Chase Payroll: Cost, Requirements, and How to Get Your Pay Stubs (2026)

Chase payroll looks simple from the outside, then you hit the catch. Chase does sell payroll to small businesses, it runs on Gusto's technology, and the pricing is published. But one requirement decides whether you can buy it, and most guides skip past it. Below: what it costs, what it leaves out, and how employees get pay stubs. Need a document today? Create a pay stub online instead.

Key Takeaways

• Sold only to Chase Payment Solutions clients, so a business checking account alone will not get you in.
• Pricing is $39 per month including the first person paid, plus $5 per additional person and $5 per contractor paid that month.
• Gusto Embedded powers the processing, tax filing and fund transfers behind the Chase brand.
• Employees see pay stubs in an Employee Portal that is optional and invite-only, and contractors get no pay stubs at all.
• There are no benefits, no workers' comp, no HR tools and no accounting integrations.

What Is Chase Payroll and Who Runs It?

Chase Payroll is a small business product built on Gusto Embedded, the partnership Gusto announced on September 14, 2023. It runs inside Chase Business Online on your existing banking login, and Gusto handles payroll processing, tax filing and fund transfers behind the scenes.

Owners call it Chase Payroll powered by Gusto, after the product page label. Gusto is the registered agent on the direct deposit authorization form, so your bank may show the debit coming from Gusto. Chase business banking payroll shares a dashboard with your deposits, but it is not ACH Payroll, which moves money without being your payroll provider.

Who Can Use Chase Payroll? The Chase Payment Solutions Requirement

It is, in Chase's words, exclusively available to Chase Payment Solutions clients in the United States. You cannot buy it standalone, and a Chase business checking account alone does not qualify you. You need the merchant services account first, even if you never accept card payments.

That line sits on the Chase for Business payroll page, and plenty of owners only find it after they have already started shopping. Chase business checking payroll integration is real, but downstream of the merchant account. Coverage is 50 states, no territories.

How Much Does Chase Payroll Cost?

Chase Payroll costs $39 per month including the first person you pay, plus $5 for each additional person and $5 for each contractor paid that month. Chase's example: three employees and one contractor comes to $54. Billing starts after your first payroll run, with no contract.

Chase Payroll account features are priced flat, but the required merchant account carries separate pricing Chase does not publish, so treat your total as unknown. Most Chase Payroll software reviews quote the $39 and stop there, which is exactly why the merchant-account cost blindsides people.

What Chase Payroll Does and Does Not Do

Chase business payroll services cover the core, per Chase's own payroll support hub.

Two cautions. If you want Chase payroll and HR management solutions, the HR half is missing. And the product page advertises time tracking while the support hub says the opposite, so get it in writing. Chase Payroll cards come up a lot in searches, but Chase does not document them anywhere on its own pages. Same story for a Chase Payroll advance, so do not build your cash flow around either one.

How Do Employees Get Pay Stubs From Chase Payroll?

Employees see pay stubs in the Employee Portal, but it is optional and invite-only. Your employer sends that invite from the People tab in the payroll dashboard. If you never got one, your employer has to pull the stub from Documents and send it over to you. Contractors do not receive pay stubs at all.

Staff paid by paper check still get a pay stub showing their net pay, and anyone with portal access keeps that access after they leave. Employees cannot phone payroll customer service; Chase routes them to their employer.

One clarification, because these searches blur together. If you work for the bank itself, none of this applies; see how to access a Chase pay stub. JPMorgan Chase employee payroll is internal and JPMorgan Chase payroll services for staff are a different thing. The JPMorgan Chase employee payroll website for alumni is the Former Employee Support Center.

Taxes, W-2s and 1099s

Chase payroll processing reads each employee's Form W-4, applies pre-tax deductions and post-tax deductions such as a garnishment, and files Form 940 for FUTA, Forms 941 and 944, plus your W-2, W-3, 1099 and 1096 filings with the IRS. Employees can check it once they know how to read a W-2. Gusto debits and remits, so you never log into EFTPS. You still supply your EIN and state SUI rate, and keep I-9 forms yourself.

Is Chase Payroll Right for Your Business?

It fits if you already process card payments with Chase, pay a small U.S. team, and want Chase business checking payroll services on one login. Chase Bank payroll services fit poorly if you need benefits, workers' comp, printed checks or accounting integrations. If a merchant account makes no sense for you, a standalone payroll service provider is cleaner, and the payroll tax rules do not change.

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Conclusion: The Bottom Line

Chase Payroll is narrowly scoped, clearly priced, and has one string attached: you have to be a Chase Payment Solutions client. Check that box before you get attached to the pricing.

Whichever provider you use, you still need clean pay records. Create a pay stub in minutes with ThePayStubs.com when you need proof of income for a lease or a loan.