Chase Payment SolutionsSM
Modernizing thePoint-of-Sale Experience
A next-gen payments solution for small and medium-sized businesses
Elevated payments
In the fast-evolving landscape of small and medium-sized businesses (SMBs), the demand for an efficient and reliable Point-of-Sale (POS) solution has never been greater. More businesses are actively seeking ways to enhance operational efficiency while delivering exceptional customer experiences, fueling a shift towards modern hardware that embodies reliability, versatility, trust and security.
Chase Payment SolutionsSM, a part of Chase for Business® and J.P. Morgan Payments, recognized that SMBs are not one-size-fits-all, and hired frog to develop a solution from the ground up to cater to the distinct requirements of SMB owners. The result was the Chase Card ReaderTM: a physical manifestation of the Chase brand, reflecting a vision for a future of payments and banking that is led by modernity, quality and security.
Designed to work as a versatile POS system, the Chase Card Reader accepts all major credit card and digital wallet payments at a merchant’s place of business or on the go. This means they never miss a sale. It connects to the Chase Point of SaleSM app to provide all the essential features merchants and their teams need to manage sales, a product catalog, settings and more on a cloud-based platform.
The Chase Card Reader is part of a new suite of POS solutions built into a merchant’s Chase business bank account for easy and secure payment acceptance. Together, this suite offers the convenience and benefits of having payments, banking, lending, business analytics and more all in one place, accessible with one login, from a trusted leader in financial services.
Chase is the number one bank and merchant acquirer by processing volume in the U.S. 1 2 The Chase Card Reader enables businesses to grow with confidence by providing merchants with fast and reliable transactions and the flexibility to take payments wherever their customers are, all backed by the fortress-level security and trust that the Chase brand brings.
The Chase Card Reader brings value to businesses by upgrading the checkout experience through its sleek design, premium materials, modern features to speed up sales and the powerful Chase brand. When undocked, the pocket-sized, lightweight Chase Card Reader works as a portable POS device that can be used by merchants on the go.
1. JPMorganChase (2023) Annual Report
2. HSN Consultants, Inc (2024) Nilson Report, March
Arriving at<br>innovator status
Project highlights
Challenge
Bridging the gap
Small business merchants need reliable, convenient payments solutions that help elevate trust among their customers. Chase Payment Solutions wanted to create a solution that was easy-to-use, versatile, scalable and secure, enabling merchants to take payments on an integrated system that works seamlessly across their business management solutions.
Solution
Experience comes first
The team developed a mobile card reader for SMBs, designed to elevate the checkout experience for both in-store and on-the-go. Generative and evaluative research was used throughout the process to ensure merchant and user needs were met.
Outcome
Leading with differentiation
The outcome was the Chase Card Reader: a product that's unique, modern, versatile, user-friendly and caters to various merchant needs. This positions Chase Payment Solutions as a trusted innovator in the payment space, differentiating it from competitors.
Selling with trust
Helping merchants sell more
Chase is one of the most trusted banks in banking. A key part of the success of this project was using the Chase branding as an asset that brings a sense of security and helps merchants get business or make sales.
Anecdotal evidence from merchants has already come back stating that having Chase branding visible to customers is helping merchants close sales. This is because the design of the Chase Card Reader conveys that payments are securely managed by a trusted financial brand. There’s value with the Chase name reassuring customers and helping them feel more comfortable when making purchases.
Going deeper into the design
Finding the cohesive solution for all
The Chase Card Reader offers an end-to-end user experience that integrates a modern, modern, cloud-based POS system into Chase’s business banking platform to unlock unparalleled value for the merchant–reliable transactions at competitive prices, same-day access to funds and unique business insights at no extra cost, all conveniently managed in one account. Hardware and software were designed together, resulting in a product that is cohesive, user-friendly and easy to scale–merchants can add the Chase Card Reader, the Chase POS TerminalTM, Invoicing from Chase and online solutions as their businesses evolve.
The device supports all contactless and chip card payments and communicates the full transaction process to both customer and merchant on the Chase Card Reader’s bright LCD screen. Additionally, the reader pairs with the Chase Point of Sale app to unlock Chase POS software features, such as product catalog, inventory management, card and cash sales reporting and preset tax, tip and discount prompts.
Key features of the design included a unique round form factor that was inspired by Chase’s brand language and logo mark, and the inclusion of a screen for transparent and reassuring transactions. The product also addresses the evolving needs of businesses, by catering to the shift towards wireless and contactless payment methods.
The visual design features clear directions, accessible graphics, intuitive feedback as well as consideration for the product environment.
When used in stationary mode, the Chase Card Reader was designed to dock at an ideal viewing angle. Additionally, there is the option to anchor the device to the countertop for theft prevention.
The card reader is battery-powered for on-the-go payments. Thanks to the long-lasting battery, merchants can make up to 120 transactions on a single charge. The dock functions as a charging station when plugged in and the reader is placed on top.
Premium materials were used to differentiate the solution in the market, including the choice to build the base in aluminum and the scratch-resistant materials used for the bright LCD display.
The Chase Card Reader and dock provides flexibility in setup, accommodating transactions for all business types.
With its user-friendly design and intuitive interface on the circular display, the reader streamlines payment processing for both merchants and their customers while enabling a safe and secure transaction.
The Chase Card Reader and dock allows flexibility in setup, accommodating transactions for all business types.
The Chase Card Reader and dock allows flexibility in setup, accommodating transactions for all business types.
With its user-friendly design and intuitive interface on the circular display, the reader streamlines payment processing for both merchants and their customers while enabling a safe and secure transaction.
Payment made easy
The Chase Card Reader is an innovative physical manifestation of the brand and a high-functioning POS device that serves SMB merchant needs.
The process was led by a desire to continue to build trust with merchants and users through modern hardware. The goal was not to force users to adapt to a new POS system, but instead supports them in the way that they would like to use the system to suit them.
Whether it’s a brick-and-mortar store or a mobile service on the go, merchants using Chase Card Reader are equipped with a reliable, efficient tool at their fingertips, capable of handling a wide range of payment methods and transaction types.
By addressing diverse needs SMBs have across services and retail, this initiative emphasizes a commitment to evolving commerce through a payments solution that merchants and customers can rely on.
With this sleek new offering, Chase Payment Solutions shows its commitment to offering best-in-class products and experiences for its customers.
