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What Is Chase Credit Card ePay Onus?

Sudden, uninformed payment charges are scary. I also felt goosebumps when I saw a Chase Epay Onus deducted from my account in my credit statement. “Am I being scammed?”, I dreaded. As a finance expert, I had to know exactly what the Chase Credit Card Epay Onus was. Look what I found so that you can be at ease too!

What Is Chase Credit Card Epay Onus?

Chase Credit Card Epay Onus is the surcharge for every purchase you make through your Chase credit card. Alternatively known as a “checkout fee,” it is a tax that merchants are allowed to collect from you. However, your favorite coffee place earns nothing from it as they pass the amount to the Chase Bank.

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The amount you pay is calculated either flat-rate or percentage-wise. Moreover, this designated Onus is not deducted at the counter. It shows up in your statement, however, the phrase might mislead you into confusion. As the term indicates, the surcharge is an on-top charge besides transaction charges. 

Useful Information

You might feel snubbed at having to pay when it should be the merchant paying for it. It is an ongoing debate among the fintech sectors, one reason being that it is a small fee. As it is, more and more states are granting the surcharge collection.

Chase-approved Onus, or surcharge, applies to all charge cards from Chase because both Visa and Mastercard allow it.

Additional Charges Similar to Epay Onus

Unsurprisingly, customers loathe to pay extra amidst other credit card fees like APR and annual fees. With a booming quantity of multiple credit cards per person, it is logical to try and retain as much credit as you can. However, there are a couple more charges that might seem similar:

Convenience Fee

You are charged a convenience fee upon every atypical purchase through your Chase-issued card. An example can be you buying movie tickets online instead of at the theater. Furthermore, government taxes, paying your mortgages, tuition fees, and new homes paid through your credit card are liable for it. 

The convenience fee is different from the Chase Epay surcharge in that this surcharge applies to every standard purchase. You can avoid this charge if you want only by going for cash payments. Ask for possible discounts on cash payments at stores.

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However, around 90% of the population loves a comfortable offer even in exchange for a few extra bucks. However, businesses are bound to inform you of this fee before you complete your purchase. You can inform your bank if you are alerted later.

Checking Account Fee

With an ever-increasing number of credit account holders, it is understandable that Chase Bank has to remedy incoming glitches. The glitches occur when you fail to pay the minimum balance or make specific transactions. The remedy is to check accounts and it comes with a fee called a checking account fee. It is different from this Epay Onus because it is charged directly by the bank to the consumer.

The checking account fee includes three instances:

  • Overdraft fee, when you make a payment but don’t have enough balance on your Chase charge card.
  • ATM fee when you take out advance cash from other than Chase-owned ATM machines.
  • Monthly Service fee if you have less amount than the set minimum balance.

You can avoid checking account fees by maintaining your account balance and using Chase Bank ATMs.

You Can Avoid Paying Your Allocated Onus

Although willingness to pay through the cards has increased during the years, users try to avoid any additional charges. There are a number of steps you can take to get this additional tax off your hands.

Paying Cash

Charge cards are designed to help you avoid the hassle of carrying cash. However, you can opt for cash payments if you want to avoid paying Chase-assigned Onus. You can save on several gas stations on your vacations and stores even offer discounts on cash transactions. 

Using Debit Card

You can replace your Chase credit card with a debit card as it does not claim Epay Onus nationally. You avoid going through the credit card processing system and thus the surcharge. However, you can not avoid the 3% foreign transaction fee on your debit card during travel.

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Shopping Around

If you really abhor paying your pending Onus charge, you can shop from stores other than those approved by Chase. However, you might miss out on bonus deals and rewards on your credit card if you do so.

Befriending the Merchant

It is as they say: If you live in the river, you have to befriend the crocodile. Similarly, you can avoid paying a surcharge if you have a long-standing relationship with a merchant. Nonetheless, it is a rare case.

Related Questions

What Is Chase Epay?

Chase Epay or Chase Pay was an e-wallet you could use to pay for your purchases with your Chase credit cards. Recently, Chase has discontinued this service to create more opportunities for rewards. Now you can pay in-store and online directly through your credit card.

Is It Possible to Get Rid of My Chase Epay Onus Credit Card Charge?

It is possible yet complicated. You will have to call Chase customer support and set an appointment with a representative. One of the drawbacks with the Chase Bank is that the waiting line is long. 

In addition, they do not have a direct policy to waive a check card charge. You can ask for a more affordable card replacement or work out a solution with the rep. 

Can I Reverse a Charge From Chase Epay Onus?

You might be able to reverse this Chase-approved Onus charge if you try convincing a manager. It is against Chase Bank’s policy to reverse any fee without clearance from authorized personnel. Despite that, you can set up an appointment on-call or on-site.


Chase Epay Onus is the surcharge deducted from your balance for purchases through your charge card. There is little you can do to avoid paying it except opting for cash payments. Using your debit card and shopping from non-designated stores might also help.