG Senior News Editor Clint Henderson, a Chase deposit account and credit card customer for years and also well below 5/24, applied for the Chase Ink Business Preferred Credit Card and two personal cards all within three days. He did not receive approval decisions on any of the cards during his application process. His personal deposit and credit card accounts were shut down the next week and he was left with very little information as to why. He completed no other risky behaviors listed here. At the time of his applications, he held a Chase Sapphire card (a card only available to Chase cardholders) and the IHG Rewards Club Premier Credit Card (more on his story below).

Too much credit extended

If you reported your annual household income as $80,000 and have $150,000 in credit lines from Chase, a scenario like this could raise a flag to Chase underwriters. We can’t be sure how much is too much, and you could question why Chase would be willing to give this to you and then flag you for review. However, it’s Chase’s rules and algorithms, and they’re allowed to determine if you’ve been given too much credit, even after the fact.

Spend that does not match your income

In a similar manner, if you’re spending hundreds of thousands of dollars on your Chase cards, either for personal or business reasons, and your reported income is far below that, that could invite a review from the bank. This is an easy situation to avoid but one that evidently created unwanted attention for many former customers.

Cycling credit limits

If you’re given a $7,000 credit limit, max it out and pay it off multiple times within a single statement period, you’re cycling your card limit. This is a clear indicator of some of the above flags and another behavior commonly reported from those who have been shut down.

Payment variations

WASHINGTON, March 3, 2020 -- Photo taken on March 3, 2020 shows U.S. dollar banknotes in Washington D.C., the United States. The U.S. Federal Reserve lowered the target range for the federal funds rate by 50 basis points to a range of 1.00 percent to 1.25 percent, as the novel coronavirus disease poses

This is very hard to define, but I heard this multiple times when speaking with those that were shut down. If you’re paying your bill at various times throughout the month from a variety of checking accounts or other bill pay methods, it could get your accounts flagged. Moving money through multiple accounts is a common money laundering method and thus a likely reason why Chase would question the activity.

Too much spend too quickly

You’ve got your brand new World of Hyatt card, and you know you’re going to be a few elite-qualifying nights short of Hyatt Globalist status, so you quickly throw $15,000 or so on the card to earn six additional elite nights (two for every $5,000 you spend on the card). Without a pattern of large expenses to go on, Chase could question why a consumer would begin using such a large amount of credit so quickly. Once again, many customers with whom I spoke reported a large expense as the likely cause of the initial account review. It’s easy to wonder why Chase would give you a large credit line and then how to find credit card account number chase you for using it, but again, it’s the issuer’s rules and algorithms that govern your account status.

Related reading: 11 ways to meet credit card bonus minimum spending requirements

The dark side of rewards

There’s another side to this story which is often the most likely culprit in Chase severing ties with a cardholder. Loyalty points and miles are undeniably valuable assets. Anytime something of value is in circulation, there will be efforts to garner more of said currency. Sometimes this activity walks the line (or outright crosses the line) between following the rules and violating the terms and conditions of the applicable program.

In the reward space, this has led to two strategies:

  1. Manufactured spending, or MS for short (not to be confused with minimum spend)
  2. Brokering

Manufactured spending is putting expenses on a credit card, liquidating the purchase (sometimes with a minimal cost) and then paying off the card, leaving you with only rewards points. A simple, above-the-line example would be paying for a group dinner and then collecting cash from your friends; you essentially “manufactured” points or miles on your card without any money leaving your wallet. Now, this type of manufactured spending would never be cause for account closure (unless it falls into the above categories). However, there are other MS methods that are sketchier and thus could trigger an account review.

Brokering, on the other hand, is always against a program’s terms and conditions. This term refers to the selling, buying and/or trading of rewards points and miles between accounts. Discussion and execution of these practices now largely reside in secret Facebook, Slack and WhatsApp groups due to the quick closure of such techniques if they’re available to the public. It’s also highly likely that publicly advertising such behavior would result in immediate shut down of your account (hence the secrecy).

Now, it’s worth noting that there are ways to share points and miles between accounts that are fully allowed — like combining points from different Chase cards or converting cash-back earnings from Citi into fully-transferable ThankYou points. These are carefully spelled how to find credit card account number chase in a program’s terms and conditions. It’s anything explicitly against these policies that puts your accounts in jeopardy.

Using credit cards and loyalty programs in this manner severely cuts into a bank’s revenue and is thus highly frowned upon. The majority of Chase shutdown stories I read and the people with whom I spoke had used one or both of these techniques with their cards and/or points, many to a rather eyebrow-raising level. Hundreds of thousands of dollars spent on cash equivalents like gift cards is now virtually certain to garner Chase’s attention at some point. This may not happen instantly, but it almost surely will over time.

There’s hope If you’ve received initial notification

Returning back to TPG Senior News Editor Mobile homes for sale under 5000 in south carolina Henderson’s story above, there is hope if you are shut down. Clint spoke with the Chase reconsideration line after receiving a letter in the mail that all of his accounts had been closed. Three days later he received word his Chase Sapphire and deposit accounts had been reopened, and he eventually ended up getting approved for the Ink Preferred card.

After speaking to a few other Chase customers who received the initial shutdown notification, they shared how they were also how to find credit card account number chase to have their accounts reinstated after calling and appealing the decision. Legitimate large purchases — such as estimated tax payments — were sometimes the culprit of the account being flagged. However, for this to work, you need to have thorough, valid explanations for the purchasing patterns on your accounts, and documentation always helps. In addition, you must appeal within 30 days of the accounts being closed or you have no hope.

Unfortunately, in a few rare cases, Chase denied the appeal and the accounts remained closed, even with seemingly adequate explanations.

If you have an established relationship with your local Chase banker, that could be a good resource for you if you’re shut down when you should not have been. Head into your local branch and see what the staff could do for you.

Bottom line

Many of you are probably left wondering if this will impact you and will (naturally) want to ask about your specific situation: Will I be okay moving forward? The short answer is that we don’t know, and no one can give you a definite answer on what exactly will lead to Chase severing its relationship with you. However, if you’re using the rewards cards you have in the manner intended and your spending patterns match your reported income, then there’s little reason to worry.

The world of credit cards, points and miles is a long-term hobby. It’s important to think of it as a marathon, not a sprint. I want to be able to utilize every loyalty program in existence 15-20 years from now. I understand first hand how tempting it can be to jump on limited-time offers, and it’s not surprising that you want all of the points and miles now. I’ve had to tailor my own credit card spending patterns and behavior, as it has become clear that banks are on the lookout how to find credit card account number chase anything seemingly suspicious. If you don’t want to risk being shut down, keep the long-term goals in focus and be responsible with the way you handle your credit from all banks, not just Chase.

Featured photo by Wyatt Smith/The Points Guy

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Richard Kerr is the Loyalty and Engagement Editor for The Points Guy focused on creating content that educates and empowers TPG readers.
Источник: https://thepointsguy.com/news/dont-let-chases-shutdown-pattern-bite-you/

Travel with Grant Advertiser Disclosure

Good morning everyone.  Yesterday afternoon, I got my Chase business checking account statement and there was a big message on the front page of the statement.  Beginning on November 19, 2019, if your Chase checking account is compromised, Chase will provide a replacement checking account number.  This avoids the hassle of closing your existing account and opening a new account.  Personally, that still sounds like a huge hassle if you have your direct deposit, bill pay, and other financial accounts linked to your old (compromised) account.  One positive is that your linked debit card will continue working with the new account.  Hopefully you are never in this situation, but at least your debit card will continue working, so you have access to your money.

This message came on my business checking account monthly statement and I do not have a personal checking account to verify if the message also shows up there.  I would assume this process would work the same regardless if you have a personal or business checking account.  If you have a Chase personal checking account and see the same message, please let me know.

If you have any questions about this process, please leave a comment below.  Have a great day everyone!

Check Out These Related Posts:

This entry was posted in Credit Cards and tagged Chase Bank, Checking Account, Free Stuff. Источник: https://travelwithgrant.boardingarea.com/2019/10/08/get-replacement-account-number-if-chase-checking-account-compromised-debit-card-still-works-effective-november-19/

How to close a Chase account

Before you close a Chase credit card, you should think long and hard about why you’re considering this move. In the meantime, you should also look into the alternative steps you could take that could change up your credit game for a goal (i.e., avoiding an annual fee) without all the downsides that come with closing your account completely.

While ditching your card how to find credit card account number chase ultimately make sense, the Chase 5/24 rule and other limitations from Chase can make getting a rewards credit card you’ve had in the past much more difficult if you change your mind.

This guide aims to explain how to close a Chase credit card account, as well as some alternate steps you could take instead.

How to close a Chase credit card

Chase doesn’t make it difficult to close your credit card account if that’s what you really want to do. Here are the steps you can take to close down your credit card account altogether.

Call Chase

If you’re wondering how to close a Chase account over the phone, you can begin the process by calling the customer service number on the back of your credit card. Once you get a customer service representative ready to assist you, let them know you want to close your credit card account altogether. While you’re on the phone, you’ll need to share information like your ZIP code, name and account number to prove your identity.

If you don’t want to call the number on the back of your Chase credit card, you can also reach Chase customer service at 1 (800) 432-3117.

Cancel your card online

Chase doesn’t offer an online chat feature like American Express does, but they do offer a secure way for you to contact them online. If you bank or manage your credit card account using Chase.com, you can ask Chase to cancel your card through their secure messaging system.

You’ll have to log into your Chase online account management page to do so. From there, head to your “secure messages” from the drop-down menu on the left side of the screen. Then, select the option that says “I have a question about one of my accounts.”Screenshot of Chase's Q&A portal

At that point, you’ll select the credit card account number for the card you want to close and write a simple message stating you want your account closed and can provide additional information if necessary.

Send a letter in the mail

You can also send a letter to Chase in the mail, which may make sense if you don’t manage your account online or feel like calling in to speak to someone. In your letter, you’ll want to include your name, account number, address and a brief message that says you want your Chase credit card account closed right away.

If you are wondering how to close a Chase credit card via snail mail, you can use the following address:

National Bank By Mail
P.O. Box 6185
Westerville, OH 43086

Does closing a Chase credit card affect your credit score?

Due to the way credit scores are determined, closing a credit card account can hurt your credit score—even if the card is rarely used. There are two main reasons this is true.

First, closing a credit card account shortens the average length of your credit history, which is used to make up 15 percent of your FICO score. Second, and most importantly, closing a credit card can reduce the amount of open credit you have and raise your credit utilization considerably.

Since this factor makes up 30 percent of your FICO score, raising your credit utilization rate through account closure should be your biggest concern. But, how would this factor come into play?

Imagine for a moment you currently have two credit cards—a Chase credit card and a Citi credit card. Each one has a limit of $10,000, so your total credit is $20,000.

Now imagine you just paid off the balance on your Chase credit card, but you still have $4,000 in debt on your Citi credit card. At this moment in time, your credit utilization rate is 20 percent since you owe $4,000 with a total credit limit of $20,000. However, closing your Chase credit card would leave you owing $4,000 in debt across $10,000 in total credit limits, so your credit utilization rate would increase to 40 percent overnight.

Options to consider before canceling your Chase credit card

If you are worried about damaging your credit score or you don’t necessarily want to ditch your Chase credit card altogether, there are a few smart options to consider:

Ask for Chase to waive the annual fee

If you are canceling your credit card because you don’t how to find credit card account number chase to pay an annual fee, keep in mind that you can always call Chase and ask them to waive the fee. They may or may not approve your request, but the worst they can do is say “no.”

Request a product change

You can also request a product change from one Chase credit card to another, a popular move among those who want to avoid paying high annual fees on rewards credit cards from Chase.

For example, you could call and ask to switch from the Chase Sapphire Reserve® with its $550 annual fee to the Chase Sapphire Preferred® Card with its $95 annual fee. This would let you save hundreds of dollars per year, yet you could continue earning points for travel in the Chase Ultimate Rewards program.

You could even product change to a cash back credit card with no annual fee, such as the Chase Freedom Unlimited®.

Safely store your credit card

Also, remember that you don’t have to close your credit card just because you don’t want to use it. You can store your card in a safe or a sock drawer, and you don’t have to get it out unless you really want to.

By keeping your credit card open without any activity, the account is still helping to lengthen your average credit history.

Closing a Chase credit card: FAQ

Can I close a Chase credit card with an outstanding balance?

You can cancel a credit card with an outstanding balance. However, you will still have to repay your remaining balance based on your credit card’s current terms and conditions.

Will Chase still charge me interest on a closed account?

Chase will still charge interest on remaining balances even after you close your credit card account. If they are going to raise your interest rate, they are required to give you 45 days of notice before they do.

Can you reopen a closed chase credit card account?

You cannot reopen a closed Chase credit card account, but you can apply for another Chase credit card or the one you had before. Just remember that Chase has rules that limit who can and cannot get their credit cards or earn a sign-up bonus.

For starters, the Chase 5/24 rule says you cannot get approved for a Chase card if you have had five or more credit cards within the last 24 months. Further, Chase has specific rules that govern their families of cards. If you read the fine print on how to find credit card account number chase Chase Sapphire Reserve®, for example, you’ll notice it says:

“The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You meredith village savings bank alton nh not receive the new cardmember bonus if you change products.”

The bottom line

Closing a credit card can sometimes be the right move, but there are definitely situations where you’re better off switching products or stashing your card away in a sock drawer. Make sure you consider all the options, as well as potential consequences you’ll face if you close your Chase card account for good.

There’s no real “right” or “wrong” answer that applies to everyone, but you should make an informed decision.

Источник: https://www.bankrate.com/finance/credit-cards/how-to-close-chase-account/

Are you trying to find your Chase Bank ABA Routing Number?

If so, you’re in the right place – JPMorgan Chase Bank (FDIC #628) has over 5,000 locations and it’s important that you remember where you opened your account.

(funny aside, if you’ve ever looked at your credit report and saw “JPMCB Card Services” listed – it’s J.P. Morgan Chase Bank!)

Your ABA routing number will be based on the state in which you opened your account. It’s not where you live now.

Don’t remember exactly where you may have opened it? No problem, we can help you find it out using one of these three ways:

  • Look up your routing number by state (if you remember)
  • Look for your routing number on your personal checks (if you have one available)
  • Call Chase Bank customer service and ask them for your routing number

Chase Bank Routing Number by State

If you remember, then you’re in luck because Chase has the simplest set of ABA numbers of all the major banks:

Chase Bank LocationRouting/Transit Number
Alabama065400137
Arizona122100024
Arkansas044000037
California322271627
Colorado102001017
Connecticut021100361
Delaware083000137
Florida267084131
Georgia061092387
Idaho325070760
Illinois071000013
Indiana074000010
Iowa075000019
Kansas103000648
Kentucky083000137
Louisiana065400137
Maine083000137
Maryland044000037
Massachusetts021000021
Michigan072000326
Minnesota075000019
Mississippi044000037
Missouri103000648
Montana044000037
Nebraska103000648
Nevada322271627
New Hampshire083000137
New Jersey021202337
New Mexico044000037
Chase Bank LocationRouting/Transit Number
New York – Downstate021000021
New York – Upstate022300173
North Carolina072000326
North Dakota044000037
Ohio044000037
Oklahoma103000648
Oregon325070760
Pennsylvania083000137
Rhode Island083000137
South Carolina072000326
South Dakota044000037
Tennessee065400137
Texas111000614
Utah124001545
Vermont083000137
Virginia044000037
Washington325070760
Washington, DC044000037
West Virginia051900366
Wisconsin075000019
Wyoming044000037

Many larger banks have far more complicated ABA routing number systems because they bought a lot of smaller regional banks in one area. The only overlap for Chase has to do with New York. The geographic definition of the New York Downstate region is Westchester County, New York City, and Long Island (Nassau and Suffolk Counties). If you aren’t sure if you’re upstate or downstate, read on for another way to find it.

Finding the Routing Number on Your Check

If you have a personal check, you have your ABA routing number.

At the bottom of the check there will be a few numbers separated by a pattern of three squares. These are for computers to read and they know that one of the numbers is the ABA routing number, one is the account number, and the last one is the check number.

In the example above, the nine-digit number highlighted in red is your ABA routing number. The green number, which is usually longer, will be your account number. The ABA routing number is always a nine-digit number and you can use this American Bankers Association Routing Number lookup tool to confirm it matches your bank.

Use the Chase Mobile App or Online Banking

If you have the Chase Mobile app, open it up and look for your bank account. Choose “Show details” and it’ll display both your routing number and your account number.

Alternatively, if you sign into your online banking account and navigate to your bank account, it’ll show you both if you choose “See full account number.”

Contact Chase Bank for Your Number

If you still can’t get your ABA routing number, the last option is to call Chase Bank.

The phone number is 1-800-935-9935 and they are available 24 hours a day, 7 days a week.

Different Routing Number for Wire Transfers

The ABA routing number is for domestic bank to bank transfers – if you need to send or receive a wire transfer, you’ll need a different number. Fortunately, it’s a far simpler system with just a few numbers.

The ABA routing numbers are useful only for ACH transfers. If you are receiving a wire transfer, then the code will be different – fortunately, it’s a simpler system with one number for domestic wire transfers and one for international wire transfers.

Wire transfers are “better” than an ACH transfer because they’re faster by a few days but they’re also more expensive. An ACH transfer is free, an incoming wire transfers costs $15 and an outgoing transfer costs $25-$45. (you can save $5 if you do it online vs. a branch)

  • Domestic wire transfer (Wire Routing Transit Number) – 021000021
  • International wire transfer (SWIFT/BIC Code) – CHASUS33

If you’re receiving a wire transfer, here’s the other information you may need to provide:

Bank NameJPMorgan Chase Bank NA
Bank Address270 Park Avenue
New York, NY 10017
(regardless of where your account is located)
BNF/Field 4200
Beneficiary acct. #
Your complete Chase Bank account number
including leading zeros
Beneficiary
account name
and address
The name and address of your account as it
appears on your statement

If you’re going to send a wire transfer, make sure you confirm all the details before you send the request. In almost all cases, wire transfers cannot be reversed. Also, keep the details nearby because the bank may call to confirm them before they send the wire.

There you go – pretty easy right?

Источник: https://wallethacks.com/chase-bank-routing-number/

How To Use Your Chase Credit Card Before It Arrives in the Mail

This post may contain affiliate links; please read our advertiser disclosure for more information.

how to get chase card number

How To Get Your Chase Card Before It Arrives in the Mail

Chase is one of the issuers that do not give you the credit card number as soon as you are approved. That’s frustrating when you have big spending coming up, but you don’t have the card yet to make the purchase. You can see the card in your Chase account, but there’s no way to use it! There is a workaround however that could make it possible to use your card right away.  Here is how to get your Chase card before it arrives in the mail.

How to Get Your Chase Card Number

Here’s how it works, you need to have a digital wallet set up to use it:

  • Set up a digital wallet with Apple Pay, Samsung Pay or PayPal.
  • Sign into the Chase Mobile app
  • Choose your new credit card on the app
  • Go to your digital wallet and then add your card

You should be able to use it right away going this route but you may not have access to the full credit limit.

how to get chase card number

 

Stores That Accept Mobile Wallet

Having access to Chase card number right away can be important for meeting the minimum spend requirement in time.  Especially if you have a big purchase you need to make right away.  Having access to mobile wallet purchases only, is limiting for sure, but here is a list of major retailers that accept mobile pay:

  • Best Buy
  • B&H Photo
  • Bloomingdales
  • Chevron
  • Disney
  • Dunkin Donuts
  • GameStop
  • Jamba Juice
  • Kohl’s
  • Lucky
  • McDonald’s
  • Office Depot
  • Petco
  • Sprouts
  • Staples
  • KFC
  • Trader Joe’s
  • Walgreens
  • Safeway
  • Costco
  • Whole Foods
  • CVS
  • Target
  • Publix
  • Taco Bell
  • 7-11
  • Public Transit Systems

There is some opportunity for large spend there. Mobile wallet plays a large role in the best option for Costco purchases actually. I am sure there are quite a few more locations out there that I missed but this is a promising list nonetheless.

Final Thoughts

So that is how to get your Chase card number right away. If you have big spending that you need to do right away, this method will come in handy. The options are somewhat limited since you can’t use mobile wallet everywhere but something is better than nothing.  I wish all issuers would give you a temporary credit number, like Amex does, to use until you get the card in the mail. It isn’t perfect but it is better than bank of america wire transfer routing number california this something you will take advantage of with your next Chase application?

HT: Doctor of Credit

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers. 

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How to find credit card account number chase -

How to Find My Account Numbers to Chase Bank

If you have a checking account with Chase Bank, you can find your account number online or on your checks or deposit slips. If you have a credit card account, you can find your account number online or on your credit card itself.

How to Find My Account Numbers to Chase Bank

Image Credit: max-kegfire/iStock/GettyImages

Finding Checking Account Numbers

If you have a checking account from Chase Bank or any other bank, and you have checks that came with your account, the account number will be printed on the bottom of the checks. There will also be a routing number provided, and you can use the two numbers to make deposits and withdrawals.

Your account number will generally also be printed on your bank statements. If you don't have a checkbook or paper statement handy, but you use online banking, you can look at your statements online to find the number.

Remember that if you have a debit card associated with your account, the number printed on the debit card is not the same as your checking account number. You can, however, still use your debit card number and PIN to access information about your account over the phone if you don't have your account number handy. You can also call Chase to inquire about your account number, though it is likely the bank will need other information to verify you're actually the account holder.

Keep your checking account and debit card numbers, as well as other information like your debit card expiration date, secure, because they could allow someone to access your account and even place fraudulent charges.

If you're in the process of applying for a Chase account, you can contact the bank for an application number until you get your checks, first statement or debit card.

Finding Credit Card Numbers

If you have a Chase credit card, you can find your account number directly on your card, along with other information you may need to make online or over-the-phone purchases like the card's expiration date and the security code. Of course, be sure to keep this information safe, because it can be used to make purchases in your name. You can access additional information about your credit card spending, billing and the terms of your plan, including interest rates, through Chase's website or by calling the number on the back of your credit card.

Lost or Stolen Cards

If you are unable to find your account number or information because your credit or debit card has been stolen, contact Chase immediately to have the card suspended and replaced.

Источник: https://www.sapling.com/5822374/account-numbers-chase-bank

Travel with Grant Advertiser Disclosure

Good morning everyone.  Yesterday afternoon, I got my Chase business checking account statement and there was a big message on the front page of the statement.  Beginning on November 19, 2019, if your Chase checking account is compromised, Chase will provide a replacement checking account number.  This avoids the hassle of closing your existing account and opening a new account.  Personally, that still sounds like a huge hassle if you have your direct deposit, bill pay, and other financial accounts linked to your old (compromised) account.  One positive is that your linked debit card will continue working with the new account.  Hopefully you are never in this situation, but at least your debit card will continue working, so you have access to your money.

This message came on my business checking account monthly statement and I do not have a personal checking account to verify if the message also shows up there.  I would assume this process would work the same regardless if you have a personal or business checking account.  If you have a Chase personal checking account and see the same message, please let me know.

If you have any questions about this process, please leave a comment below.  Have a great day everyone!

Check Out These Related Posts:

This entry was posted in Credit Cards and tagged Chase Bank, Checking Account, Free Stuff. Источник: https://travelwithgrant.boardingarea.com/2019/10/08/get-replacement-account-number-if-chase-checking-account-compromised-debit-card-still-works-effective-november-19/

Are you trying to find your Chase Bank ABA Routing Number?

If so, you’re in the right place – JPMorgan Chase Bank (FDIC #628) has over 5,000 locations and it’s important that you remember where you opened your account.

(funny aside, if you’ve ever looked at your credit report and saw “JPMCB Card Services” listed – it’s J.P. Morgan Chase Bank!)

Your ABA routing number will be based on the state in which you opened your account. It’s not where you live now.

Don’t remember exactly where you may have opened it? No problem, we can help you find it out using one of these three ways:

  • Look up your routing number by state (if you remember)
  • Look for your routing number on your personal checks (if you have one available)
  • Call Chase Bank customer service and ask them for your routing number

Chase Bank Routing Number by State

If you remember, then you’re in luck because Chase has the simplest set of ABA numbers of all the major banks:

Chase Bank LocationRouting/Transit Number
Alabama065400137
Arizona122100024
Arkansas044000037
California322271627
Colorado102001017
Connecticut021100361
Delaware083000137
Florida267084131
Georgia061092387
Idaho325070760
Illinois071000013
Indiana074000010
Iowa075000019
Kansas103000648
Kentucky083000137
Louisiana065400137
Maine083000137
Maryland044000037
Massachusetts021000021
Michigan072000326
Minnesota075000019
Mississippi044000037
Missouri103000648
Montana044000037
Nebraska103000648
Nevada322271627
New Hampshire083000137
New Jersey021202337
New Mexico044000037
Chase Bank LocationRouting/Transit Number
New York – Downstate021000021
New York – Upstate022300173
North Carolina072000326
North Dakota044000037
Ohio044000037
Oklahoma103000648
Oregon325070760
Pennsylvania083000137
Rhode Island083000137
South Carolina072000326
South Dakota044000037
Tennessee065400137
Texas111000614
Utah124001545
Vermont083000137
Virginia044000037
Washington325070760
Washington, DC044000037
West Virginia051900366
Wisconsin075000019
Wyoming044000037

Many larger banks have far more complicated ABA routing number systems because they bought a lot of smaller regional banks in one area. The only overlap for Chase has to do with New York. The geographic definition of the New York Downstate region is Westchester County, New York City, and Long Island (Nassau and Suffolk Counties). If you aren’t sure if you’re upstate or downstate, read on for another way to find it.

Finding the Routing Number on Your Check

If you have a personal check, you have your ABA routing number.

At the bottom of the check there will be a few numbers separated by a pattern of three squares. These are for computers to read and they know that one of the numbers is the ABA routing number, one is the account number, and the last one is the check number.

In the example above, the nine-digit number highlighted in red is your ABA routing number. The green number, which is usually longer, will be your account number. The ABA routing number is always a nine-digit number and you can use this American Bankers Association Routing Number lookup tool to confirm it matches your bank.

Use the Chase Mobile App or Online Banking

If you have the Chase Mobile app, open it up and look for your bank account. Choose “Show details” and it’ll display both your routing number and your account number.

Alternatively, if you sign into your online banking account and navigate to your bank account, it’ll show you both if you choose “See full account number.”

Contact Chase Bank for Your Number

If you still can’t get your ABA routing number, the last option is to call Chase Bank.

The phone number is 1-800-935-9935 and they are available 24 hours a day, 7 days a week.

Different Routing Number for Wire Transfers

The ABA routing number is for domestic bank to bank transfers – if you need to send or receive a wire transfer, you’ll need a different number. Fortunately, it’s a far simpler system with just a few numbers.

The ABA routing numbers are useful only for ACH transfers. If you are receiving a wire transfer, then the code will be different – fortunately, it’s a simpler system with one number for domestic wire transfers and one for international wire transfers.

Wire transfers are “better” than an ACH transfer because they’re faster by a few days but they’re also more expensive. An ACH transfer is free, an incoming wire transfers costs $15 and an outgoing transfer costs $25-$45. (you can save $5 if you do it online vs. a branch)

  • Domestic wire transfer (Wire Routing Transit Number) – 021000021
  • International wire transfer (SWIFT/BIC Code) – CHASUS33

If you’re receiving a wire transfer, here’s the other information you may need to provide:

Bank NameJPMorgan Chase Bank NA
Bank Address270 Park Avenue
New York, NY 10017
(regardless of where your account is located)
BNF/Field 4200
Beneficiary acct. #
Your complete Chase Bank account number
including leading zeros
Beneficiary
account name
and address
The name and address of your account as it
appears on your statement

If you’re going to send a wire transfer, make sure you confirm all the details before you send the request. In almost all cases, wire transfers cannot be reversed. Also, keep the details nearby because the bank may call to confirm them before they send the wire.

There you go – pretty easy right?

Источник: https://wallethacks.com/chase-bank-routing-number/

Chase Orbital Payment Gateway

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Chase is a leading credit card processor and payment gateway provider. Zuora is pre-integrated with Chase Orbital payment gateway and Chase NCB Account Updater service. To set up the Chase PMU service in Zuora, see Configure Chase Payment Method Updater for more information.

Supported versions and features

Zuora supports the following gateway versions:

  • Chase Paymentech Orbital Gateway, API v7.0.1 - Available to all Zuora customers.

  • Chase Paymentech Orbital Gateway - The latest version of the gateway. This version includes support for the Stored Credential Transaction framework from Visa, Mastercard, and Discover. In all other ways, this version is functionally equivalent to Chase Paymentech Orbital Gateway, API v7.0.1.

Zuora does not support version 6.3.0 or version 6.4.4 any longer. You cannot create new Orbital gateway instances in either of these versions, but existing instances in your Zuora tenant continue to work.

The following table compares a subset of features where there are changes in support between Orbital 6.3.0, Orbital 6.4.4, Chase Paymentech Orbital Gateway API v7.0.1, and Chase Paymentech Orbital Gateway. 

FunctionFeatureOrbital 6.3.0Orbital 6.4.4 Chase Paymentech Orbital 7.0.1 Chase Paymentech Orbital 
(Latest version)
VerificationAVS (Orbital)SupportedSupportedSupportedSupported
CVV (Orbital)SupportedSupportedSupportedSupported
AVS Filtering (Zuora)SupportedNot Supported,
Deprecated
Not Supported,
Deprecated
Not Supported,
Deprecated
CVV Filtering (Zuora) SupportedNot Supported,
Deprecated
Not Supported,
Deprecated
Not Supported,
Deprecated
Payment MethodsCredit CardSupportedSupportedSupportedSupported

Debit Card (Using Debit Card Networks)

Note: Canadian PAD is not supported.

SupportedSupportedSupportedSupported
Apple PayNot SupportedNot SupportedSupportedSupported
Bank Transfer (ACH)SupportedSupportedSupportedSupported
SEPA Direct DebitNot SupportedSupportedSupportedSupported
UK Direct DebitNot SupportedSupportedSupportedSupported
Safetech Fraud and SecurityNot SupportedSupportedSupportedSupported
Tokenization (using CC Ref Transactions)Not SupportedSupportedSupportedSupported
Payment ProcessingGateway OptionsSupportedSupportedSupportedSupported
Soft DescriptorSupportedNot SupportedSupportedSupported
Level 2 DataNot SupportedSupportedSupportedSupported
Level 3 DataNot SupportedSupportedSupportedSupported
Delayed Capture: Single CaptureSupportedSupportedSupportedSupported
Stored Credential TransactionsNot SupportedNot SupportedNot SupportedSupported
3D Secure 2.0Not SupportedNot Supported Not SupportedSupported
Payment Void/CancelVoidSupportedSupportedSupportedSupported
Refund ProcessingReferenced RefundsSupportedSupportedSupportedSupported
Non-Referenced RefundsSupportedSupportedSupportedSupported

Gateway Reconciliation

(Credit card only)

Payment SettlementNot SupportedSupportedSupportedSupported
Payment RejectionNot SupportedSupportedSupportedSupported
Payment ChargebackNot SupportedNot SupportedNot SupportedNot Supported
Refund Settlement/RejectionNot SupportedNot SupportedNot SupportedNot Supported

Prerequisites

Obtain a Chase Orbital Gateway Account on the Salem/Stratus Platform

Chase Orbital provides two host platforms for the Orbital Gateway: Salem (or Stratus) and Tampa. However, Zuora's only supports the Orbital Gateway (Salem/Stratus Platform).

If you have not yet signed up for a gateway account, get in touch with your account representative or our sales team through zuora.com. We can refer you to the right contacts to ensure that you are set up with a gateway account that is compatible with Zuora.

If you have an existing Chase Orbital gateway account, make sure it is using the Salem/Stratus Platform. 

Zuora does not support the Orbital Gateway (Tampa Platform) so please make sure your gateway account is configured using the right host platform. If you are not sure which hosting platform your Orbital Gateway is using, the Orbital Gateway (Tampa Platform) uses BIN 000002) and has a 12 digit PNS Merchant ID number.

Link Your Merchant ID to Zuora's Submitter ID

In order for Zuora to submit payment transactions to Chase Orbital gateway on your company's behalf, your Chase Obital Merchant ID(s), also known as the Presenter ID, will need to be linked to Zuora's Submitter ID (SID). If you are planning to configure more than one merchant ID number in Zuora, make sure all merchant IDs are linked to Zuora's SID. Alternatively, you can ask for your IDs to be linked to Zuora's SID at the chain level, which ensures the link is done at the company level and any merchant IDs associated with the company will be linked automatically to Zuora's SID. Please ensure both your Orbital Production and Test accounts are linked. 

You can work with your Chase Orbital relationship/account manager, or contact the Chase Orbital  support team to request the accounts be linked. Chase Orbital Support can be reached at 1-866-645-1314 or [email protected] If it is an urgent matter, please contact their support team by phone. Support is provided 24x7.

Zuora's Submitter ID: 056839.

Processing Error if Account is Not Linked

If you attempt to process test or production transactions in Zuora or create a new payment method, the following error may occur if your merchant IDs have not been linked to Zuora's SID: "ProcStatus:20412 - Precondition Failed: Security Information is missing. Error processing transaction."  If this error occurs, please contact Chase Orbital to ensure your accounts are properly linked. 

Set up Safetech

If you want to use the Safetech Fraud Security tool and Zuora’s Billing system, Chase Orbital and Zuora recommend that you reach out to your JP Morgan account manager before configuring in Zuora. You might have to sign a fee schedule specifically for Safetech, then you can obtain your Safetech ID. 

When you have secured your Safetech ID, request your JP Morgan account manager to put you in contact with a Safetech analyst who will assist you with training and setting up the Safetech tool. Once you are ready to implement, refer to Chase’s developer portal for Safetech specifications. 

The following table lists the fields that Zuora sends to Chase Orbital for Safetech integration. 

Safetech Field NameZuora Field NameComments
AccountNumCreditCardNumber 
ExpCreditCardExpirationMonth 
ExpCreditCardExpirationYear 
CurrencyCodegwOptions_CurrencyCode 
CardSecValCreditCardSecurityCode 
AVSaddress1CreditCardAddress1 
AVSaddress2CreditCardAddress2 
AVScityCreditCardCity 
AVSphoneNumPhone 
AVSzipCreditCardPostalCode 
AVSstateCreditCardState 
AVScountryCodeCreditCardCountry 
AVSDestzipgwOptions_AVSDestzip 
AVSDestaddress1gwOptions_AVSDestaddress1 
AVSDestaddress2gwOptions_AVSDestaddress2 
AVSDestcitygwOptions_AVSDestcity 
AVSDeststategwOptions_AVSDeststate 
AVSDestphoneNumgwOptions_AVSDestphoneNum 
AVSDestnamegwOptions_AVSDestname 
AVSDestcountryCodegwOptions_AVSDestcountryCode 
OrderIDgwOptions_GatewayOrderId 
CommentsgwOptions_Comments 
CustomerAnigwOptions_CustomerAni 
AVSPhoneTypegwOptions_AVSPhoneType 
AVSDestPhoneTypegwOptions_AVSDestPhoneType 
CustomerEmailEmail 
CustomerIpAddressgwOptions_CustomerIpAddress 
EmailAddressSubtypegwOptions_EmailAddressSubtype 
CustomerBrowserNamegwOptions_CustomerBrowserName 
ShippingMethodgwOptions_ShippingMethod 
KaptchaSessionIDgwOptions_KaptchaSessionID 
WebsiteShortNamegwOptions_WebsiteShortName 
CashValueOfFencibleItemsgwOptions_CashValueOfFencibleItemsWhen fraud score indicator is 2, this field is submitted.
CustomerDOBgwOptions_CustomerDOBWhen fraud score indicator is 2, this field is submitted.
CustomerGendergwOptions_CustomerGenderWhen fraud score indicator is 2, this field is submitted.
CustomerDriverLicensegwOptions_CustomerDriverLicenseWhen fraud score indicator is 2, this field is submitted.
CustomerIDgwOptions_CustomerIDWhen fraud score indicator is 2, this field is submitted.
CustomerIDCreationTimegwOptions_CustomerIDCreationTimeWhen fraud score indicator is 2, this field is submitted.
KTTDataLengthgwOptions_KTTDataLength 
KTTDataStringgwOptions_KTTDataString 

If you are using the Verify payment method REST API or Payment Pages 2.0 to verify a payment method, you must leverage the  parameter to pass in the values of the fields starting with "gwOptions_". See Client Parameters for Payment Pages 2.0 for more information. Note that the  client parameter for Payment Pages 2.0 is not applicable.

Enable the Orbital Gateway for Your Tenant

Once you have linked your merchant IDs to Zuora's SID, you can contact Zuora Global Support with your merchant ID number(s) so that our support team can enable the gateway in your tenant. 

Zuora recommends that merchants use Orbital 7.0.1 to pass additional Level 2 and Level 3 data potentially reducing transaction costs and to take advantage of additional reconciliation and security features.

Supported Gateway Reconciliation Event Types

Chase Orbital Gateway supports the following Gateway Reconciliation event types for payment reconciliation:

  • The chargeback event type of payment reconciliation is not supported by Zuora's implementation with the Chase Orbital gateway.
  • Only reconciliation through Credit Card payment method is supported by Zuora's implementation with the Chase Orbital gateway.

Configure the Orbital Gateway

To set up Orbital as your gateway, enter your Orbital credentials in the Settings > Payments > Setup Payment Gateway page. When selecting a Gateway Type, select Chase Paymentech Orbital Gateway or Chase Paymentech Orbital Gateway, API v7.0.1 from the dropdown list.

Common Fields for Configuration

There are some common fields you must complete for every gateway configuration. We recommend reviewing our Setting Up Payment Gateways documentation for information on these common fields: 

  • Name
  • Use Gateway Test Environment
  • Cards Accepted
  • Default Authorization Amount
  • Verify new payment method (optional)
  • Verify updated payment method (optional)
  • Enable AVS Filtering

If enabled, Zuora will decline Credit Card transactions for certain AVS response codes returned by the gateway, even if the gateway has approved the transaction. Default is disabled.

  • Enable CVV Filtering

If enabled, Zuora will decline Credit Card transactions for certain CVV response codes returned by the gateway, even if the gateway has approved the transaction. The default is disabled.

Credentials

In addition to the common fields, every gateway has unique requirements and information (such as credentials and certain rules) that you must provide to configure the gateway in Zuora. 

Industry Type

Industry type defines the industry type for the transaction and identifies how transactions are obtained.  This information is passed in the transaction request submitted to Chase Orbital. Please select the appropriate industry type, choosing from one of the following:

  • Mail Order Transaction
  • Recurring Payment
  • eCommerce Transaction
Select the Correct Industry Type

The Industry Type for your merchant account can be found by logging into your Orbital Virtual Terminal and viewing the setup for your merchant ID (MID). Alternatively, you can also contact your Chase Orbital Account Executive or Orbital support to determine which default Industry Type is set up for your MID(s). 

It is possible for your transactions to be obtained using an Industry Type that is different than the Industry Type set up for your MID. In this case, when configuring the payment gateway in Zuora, you should select the Industry Type for how the transaction is actually obtained. For example, you could have an MID whose default setup in Chase Orbital is eCommerce transaction, but the transactions are Recurring Payment. In this case, you would configure the Orbital payment gateway profile in Zuora using the Industry Type of Recurring Payment.

Generally, if you are accepting orders through your website, you will use the eCommerce transaction Industry Type, and if these transactions are accepted on a recurring basis, you will use the Recurring Payment Industry Type. However, please discuss with your Chase Orbital Account Executive or Orbital support to determine what industry type to use when configuring this gateway in Zuora. 

BIN

The BIN number is the Transaction Routing Definition and this is assigned by Chase Orbital. The Orbital Gateway (Salem/Stratus Platform) uses only BIN 000001. Therefore, when configuring your Orbital Gateway (Salem/Stratus Platform) in Zuora, you will see only one option to select from, that is Salem - 000001 or Stratus - 000001.

Merchant ID

The merchant ID (MID) is the merchant account number assigned to you by Chase Orbital. This Orbital MID is your Salem Division (TD) number. This MID number should be the same one you provided to Zuora Global Support to enable in your tenant, and the ID(s) will appear as a picklist in the gateway configuration page. If you have more than one Merchant ID number, you can set up multiple gateway configurations for each Merchant ID number.

The MID may also be referred to as the Transaction Division (TD) number or Presenter ID.

Merchant ID Format

The Orbital Gateway (Salem/Stratus Platform) MID is a 6 digit numeric value such as: 041756. This account number matches your host platform number. There are two host platforms available for the Orbital Gateway: Salem (or Stratus) and Tampa. The Orbital Gateway (Salem/Stratus Platform) uses a 6 digit numeric MID while the Orbital Gateway (Tampa Platform) uses a 12 digit numeric MID.

Zuora does not support the Orbital Gateway (Tampa Platform) so please make sure your gateway account is configured using the right host platform. If you are not sure which hosting platform your Orbital Gateway is using, the Orbital Gateway (Tampa Platform) uses BIN 000002) and has a 12 digit PNS Merchant ID number.

JPMPP Merchant ID

This is the ID of your merchant account used for strong customer authentication (SCA). Contact Chase Merchant Services to get your merchant account set up for SCA.

JPMPP Merchant Password

This is the password of your merchant account used for strong customer authentication (SCA). Contact Chase Merchant Services to get your merchant account set up for SCA.

Enable AVS Filtering

The following table is a list of AVS response codes that Zuora will reject when this setting is enabled.

CodeDescription
2Bill-to address did not pass Auth Host edit checks
5Edit-error - AVS data is invalid
EZip No Match / Zip 4 Match / Locale no match
GNo match at all
JCInternational street address and postal code not verified
N5Address not verified (International only)

Enable CVV Filtering

The CVV response code N = CVV No Match will be rejected by Zuora when this setting is enabled.

Soft Descriptor

Soft Descriptor is used to define the merchant name or product description that will appear on the customer's statement. This field is required if you want to use Soft Descriptor.

Merchant Phone Number

The merchant phone number or the phone number that is associated with your Orbital merchant account.

Setting Up Multiple Gateway Profiles for the Same MID

If you obtain payments using different methods, you may need to create multiple payment gateway profiles in Zuora using the same MID but with a different Industry Type selected in each profile.

If you accept all credit cards, it is recommended that you configure two gateway instances. One gateway for Visa and Mastercard with the default authorization amount set to $0. This will result in reduced transaction fees when payments are processed.

Configure a second gateway instance for all other credit cards with the default authorization amount set to $1 or higher. Default amounts set to $0 only applied to Visa and Mastercard. Processing other credit cards with this value will produce an error when the payment is processed.

Testing Your Configuration

We recommend that you test your selected payment gateway by using both your payment gateway's test and production (live) environments. Once you have completed testing in the gateway's test environment, it is recommended that you perform a test in your live production environment with a real credit card. If there are any differences in the configuration of your testing and production accounts, testing in production ensures your production merchant account is set up properly and can successfully connect to the production environment.

Accessing Your Gateway's Test Environment

Some payment gateways provide separate credentials for merchants to access their testing environment, some gateways use the same credentials for testing as for the production (live) environment but direct test transactions to a different URL, and other gateways do a little of both. To access the Orbital Gateway test environment, you simply have to select the Use Test Gateway Environment option in Zuora when configuring your payment gateway profile. 

Accessing Test or Production (Live) Mode from Zuora

When configuring the Orbital payment gateway in Zuora, you can indicate whether you would like to use the Orbital test environment or the Orbital production environment. 

  • If Use Gateway Test Environment is selected, Zuora will direct payment transactions to the Orbital test environment. The address for this system is , port 443.

You will be accessing a test environment linked to Zuora's submitter ID. This environment is a testing simulator.

  • If Use Gateway Test Environment is not selected (disabled), Zuora will direct payment transactions to the Orbital production (live) environment. The address for this system is , port 443.

Test Credit Cards and Testing Scenarios

Please contact the Chase Orbital Support team for test credit card numbers and testing scenarios. Their Merchant Certification Department can provide you with the appropriate documentation for testing. Chase Orbital Support can be reached at 1-866-645-1314 or [email protected] You can also explore Chase Orbital development center to search and find information.

General Testing Information

Integration Testing

Zuora has been certified with Chase Orbital as an integration partner and maintains the integration on an ongoing basis, thoroughly testing the integration with every new release. The Chase Orbital Gateway integration documentation is helpful if you are integrating the Orbital gateway directly with your website, however, you do not need to perform any integration or certification testing to submit transactions to the Orbital gateway via the Zuora application. The intended audience for the integration guides are technical integrators, however, these documents can be helpful to non-technical integrators who can refer to it for information on testing and troubleshooting gateway errors (as described below).

Performance and Volume Testing

In general, gateway testing environments are intended to give merchants the opportunity to test their gateway and integrations to their gateway, in order to work out any bug before going to the production environment. Some gateway test environments are shared amongst multiple merchants, and other gateways provide unique testing environments for each merchant. Additionally, gateway test environments (also referred to as certification or sandbox environments) do not have the same high availability or performance capability as production environments. As such, they are not intended for load testing. Merchants performing high volumes of load testing that puts a stress on a shared test environment may receive a warning from the gateway or have their access to the testing environment suspended.

Troubleshooting Gateway Errors

There are several ways to obtain information on gateway errors:

  1. Refer to Chase Orbital development center for information on response codes, values, and descriptions.
  2. Look up the transaction by the transaction ID number (in the Zuora payment detail page, this is the Reference ID and Secondary Reference ID numbers) in virtual terminal to see if more information is provided; often you will see more than just the response (reasons) code and response message in Zuora.
  3. If you require additional information, you can contact Chase Orbital Support can be reached at 1-866-645-1314 or [email protected]

ProcStatus Errors

ProcStatus errors are errors sent by the Chase Orbital gateway to Zuora, these transactions did not pass the gateway validation and thus were rejected by Chase Orbital. Such transactions do not get sent to the payment processor nor card issuing banks. Chase Orbital will return an error to Zuora with a definition of the error so that action can be taken by the customer (for example, fix the data provided for the payment method or use a different payment method).

ProcStatus:20412 - Precondition Failed: Security Information is missing. Error processing transaction.

If you attempt to process test or production transactions in Zuora or create a new payment method, the following error may occur if your merchant IDs have not been linked to Zuora's SID: "ProcStatus:20412 - Precondition Failed: Security Information is missing. Error processing transaction."  If this error occurs, contact Chase Orbital to ensure both your test and production accounts are properly linked.

ProcStatus Errors #839, 840, and 841 have to do with an invalid credit card account number.

These errors refer to "PAN" which stands for Primary Account Number (the credit card number). When the end customer encounters these errors, it is recommended that the user re-enter their credit card account information. Here are some specific PAN errors: 

  • 839 PWS_ERR_VALIDATION_PAN_LUHN Fix = Typically associated with a transaction where an account that does not pass our BIN/MOD10 check.

This error is typically associated with a transaction where an account does not pass Chase Orbital's BIN/MOD10 validation of the credit card number. BIN stands for Bank Identification Number and MOD10 refers to the checksum formula used to validate the credit card number.

Chase Orbital will validate the BIN by checking the first six digits of the credit card number, which are also known as the Issuer Identification Number (IIN). The BIN identifies the card issuing financial institution (for example Visa or MasterCard), and is used to route transactions to the appropriate card issuing banks for approval and settlement. 

The MOD 10 check-digit routine distinguishes whether a credit card number is valid by using an algorithm to compute the last digit of a credit card number based on a calculation of all the digits preceding the last number on a credit card. Refer to (search for MOD 10 check-digit routine) for an example of how the MOD 10 check-digit routine is performed on a credit card number.

  • 841 PWS_ERR_VALIDATION_PAN_RANGE Fix

This error is typically associated with a transaction where no credit card number is submitted to the gateway or the credit card number is invalid (for example, contains invalid characters or does not fall within a valid BIN Range). As mentioned above, the BIN is the first six numbers of a credit card that identifies the credit card type (for example: Visa or Mastercard), and the bin range is the range of numbers applicable to the credit card as designed by the card issuing bank. 

Make Sure You Are Not Re-Trying an Invalid Card Too Many Times

We recommend that you check the payment in Zuora to see how many times the same payment method has been re-tried for payment and failed. If there have been several retries, check the error messages from the beginning with the first failure and the more recent failures to determine if the error message is the same. If a merchant tries to process a payment against the same credit card too many times despite receiving errors, this could trigger warnings to the card issuing bank. The card issuing bank may place an alert on the account and not allow any further transactions from the merchant using that payment method. When a merchant has been flagged, the error received on the payment may not state the reason why, instead it might be a generic error decline error. In this case, the merchant (Zuora customer) should work with Chase Orbital Support to see if they can identify the problem with the payment method. If the processor does not know, then the merchant and/or the cardholder can try calling their card issuing bank to look into the issue.

Limitation

Currently, the following function/feature is not supported by Zuora's implementation with the Chase Orbital gateway:

  • Refund reconciliation
  • The chargeback event type of payment reconciliation
Источник: https://knowledgecenter.zuora.com/Billing/Billing_and_Payments/M_Payment_Gateways/Supported_Payment_Gateways/Chase_Orbital_Payment_Gateway

How the Chase 5/24 rule works and what it means for your Chase credit card applications

Select’s editorial team works independently to review financial products and write articles we think our readers will find useful. We may receive a commission when you click on links for products from our affiliate partners.

The United Club℠ Card, Chase Freedom® and Chase Slate® Credit Card are not currently in market. Please visit our list of the best balance transfer cards, best cash-back cards, and best Chase cards for alternative options.

Deciding when is the best time to apply for a new credit card is key, especially if you're looking to open a Chase credit card. While Americans have an average of four credit cards, those with more may run into Chase's "5/24 rule."

The 5/24 rule limits who can open a new Chase credit card, based on how many cards they have opened within the past two years. So, if you're looking to maximize travel rewards with the Chase Sapphire Reserve® or get out of debt with the Chase Slate®, you may need to calculate your 5/24 score before applying.

Below, Select explains how the Chase 5/24 rule works, so you can gauge qualification odds for Chase credit card applications.

What is the 5/24 rule?

Many card issuers have criteria for who can qualify for new accounts, but Chase is perhaps the most strict. Chase's 5/24 rule means that you can't be approved for most Chase cards if you've opened five or more personal credit cards (from any card issuer) within the past 24 months.

For instance, if you've opened two Citi cards and three Amex cards within the past 24 months, then you will likely be denied for a new Chase card until your 5/24 score decreases. There really aren't any workarounds to the 5/24 rule, beyond waiting for a new account to be over 24 months old.

What Chase cards are affected by 5/24?

While Chase doesn't publish which cards are affected by the rule, there are numerous reports on forums, such as Reddit, that report which credit cards are subject to 5/24.

The 5/24 rule reportedly affects most Chase credit cards, including:

Co-branded cards are also reportedly affected:

How to calculate your 5/24 score

If you've recently opened new credit cards and want to apply for a Chase credit card, you may not know where you stand for the 5/24 rule. To calculate your 5/24 score, simply review your credit report and count the number of accounts that were opened in the past 24 months.

This also includes if someone added you as an authorized user on their account. And any accounts that were opened within the past two years but also closed within that time should still be counted.

Does the 5/24 rule affect other card issuers?

No — other card issuers don't follow the 5/24 rule, so you may qualify for an Amex or Citi card if you've opened five accounts within the past 24 months. However, all card issuers have their own requirements and criteria for approving applicants.

Don't miss:

Information about theIHG® Rewards Club Traveler Credit Card,Chase Freedom®, Chase Slate®, Amazon Prime Rewards Visa Signature Card, Disney® Premier Visa® Card, Disney® Visa® Card, Starbucks® Rewards Visa® Card, United Club℠ Business Card, and United Club℠ Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
Источник: https://www.cnbc.com/select/how-chase-524-rule-works/

Don’t let Chase’s shutdown pattern bite you

In December 2017, TPG readers and members of several online points and miles communities began alerting us to a troubling experience: Chase shutting down of all their credit card accounts, and in many cases, terminating all of their Chase banking activities. Since 2018, I’ve continued to read and hear from many Chase customers who are now casualties of credit behavior which has resulted in losing access to arguably the most valuable credit cards and loyalty currency.

Related reading: How to maximize your Chase Ultimate Rewards points

The notification of shut down begins one of a few ways: 1) Your card is declined at time of purchase and you call in, only to be told your accounts have been closed; 2) You log in to your online account to a notification that your accounts are closed or 3) You receive the following letter in the mail:

Cardholders’ accounts are closed immediately, and they are given 30 days to use any Ultimate Rewards points left in their account. In some cases (but not always), personal cards and business cards are closed, while others reported that all of their Chase accounts, including non-credit card deposit accounts, were closed. There’s been no official timeline of when an affected customer can/could come back to the bank, but many people report being successful two years after the initial account closures.

Risky behavior

After speaking to at least a dozen people who’ve lost their Chase accounts and reading dozens more stories across Reddit and other online communities, there is a clear (but not exact) list of common behaviors that will put your relationship with Chase at risk.

Too many applications

There isn’t a precise limit on the number of Chase credit cards you can hold at a time. The 5/24 rule aside, I think it’s safe to say that if you get to six, you should probably refrain from further applications with the issuer. Many customers told me that they had between nine and 10 personal cards (as well as business cards) and then were flagged when they applied for the Iberia Visa Signature Card or World of Hyatt Credit Card. However, some were flagged only holding five and applying for a sixth, so there is some variation here.

Recently, at the end of 2019 and into 2020, there seems to have been an increased scrutiny on too many applications. TPG Senior News Editor Clint Henderson, a Chase deposit account and credit card customer for years and also well below 5/24, applied for the Chase Ink Business Preferred Credit Card and two personal cards all within three days. He did not receive approval decisions on any of the cards during his application process. His personal deposit and credit card accounts were shut down the next week and he was left with very little information as to why. He completed no other risky behaviors listed here. At the time of his applications, he held a Chase Sapphire card (a card only available to Chase cardholders) and the IHG Rewards Club Premier Credit Card (more on his story below).

Too much credit extended

If you reported your annual household income as $80,000 and have $150,000 in credit lines from Chase, a scenario like this could raise a flag to Chase underwriters. We can’t be sure how much is too much, and you could question why Chase would be willing to give this to you and then flag you for review. However, it’s Chase’s rules and algorithms, and they’re allowed to determine if you’ve been given too much credit, even after the fact.

Spend that does not match your income

In a similar manner, if you’re spending hundreds of thousands of dollars on your Chase cards, either for personal or business reasons, and your reported income is far below that, that could invite a review from the bank. This is an easy situation to avoid but one that evidently created unwanted attention for many former customers.

Cycling credit limits

If you’re given a $7,000 credit limit, max it out and pay it off multiple times within a single statement period, you’re cycling your card limit. This is a clear indicator of some of the above flags and another behavior commonly reported from those who have been shut down.

Payment variations

WASHINGTON, March 3, 2020 -- Photo taken on March 3, 2020 shows U.S. dollar banknotes in Washington D.C., the United States. The U.S. Federal Reserve lowered the target range for the federal funds rate by 50 basis points to a range of 1.00 percent to 1.25 percent, as the novel coronavirus disease poses

This is very hard to define, but I heard this multiple times when speaking with those that were shut down. If you’re paying your bill at various times throughout the month from a variety of checking accounts or other bill pay methods, it could get your accounts flagged. Moving money through multiple accounts is a common money laundering method and thus a likely reason why Chase would question the activity.

Too much spend too quickly

You’ve got your brand new World of Hyatt card, and you know you’re going to be a few elite-qualifying nights short of Hyatt Globalist status, so you quickly throw $15,000 or so on the card to earn six additional elite nights (two for every $5,000 you spend on the card). Without a pattern of large expenses to go on, Chase could question why a consumer would begin using such a large amount of credit so quickly. Once again, many customers with whom I spoke reported a large expense as the likely cause of the initial account review. It’s easy to wonder why Chase would give you a large credit line and then flag you for using it, but again, it’s the issuer’s rules and algorithms that govern your account status.

Related reading: 11 ways to meet credit card bonus minimum spending requirements

The dark side of rewards

There’s another side to this story which is often the most likely culprit in Chase severing ties with a cardholder. Loyalty points and miles are undeniably valuable assets. Anytime something of value is in circulation, there will be efforts to garner more of said currency. Sometimes this activity walks the line (or outright crosses the line) between following the rules and violating the terms and conditions of the applicable program.

In the reward space, this has led to two strategies:

  1. Manufactured spending, or MS for short (not to be confused with minimum spend)
  2. Brokering

Manufactured spending is putting expenses on a credit card, liquidating the purchase (sometimes with a minimal cost) and then paying off the card, leaving you with only rewards points. A simple, above-the-line example would be paying for a group dinner and then collecting cash from your friends; you essentially “manufactured” points or miles on your card without any money leaving your wallet. Now, this type of manufactured spending would never be cause for account closure (unless it falls into the above categories). However, there are other MS methods that are sketchier and thus could trigger an account review.

Brokering, on the other hand, is always against a program’s terms and conditions. This term refers to the selling, buying and/or trading of rewards points and miles between accounts. Discussion and execution of these practices now largely reside in secret Facebook, Slack and WhatsApp groups due to the quick closure of such techniques if they’re available to the public. It’s also highly likely that publicly advertising such behavior would result in immediate shut down of your account (hence the secrecy).

Now, it’s worth noting that there are ways to share points and miles between accounts that are fully allowed — like combining points from different Chase cards or converting cash-back earnings from Citi into fully-transferable ThankYou points. These are carefully spelled out in a program’s terms and conditions. It’s anything explicitly against these policies that puts your accounts in jeopardy.

Using credit cards and loyalty programs in this manner severely cuts into a bank’s revenue and is thus highly frowned upon. The majority of Chase shutdown stories I read and the people with whom I spoke had used one or both of these techniques with their cards and/or points, many to a rather eyebrow-raising level. Hundreds of thousands of dollars spent on cash equivalents like gift cards is now virtually certain to garner Chase’s attention at some point. This may not happen instantly, but it almost surely will over time.

There’s hope If you’ve received initial notification

Returning back to TPG Senior News Editor Clint Henderson’s story above, there is hope if you are shut down. Clint spoke with the Chase reconsideration line after receiving a letter in the mail that all of his accounts had been closed. Three days later he received word his Chase Sapphire and deposit accounts had been reopened, and he eventually ended up getting approved for the Ink Preferred card.

After speaking to a few other Chase customers who received the initial shutdown notification, they shared how they were also able to have their accounts reinstated after calling and appealing the decision. Legitimate large purchases — such as estimated tax payments — were sometimes the culprit of the account being flagged. However, for this to work, you need to have thorough, valid explanations for the purchasing patterns on your accounts, and documentation always helps. In addition, you must appeal within 30 days of the accounts being closed or you have no hope.

Unfortunately, in a few rare cases, Chase denied the appeal and the accounts remained closed, even with seemingly adequate explanations.

If you have an established relationship with your local Chase banker, that could be a good resource for you if you’re shut down when you should not have been. Head into your local branch and see what the staff could do for you.

Bottom line

Many of you are probably left wondering if this will impact you and will (naturally) want to ask about your specific situation: Will I be okay moving forward? The short answer is that we don’t know, and no one can give you a definite answer on what exactly will lead to Chase severing its relationship with you. However, if you’re using the rewards cards you have in the manner intended and your spending patterns match your reported income, then there’s little reason to worry.

The world of credit cards, points and miles is a long-term hobby. It’s important to think of it as a marathon, not a sprint. I want to be able to utilize every loyalty program in existence 15-20 years from now. I understand first hand how tempting it can be to jump on limited-time offers, and it’s not surprising that you want all of the points and miles now. I’ve had to tailor my own credit card spending patterns and behavior, as it has become clear that banks are on the lookout for anything seemingly suspicious. If you don’t want to risk being shut down, keep the long-term goals in focus and be responsible with the way you handle your credit from all banks, not just Chase.

Featured photo by Wyatt Smith/The Points Guy

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Welcome to The Points Guy!

Richard Kerr is the Loyalty and Engagement Editor for The Points Guy focused on creating content that educates and empowers TPG readers.
Источник: https://thepointsguy.com/news/dont-let-chases-shutdown-pattern-bite-you/
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