Chime is the most popular banking fintech in the country, it is only available online, but it allows you to pay with your debit card in wallets such as Apple Pay. This wallet is recognized in many parts of the world for the ease offered in payments.
Apple Pay has quickly become one of the favorite payment methods of almost all users. It is accepted in nearly all establishments and only requires small taps on your app to complete transactions.
Chime and Apple Pay compatibility
Using Chime with Apple Pay is simple because you only need to link your Chime debit card or bank account with Apple Pay. When you add the card to the app, you can instantly transfer funds from your Apple Wallet.
However, the procedure is subject to a 1.5% fee that can go down to 0.25% or up to 15%, depending on your transaction. The recommendation is to add the debit card because it offers you greater possibilities within the Apple Pay application.
How to link Chime to Apple Pay?
To add the Chime debit card to Apple Pay, you need to open the Apple Pay Wallet app on your mobile device and tap the “+” button in the screen’s upper-right corner. Now you have to go to “Debit or credit card” and press “continue“.
All the steps to follow will appear on the screen; it is a form where you have to provide card information such as expiration date, code, and card number, among others. You can also scan the credit card, and the process will be much easier.
When you are finished, you must wait for the verification of the information with the bank associated with Chime that you have acquired the card. This step is quick, and it will only take a few minutes for you to receive the message that the card is already linked to Apple Pay.
Link Chime account without a card to Apple Pay
Not all Chime users have a debit card, which is not a drawback. The procedure is the same as above, but instead of adding card information, you must click the “bank account” option in Apple Pay and enter the Chime account number and routing number.
You get this information by going to the Chime app and entering the settings; go to the bottom of the options and click on “account information”. On the new page, you will see all the data related to the Chime account, enter it, and you’re done.
How to make a transfer from Apple Pay to Chime Card?
Go to the Wallet app and click on the Apple Cash card at the top. Click on the plus icon and click “bank transfer” here; you must indicate the amount you want to transfer, and when you are sure, click “next”.
On the next screen, select instant transfer and choose the Chime debit card when the list of options appears.
What do I do if the Chime card does not work?
If you follow all the steps and the card linking is complicated by messages such as “Could not add card” or “try again later”, you can try the following to solve the problem:
- Try adding or using any of the cards added in Apple Pay; that helps you verify that the problem is not the Apple Pay platform or settings
- Check that your Chime card is not disabled or not active in the app. To complete this, log into Chime, go to settings and then to card and verify that the “Allow transactions” option is enabled
- Remove and re-add the Chime card to Apple Pay
- Contact the Chime support team for more details and solutions
Are there any special fees for using the Chime card with Apple Pay?
From Chime’s side, there are no special fees for using the card in Apple Pay. But be warned that you need an active data plan on your cell phone to be able to log in to the app whenever you need to pay.
Benefits of linking your Chime card with Apple Pay
Apple Pay is the most used wallet in different parts of the world; you can pay at retailers just with their mobile app. By this, we mean that linking your Chime card to use your funds to pay quickly and securely with Apple Pay is simpler.
The interface is simple and is supported by almost all major retailers. You can even pay for your groceries with this method, and there is usually no additional charge.
Chime is joining more and more platforms!
Chime’s popularity is growing daily; you can link your account with different platforms to make payment for services and products faster and more effective. You should start opening your Chime account now if you don’t have one yet.