You can cancel a pending payment on the Chase mobile app or website before it leaves your account
A pending payment is money you have scheduled to send but that has not yet been deducted from your account. On Chase, you have a window of time to cancel it — usually before the payment processes, which often happens the next business day. The exact timing depends on when you scheduled the payment and what time of day you cancel it.
The fastest way to cancel is through the Chase mobile app. You can also cancel through Chase.com on a computer. If you miss the window to cancel yourself, you can contact Chase directly, though reversing a payment that has already processed takes longer and follows different steps.
Key Takeaways
- Pending payments can be canceled through the Chase app or website as long as the payment has not yet processed, usually within 24 hours of scheduling.
- To cancel on the app, open the payment, select the option to cancel or delete, and confirm — the money stays in your account when ready.
- Payments scheduled for a future date are easier to cancel than payments scheduled for today, because they have not yet entered the processing queue.
- If a payment has already processed and left your account, canceling it requires contacting Chase and following a reversal or dispute process instead.
- Chase does not charge a fee to cancel a pending payment, but you may face late fees from the payee if the original payment was meant to cover a bill.
How to cancel through the Chase mobile app
Open the Chase app and go to the section where you manage your payments. This is usually labeled "Pay & Transfer" or "Payments" depending on your account type. Look for the list of pending or scheduled payments — these will show a status like "Pending" or "Scheduled" rather than "Sent" or "Completed."
Tap on the payment you want to cancel. The app will show you the payment details: the amount, the payee, and the date it is scheduled to process. Look for a button or menu option that says "Cancel Payment," "Delete," or sometimes a three-dot menu icon. Tap it and confirm that you want to cancel. Chase will ask you to confirm once more before the cancellation goes through.
Once you confirm, the payment is canceled and the money returns to your available balance. This usually happens when ready, though it may take a few minutes for the app to refresh and show the updated balance. You will see a confirmation message on the screen, and Chase typically sends a confirmation email as well.
How to cancel through Chase.com on a computer
Log into your Chase account at Chase.com and navigate to the payments section. This is usually found under "Pay & Transfer" in the main menu. Look for a tab or link that shows "Pending Payments" or "Scheduled Payments."
Click on the payment you want to cancel to open its details. You will see the payee name, amount, and scheduled date. Look for a "Cancel" or "Delete Payment" button — on most Chase accounts this appears near the top or bottom of the payment details box. Click it and confirm your cancellation when prompted.
The payment will be canceled and the funds will return to your account. Chase will display a confirmation message on the screen and send a confirmation email to the address on file.
Why the timing matters: same-day versus future payments
Payments you schedule for today are riskier to cancel because they enter the processing queue almost when ready. If you scheduled a payment for today and it is already mid-afternoon, the payment may have already processed even though the app still shows it as pending. Once processing begins, you cannot cancel through the app — you have to contact Chase instead.
Payments scheduled for tomorrow or later are much safer to cancel because they have not yet entered the processing queue. You can cancel these up until the scheduled date, and in most cases up until early morning on the day they are set to process. If you are unsure whether a same-day payment has processed, check your account balance: if the money is already gone, the payment has processed and you cannot cancel it through the app.
What to do if you cannot cancel through the app
If the payment has already processed — meaning the money has left your account — you cannot cancel it through the app or website. Instead, you will need to contact Chase to request a reversal or dispute. Call the number on the back of your card or use the "Contact Us" option in the Chase app to reach customer service.
Tell Chase that you want to reverse or recall the payment. They will ask you for details: the payee, the amount, and the date it processed. Chase can attempt to recall the payment, but success depends on whether the payee's bank has already accepted and deposited the funds. If the money has been deposited, Chase may be able to dispute it, but that process is slower and more complicated than a straightforward cancellation.
In some cases, Chase can contact the payee directly on your behalf to request the money back. This is faster than a formal dispute but only works if the payee cooperates. Be prepared to wait several business days for a response.
Common reasons payments fail to cancel
The most common reason a cancellation fails is that the payment has already processed. Chase processes most payments overnight, so a payment scheduled for today may process between midnight and early morning. If you try to cancel after processing has begun, the app may not let you, or it may show the payment as already sent.
Another reason is that you are looking at the wrong payment. If you have multiple payments scheduled to the same payee, make sure you are canceling the correct one. Check the amount and date carefully before confirming the cancellation.
Occasionally, the Chase app has a delay in updating. If you cancel a payment but the app still shows it as pending a few minutes later, wait a few more minutes and refresh the app. The cancellation usually takes effect within 5 to 10 minutes.
What happens to your money after you cancel
Once you cancel a pending payment, the money is when ready available in your account again. You will see it reflected in your available balance, not your pending balance. There is no fee from Chase for canceling a payment.
However, if the payment was meant to cover a bill — rent, a credit card, a loan — canceling it means that bill will not be paid. Your payee will not receive the money, and you may face late fees or interest charges if the bill is now overdue. Before you cancel, make sure you have a plan to pay the bill another way or that you have decided not to pay it.
Frequently Asked Questions
Can I cancel a payment after it has been sent?
No, not through the app. Once a payment has processed and left your account, you cannot cancel it. You will need to contact Chase to request a reversal or dispute, which is a slower process. A reversal works only if the payee's bank has not yet deposited the funds.
How long do I have to cancel a pending payment?
You usually have until the payment processes, which is often the next business day. Payments scheduled for today may process within hours. Payments scheduled for a future date can usually be canceled anytime before that date. Check your payment details in the app to see the exact scheduled date.
Will Chase charge me a fee to cancel a payment?
No, Chase does not charge a fee to cancel a pending payment. However, if the payment was meant to cover a bill, you may face late fees from your payee if you do not pay them another way.
What if I cancel a payment by mistake?
You will need to reschedule the payment. Go back to the payee in your Chase app or website and set up a new payment for the same amount. There is no fee to reschedule, and you can choose a new date if you want.
Can I cancel a payment to someone I sent money to using Zelle or Chase QuickPay?
Zelle and Chase QuickPay work differently from bill payments. Once you send money through these services, it usually cannot be canceled because it processes almost when ready. If you need to reverse a Zelle or QuickPay payment, contact Chase when ready and explain the situation — they may be able to contact the recipient's bank, but success is not may provide.