You can cancel a Chase auto payment in minutes through your online account or by calling Chase directly

An automatic payment (sometimes called autopay or a recurring payment) is money that leaves your Chase account on a schedule you set up — usually monthly. To stop it, you have two main routes: log into your Chase account online or mobile app and turn it off yourself, or call Chase and ask them to cancel it for you. The online method is fastest and leaves you with a record of when you did it.

The steps are straightforward, but the exact location in your account depends on what type of Chase account you have and what you're paying. This guide walks you through both methods so you can pick whichever feels clearer to you.

Key Takeaways

  • Log into Chase.com or your Chase mobile app, find the payment you want to stop under "Payments" or "Transfers", and select the option to cancel or turn off the recurring payment.
  • If you cannot find the payment online, call Chase at the number on the back of your card — they can cancel it over the phone in a few minutes.
  • Canceling an auto payment does not reverse money that already left your account; it only stops future payments.
  • If you cancel a payment that was supposed to go out in the next few days, confirm with the company you were paying that they received the cancellation notice.

Canceling auto payments through Chase online or mobile app

Start by logging into Chase.com on a computer or opening the Chase mobile app on your phone. Once you're signed in, look for a section called "Payments" or "Transfers" — the exact name varies depending on your account type. In that section, you should see a list of payments you've set up, including any that repeat automatically.

Find the payment you want to stop. Click or tap on it to open the details. You'll see options to edit or cancel the payment. Select "Cancel" or "Turn off recurring payment" — the exact wording depends on your account type. Chase will ask you to confirm that you want to stop it. Once you confirm, the payment is canceled and will not go out again.

After you cancel, Chase usually shows you a confirmation screen or sends you an email. Keep that confirmation or take a screenshot. If the payment was scheduled to go out within the next few days, write down the date you canceled it — you may need to show this to the company you were paying if they ask why the payment didn't arrive.

Canceling auto payments by phone

If you cannot find the payment online or prefer to speak with someone, call the number on the back of your Chase card. A representative will ask you which payment you want to cancel and will pull it up in their system. Tell them the name of the company you've been paying and the amount that comes out each month.

The representative will cancel the payment and give you a confirmation number. Write this down or ask them to email it to you. This confirmation number is your proof that you called and asked Chase to stop the payment, which matters if there's a dispute later.

Phone lines are usually shortest early in the morning on weekdays. If you call on a weekend or evening, you may wait longer, but Chase customer service is available 24/7.

What happens after you cancel

Once you cancel an auto payment, no more money will leave your account on that schedule. However, canceling does not bring back money that already left your account. If you want to recover a payment that already went out, that is a separate process — you would need to contact the company you paid and ask for a refund, or contact Chase to dispute the charge.

If you canceled a payment that was supposed to go out in the next few days, the company you were paying may not know right away. They might still try to collect the money. If that happens, contact them directly and let them know you canceled the auto payment with Chase. Most companies update their records within one or two business days.

Stopping payments to specific companies

Some companies — like utilities, insurance companies, or subscription services — set up auto payments on their own website or app rather than through your bank. If you signed up for autopay through their website, you may need to cancel it there instead of through Chase.

To figure out where the payment is set up, check your account with that company. Log in and look for a section called "Billing", "Payment Methods", or "Subscriptions". If you see the auto payment listed there, you can usually cancel it directly. If you cannot find it on their website, call their customer service number and ask them to cancel the recurring payment.

Canceling through the company's website is often faster than calling Chase, because the company can stop the payment when ready on their end. If you cancel through Chase but the company still tries to charge you, contact the company first before calling Chase again.

If you need to stop a payment that's going out today or tomorrow

If a payment is scheduled to leave your account within the next 24 hours and you need to stop it, call Chase when ready. Online cancellations sometimes take a few hours to process, and if the payment is already in the system, it may go through even after you cancel it online. Speaking to a representative on the phone gives you a better chance of stopping it in time.

Have your account number and the payment details ready when you call. Tell the representative the exact date the payment is scheduled and the amount. They can check whether the payment has already been submitted to the company or is still pending in Chase's system. If it's still pending, they can stop it right away.

What to do if a payment goes out after you canceled it

If money left your account after you canceled the auto payment, contact Chase first. Explain that you canceled the payment and ask them to investigate. Chase can see the timestamp of when you canceled it and whether the payment went out after that. If the payment should not have gone through, Chase can start a dispute on your behalf.

At the same time, contact the company you were paying. Tell them you canceled the auto payment and ask them to refund the charge. Many companies will refund it when ready if you can show them proof that you canceled it. Keep your Chase confirmation number and any emails from Chase showing the cancellation date.

Frequently Asked Questions

Does canceling an auto payment hurt my credit score?

No. Canceling an auto payment does not affect your credit. Your credit score is based on whether you pay your bills on time and how much debt you owe, not on how you pay. Stopping an automatic payment is just a change to how you send money — it does not change whether you owe the money or whether you pay it.

Can I pause an auto payment instead of canceling it?

Chase does not have a built-in pause feature for most auto payments. You can cancel it and set it up again later, or you can contact the company you're paying and ask them to pause the payment temporarily. Some companies offer a pause option on their website.

What if I cancel an auto payment but still owe the bill?

Canceling the auto payment stops the automatic money from leaving your account, but you still owe the bill. You will need to pay it another way — by check, online transfer, or setting up a new auto payment. If you do not pay, the company may charge you a late fee or report it to a credit bureau.

How long does it take for Chase to process a cancellation?

If you cancel online, it usually takes effect within a few hours. If you call Chase, it takes effect when ready. However, if a payment has already been submitted to the company, Chase cannot stop it — you would need to ask the company for a refund.

Can I cancel an auto payment if I'm not the account holder?

Only the account holder or someone with authorized access to the account can cancel an auto payment. If someone else set up the payment, you'll need to ask them to cancel it, or you can contact Chase with proof that you have permission to manage the account.