Stop a Chase recurring payment by canceling it in the Chase mobile app or online banking, or by calling Chase customer service
You can stop a recurring payment on Chase in three ways: through your Chase account online, through the Chase mobile app, or by calling Chase directly. The fastest route is usually the app or online banking—you can cancel in minutes without waiting on hold. If you cannot access your account or need immediate help, a phone call to Chase customer service will stop the payment before the next charge posts.
The payment will stop after you cancel it. If the charge has already posted to your account, you will need to dispute it separately or contact the merchant to request a refund. Canceling the recurring payment does not reverse charges that already went through.
Key Takeaways
- You can cancel a recurring payment through Chase online banking, the Chase mobile app, or by calling 1-800-935-9935 (the number on the back of your card).
- Canceling stops future charges, but does not refund money already charged—contact the merchant or dispute the charge if you need to recover a past payment.
- The merchant may still try to collect if you only cancel on Chase's side; contact the merchant directly to end the agreement with them.
- Chase will send you a confirmation when the recurring payment is canceled, so keep that record in case the merchant charges you again.
Cancel through Chase online banking
Log into your Chase account at chase.com and go to the Payments section. Look for "Manage Recurring Payments" or "Scheduled Payments"—the exact label varies by account type. Find the payment you want to stop, select it, and choose the option to cancel or delete. Chase will ask you to confirm the cancellation. Once you confirm, the recurring payment is stopped and you will receive a confirmation message on screen.
Write down the confirmation number or take a screenshot. This record proves you canceled on a specific date, which matters if the merchant charges you again after you have canceled.
Cancel through the Chase mobile app
Open the Chase mobile app and tap the menu icon (three horizontal lines). Go to Payments, then look for "Manage Recurring Payments" or "Scheduled Payments." Select the payment you want to stop and tap Cancel or Delete. Confirm your choice when prompted. The app will show a confirmation message—save or screenshot this for your records.
The app method is often faster than the website because you can do it from anywhere, even while on the phone with the merchant if needed.
Cancel by calling Chase customer service
Call the number on the back of your Chase card (usually 1-800-935-9935 for debit cards or 1-800-432-1000 for credit cards). Tell the representative you want to cancel a recurring payment and provide the merchant name and the amount charged. The representative will locate the payment in your account and cancel it. Ask them to email or mail you a written confirmation of the cancellation.
A phone call is useful if you are having trouble accessing your account online, if you want to cancel immediately and cannot wait for the app to load, or if you want to speak to someone about whether the merchant might charge you again despite the cancellation.
Contact the merchant to end the agreement
Canceling the payment on Chase's side stops Chase from processing future charges, but it does not notify the merchant that you no longer want the service. The merchant may still attempt to collect payment using a different method or may send you a bill. Contact the merchant directly—by phone, email, or through their website—and ask them to cancel your subscription or recurring service agreement.
Tell the merchant the date you canceled the payment with Chase. If they charge you again after you have canceled on both ends, you have a stronger case to dispute the charge or request a refund because you have evidence of cancellation from both sides.
What to do if a charge posts after you cancel
If the merchant charges you after you have canceled the recurring payment on Chase, the charge should not have gone through. Contact Chase immediately and explain that you canceled the recurring payment but were still charged. You can dispute the charge as unauthorized or fraudulent. Chase will investigate and typically refund the charge within 10 business days if the investigation confirms you canceled before the charge posted.
At the same time, contact the merchant and ask for a refund. Provide them with proof that you canceled the recurring payment on your bank's end. Many merchants will refund immediately once they see evidence of cancellation. If the merchant refuses and Chase's dispute investigation is still pending, Chase's dispute process will handle the refund.
Timing: when the cancellation takes effect
A cancellation usually takes effect immediately in your Chase account, but the merchant may have already submitted the next charge to Chase before you canceled. If the charge was submitted before you canceled, it will still post to your account. This is why timing matters: if you know a charge is coming on the 15th, cancel before the 15th, but understand that the merchant may have submitted it on the 14th and it will still go through.
After you cancel, watch your account for the next 30 to 60 days to make sure no further charges appear. If a charge posts after that window, contact Chase and the merchant again—it may be a duplicate or an error on the merchant's part.
Frequently Asked Questions
Can I cancel a recurring payment if I do not remember which merchant set it up?
Yes. Log into Chase and look at your recent transactions to find the merchant name and amount. If you still cannot identify it, call Chase customer service and describe what you remember about the charge—the amount, roughly when it started, or what service it might be for. The representative can help you locate it and cancel it.
Will canceling a recurring payment hurt my credit score?
No. Canceling a recurring payment does not affect your credit score. Your credit is based on your payment history, credit utilization, and other factors—stopping a subscription or service does not change any of those. The merchant may report the account as closed, but that is not negative.
What if the merchant says they never received notice that I canceled?
The merchant's records and Chase's records are separate. You canceled on Chase's end, which stops Chase from processing the charge. The merchant may not see that cancellation automatically. This is why you must contact the merchant directly. If they claim they never received notice, provide them with the date and confirmation number from your Chase cancellation and ask them to cancel on their end as well.
Can I cancel a recurring payment if my Chase card is expired or closed?
If your card is expired but your account is still open, you can cancel through online banking or the app. If your account is closed, call Chase customer service immediately—they can cancel the recurring payment even though the card is no longer active. This prevents the merchant from attempting to charge an expired card, which can trigger overdraft fees or other issues.
How long does it take for a canceled recurring payment to stop showing up in my account?
Once you cancel, no new charges should post. If a charge appears after you canceled, it was likely submitted before the cancellation took effect. Check your account for 60 days after cancellation to confirm no further charges appear. If they do, contact Chase and dispute them.