If you’re here because your Chase payment setup feels clunky, scattered, or expensive, you’re not alone. Many businesses using Chase merchant services start to feel the strain as they grow. Whether it’s through Chase Payment Solutions, Orbital, WePay, the Chase Digital API Gateway, or the legacy Paymentech platform, the issues follow a familiar pattern.

Hidden fees begin to add up. Manual work creeps in due to limited integration. Support is inconsistent, and tools rarely feel connected. The day-to-day operations become harder to manage than they should be.

At the center of these frustrations is Chase’s “bank-first” approach. Its systems were built to prioritize banking infrastructure, not modern merchant workflows. The technology hasn’t kept pace with current business needs and offers few native connections to ERPs, accounting platforms, or ecommerce systems. That leaves teams cobbling together third-party plugins or working across multiple Chase tools just to cover basic tasks.

Instead of forcing you to adapt, EBizCharge integrates into the tools you already use. It’s a payment solution designed to match how your team works.

The EBizCharge solution comes with direct integrations into over 100+ business platforms like QuickBooks, NetSuite, SAP, Oracle, Sage, and Acumatica. Transactions sync automatically, and there is no need to re-enter data or spend extra time sorting through spreadsheets to reconcile payments. The pricing is straightforward, support is reliable, and switching over is more manageable than most teams expect.

For many businesses, the problems with Chase aren’t just occasional frustrations. They are patterns that keep repeating. Over time, these issues start to affect cash flow, team bandwidth, and the customer experience. Companies don’t switch providers lightly, but once these pain points start stacking up, it becomes clear the current setup is holding the business back.

Why Businesses Switch from Chase Merchant Accounts

For many businesses, problems with Chase build up slowly. Manual work increases, support slows down, and fees become harder to track. Over time, the system just starts getting in the way of day-to-day operations.

Disconnected Tools and Manual Work

Many Chase users run into the same core issue: none of the systems talk to each other. Chase Payment Solutions, Orbital, WePay, the Digital API Gateway, and legacy Paymentech all operate in their own silos. This fragmentation means that payment data rarely flows into your accounting or ERP systems without some kind of manual workaround.

When systems stay isolated, the workload shifts to your team. Businesses end up re-entering transactions by hand, chasing down missing records, and maintaining separate systems for their gateway, processor, and merchant account. Over time, this patchwork setup eats into team time and increases the chances of costly errors.

Tools That Don’t Support How You Work

Chase’s built-in functionality often falls short for businesses with real operational needs. Pre-authorizations can fail or expire before charges go through, especially in industries with longer order-to-fulfillment cycles. Invoicing and billing tools are basic, which can slow down collections and increase Days Sales Outstanding (DSO).

Beyond billing and transactions, reporting is another pain point. Reporting features are limited and inflexible, making it hard to track performance or get a clean view of what’s going on with your payments. These gaps force teams to rely on manual processes or bolt on third-party tools just to stay afloat.

Unclear Fees and Payment Errors

One of the most common complaints is about pricing. Chase’s fee structure is hard to follow and often full of small charges that add up. These include monthly service fees, statement fees, PCI compliance fees, and others that aren’t always disclosed clearly. High processing rates can cut into margins, especially for companies with large transaction volumes.

The challenges don’t stop at pricing. Businesses have reported issues with customers being charged twice due to system errors. These kinds of problems shake trust and create unnecessary cleanup work.

Support That’s Hard to Reach When It Matters

When something goes wrong, getting help isn’t always easy. International support is known for long wait times and vague answers. In more serious cases, businesses have reported having funds withheld or accounts frozen with little warning or explanation.

To make matters worse, responsibility is often scattered. When your merchant account, gateway, and processor are handled by different teams, it’s often unclear who to contact or where the responsibility actually falls. That delay can lead to cash flow problems or strained customer relationships. At the same time, Chase’s security features tend to be limited to the basics, leaving little room for customization or more advanced fraud controls.

The Tipping Point for Growing Businesses

None of these issues exist in isolation. It is the combined effect of unclear pricing, slow support, and disconnected systems that drive businesses to look elsewhere. When payments start getting in the way of daily operations, it is a sign that the current setup no longer fits. That is why many businesses begin considering alternatives like EBizCharge.

Why EBizCharge is a Great Alternative

EBizCharge takes a different approach by starting where your business actually operates. It connects directly to your ERP, accounting, CRM, or e-commerce systems. This foundation makes payments feel like part of your workflow, not an extra layer. It simplifies operations, cuts down on manual work, and gives your team the tools they need to move faster.

All-in-One Platform

EBizCharge combines the merchant account, gateway, and processor into one system. You no longer need to juggle vendors or route support tickets across multiple departments. One platform, one team, and one point of contact.

Native ERP and Accounting Integrations

The platform connects directly with over 100 systems, including NetSuite, QuickBooks, SAP, Microsoft Dynamics, Sage, and more. These native integrations ensure that payment data flows directly into your existing tools with no double entry, no third-party plug-ins, and no delays.

Automated Reconciliation and Pre-Authorizations

EBizCharge matches payments to invoices automatically, helping finance teams close out faster and with fewer errors. It also handles automatic pre-authorizations, making it easier to secure funds up front for orders fulfilled later.

Transparent, Flexible Pricing

The pricing model is clear and easy to understand. There are no hidden fees buried in your statement. For businesses looking to reduce costs even further, EBizCharge supports compliant surcharging to bring net processing fees close to zero.

Customer-Friendly Billing Tools

Customers can pay through secure email links, a branded customer portal, recurring billing, or autopay. These tools make it easier for clients to pay on time and reduce the number of overdue invoices. Less chasing, more collecting.

Advanced Reporting and Visibility

EBizCharge gives you clear, real-time access to payment activity, trends, and chargebacks. The reporting tools are built in, so there’s no need to export data or build custom dashboards just to get insights.

U.S.-Based Support and Chargeback Help

Support is handled in-house by a U.S.-based team that understands the product and your systems. You also get access to a dedicated chargeback team that can help resolve disputes quickly and with less back-and-forth.

Built-In Security and PCI Compliance

The platform is PCI-certified and built with enterprise-grade protections. That means sensitive payment data is secure and your compliance requirements are covered without added effort from your team.

Now that you’ve seen how EBizCharge is built to solve real payment challenges, let’s walk through what the actual switch from Chase looks like step by step.

5 Steps to Switch From Chase to EBizCharge

Switching from Chase to EBizCharge can usually be done with no downtime. Payments continue without interruption as long as EBizCharge is fully set up before you close your Chase account. Follow these five steps to ensure a smooth, organized transition.

Step 1: Onboard with EBizCharge

Set up your new merchant account with EBizCharge.

1. Visit the EBizCharge website and fill out the “Contact Sales” form or contact their onboarding team.
2. After approval, you’ll receive credentials and a welcome kit to begin setup.
3. Follow the guided setup process to complete initial configuration.

Notes:

• Guided onboarding is available through EBizCharge’s support team. They can walk you through setup, configuration, and integration after you fill out the form on the website.
• Minimal effort is required during onboarding because the setup process is streamlined and does not require heavy technical involvement, making it easy for teams to get started quickly.

Step 2: Connect EBizCharge to Your ERP System (if applicable)

1. Confirm whether your business uses an ERP, accounting, or eCommerce platform.
2. Use EBizCharge’s native integration to connect your existing system.
3. Enable payment processing directly within your software workflow.
4. If not using an ERP, set up access to EBizCharge’s virtual terminal or payment portal.

Notes:

• Native integrations reduce complexity because they let you accept payments, apply them to invoices, and sync records automatically within the software you already use. You do not need third-party plugins, extra logins, or separate reconciliation steps.
• Web tools are available for businesses not using ERP or integrated software, including a secure virtual terminal, customer payment portal, and email payment links. These tools allow you to accept payments immediately, manage invoices, and offer convenient options to your customers without needing to change your internal systems. You still get the full functionality of EBizCharge, even if you’re not using a connected platform.

Step 3: Start Processing with EBizCharge

1. Begin live payment processing through EBizCharge once integration is complete.
2. Configure account settings such as user roles, gateway preferences, and automation options.
3. Run test transactions to verify everything is working properly.

Notes:

• Keeping your Chase account active during this phase is recommended because it ensures there are no disruptions in payment processing.
• Running both systems side by side temporarily gives you time to confirm that everything is functioning as expected before you fully transition.

Step 4: Contact Chase to Initiate Cancellation

1. Reach out to Chase Payment Solutions support to request account closure.
2. Follow their cancellation steps, which may include submitting a form or written request.
3. Confirm that your request has been received and is in progress.

Notes:

• A formal cancellation request is required because Chase will continue billing until you officially close the account.
• Getting written confirmation is important so you have proof that the account has been fully closed.

Step 5: Finalize the Chase Account Closure

1. Log in and transfer out any remaining funds from your Chase merchant account.
2. Confirm that all cancellation steps are completed.
3. Request written confirmation that your account has been closed.

Notes:

• Make sure funds are transferred in advance to avoid delays or complications after the account is closed.
• Save a copy of your confirmation email or letter in case you need to reference it later.

By following these five steps, you can switch from Chase to EBizCharge with minimal disruption and no downtime. Let EBizCharge handle setup and integration first, then close out your Chase account once everything is up and running. This approach ensures a clean transition with no interruptions in payment processing.

Summary: Why Businesses Switch to EBizCharge

Most businesses don’t switch payment providers just to save a few basis points. They switch because their current setup is slowing them down, creating friction, or taking too much manual effort. EBizCharge is designed to remove those roadblocks and give teams the tools they actually need.

Hours Saved Through Automation

EBizCharge eliminates manual reconciliation by syncing payments directly into your accounting or ERP system. This saves hours each week and frees your team to focus on higher-priority tasks.

No More Hidden Fees

Pricing is transparent and predictable. No surprise charges. No unexplained fees on your statements. You always know what you’re paying and why.

Better Reporting and Visibility

See payment data inside the tools you already use. EBizCharge provides real-time reporting, easier reconciliation, and better visibility into paid, pending, and overdue invoices.

Stronger Security from Day One

EBizCharge is PCI-certified and built with enterprise-grade security. Your customer data stays protected without needing additional compliance tools.

Real Support from Real People

Support is handled in-house by U.S.-based teams who know the product and your software. No long holds, no outsourcing, no ticket limbo.

A Platform Built Around Operations

EBizCharge adapts to your business, not the other way around. Whether you send invoices through QuickBooks, use NetSuite for AR, or manage subscriptions through a portal, EBizCharge fits directly into your existing workflows.

Still have questions about making the switch? Here are some of the most common ones businesses ask before moving to EBizCharge.

Frequently Asked Questions

Will switching processors interrupt my day-to-day operations?

No. Most businesses experience zero downtime during the switch. You can keep accepting payments through your existing provider until EBizCharge is fully set up and running. This overlap ensures a smooth transition with no disruption to your operations.

How does this impact my customers’ payment experience?

It improves it. EBizCharge offers modern, flexible payment options like click-to-pay email links, secure customer portals, mobile-friendly checkout screens, and recurring billing. Customers can pay faster and more easily, which often leads to better cash flow and fewer follow-ups.

Does EBizCharge work with our ERP, accounting system, or ecommerce stack?

Most likely, yes. EBizCharge integrates natively with over 100 platforms, including QuickBooks, NetSuite, Sage, SAP, Microsoft Dynamics, WooCommerce, Magento, and many more. These direct integrations make it easy to embed payments into your existing tools without changing how you work.

Can we continue banking with Chase after the switch?

Yes. You can keep your Chase bank account and continue using it for deposits, payroll, and general banking. The switch to EBizCharge only replaces your payment processor and merchant account. Your banking relationship with Chase can remain exactly as it is.

Does EBizCharge require contracts or long-term commitments?

No long-term contracts are required. You can use EBizCharge without being locked into a multi-year agreement. The focus is on providing value and support without needing to tie you down with heavy terms or exit fees.

Does EBizCharge support surcharging or convenience fees?

Yes. EBizCharge offers compliant surcharging tools that allow you to pass on processing fees to customers where legally permitted. You can also add convenience fees when needed, helping reduce or eliminate out-of-pocket processing costs if that fits your billing strategy.

Ready to Move on from Chase?

If your current payment setup feels slow, disconnected, or more expensive than it should be, it may be time for a change. EBizCharge gives you a simpler way to manage payments with tools built around your actual operations, not just transactions.

Getting started is easy. There’s no disruption to your existing workflow, no long-term contract, and no pressure to commit until you’re ready.

Start the transition by visiting ebizcharge.com and completing the onboarding form today. A dedicated team will walk you through setup, integration, and everything you need to switch without missing a beat.

Your future payment process can be faster, clearer, and a lot less frustrating. Let EBizCharge help you get there.