How do I use Pay Anyone to send money?

How do I send (transfer) money through Pay Anyone?

To use Pay Anyone:

  1. Log in to your Chime mobile app
  2. Select the Pay Anyone tab
  3. Search for your friend's name or $ChimeSign, or enter the email or phone number of someone who isn’t on Chime
  4. Enter the amount to send to the recipient and the reason that you're sending the money
  5. Confirm the amount and the recipient 
  6. Choose Pay now to send the money

How can I find my transfer limits for Pay Anyone?

You can find your Pay Anyone limits under Settings in the Chime app:

  1. Tap the gear icon in the top left-hand corner of the home screen to open Settings
  2. In Account info, select View limits
  3. Scroll down to view your limits for Pay Anyone Transfers

What is a $ChimeSign?

A $ChimeSign is a unique handle that acts as a Chime member's "username." It makes it easier to send and receive money between Chime members. If someone wants to send you money, you can share your $ChimeSign with them and they can enter it into the recipient field.

Can I make my $ChimeSign private?

Yes! If you’d rather hide your $ChimeSign from other Chime members, you can do that in the mobile app. To set your $ChimeSign to private:

  1. Go to Settings
  2. Scroll to Privacy
  3. Switch the toggle button to the off position

When you do this, other Chime members won't be able to search for your $ChimeSign. However, they can still use your phone number or email to send you Pay Anyone transfers or SpotMe Boosts.

Can I use Pay Anyone to send money to a friend who does not appear in my contacts?

Yes! To send money to a friend who is not in your contacts list:

  1. On the Pay Anyone tab, enter your friend’s phone number or email address into the search bar. 
  2. Tap the green Pay button that appears with your friend's information to initiate the transfer. 

Can I use Pay Anyone to send money to non-Chime members?

Yes! Using the Pay Anyone feature, you can now send money to people who are not members! You will also be able to view a non-member’s information page from the app. You will need the phone number or email address of the person you’d like to send money to.

To send money to a friend who is not a Chime member:

  1. Log in to your Chime mobile app.
  2. Select the Pay Anyone tab.
  3. Enter the email or phone number of someone who isn’t on Chime
  4. Enter the amount to send to the recipient and the reason that you're sending the money.
  5. Confirm the amount and the recipient 
  6. Choose Pay now to send the money

When you use Pay Anyone to send money to a friend who is not a Chime member, your friend will receive a text or an email notification. It asks them to enter their required information to claim the funds and has 14 days to enter their required information and instantly claim the funds!

How do I view my activity?

Select the clock icon in the top right corner of the Pay Anyone tab within the Chime app to view your history of Pay Anyone transactions. Only you can view your activity feed.

How long does it take for a Pay Anyone transfer to post?

If you are transferring money to or from someone who is a Chime member, the money transfers are processed immediately.

What happens if I accidentally send money to the wrong person?

Prior to sending money to a friend, you are prompted to confirm the transaction. Once the payment is sent, it cannot be canceled or reversed.

It is the sender’s responsibility to ensure that the information is accurate prior to confirming the payment.

If you believe that your Checking Account has been compromised or that a Pay Anyone transfer from your Chime Checking Account was completed without your permission, please contact us at 1-844-244-6363 as soon as you can.

Why can’t I cancel a Pay Anyone transfer to an existing Chime member?

Pay Anyone transfers to existing Chime members occur instantly, and the funds that you send appear immediately in your friend’s Chime Checking Account. Because transfers are processed in such a short amount of time, they cannot be cancelled or reversed.

Can I cancel a Pay Anyone transfer that I’ve sent to a friend who is not a Chime member?

Yes! You can cancel a Pay Anyone transfer if it is still pending:

  1. Tap the transaction in your Chime Checking Account.
  2. Confirm the cancellation.

Once you cancel a pending Pay Anyone transfer, the funds are returned to your Chime Checking Account instantly.

Note that you can only cancel a Pay Anyone transfer if the transfer is still pending. Completed Pay Anyone transfers cannot be reversed.

If my friend isn’t a Chime member, how long do they have to claim the money that I sent with Pay Anyone?

If the friend that you want to pay isn’t a Chime member, they have 14 calendar days to accept the transfer. The funds are returned to your Checking Account if they haven’t claimed the money after 14 days.

How is my friend notified of the Pay Anyone transfer?

Your friend will receive a text or an email message from Chime to let them know that you’ve sent them money with Pay Anyone. The text or email contains a link to the Chime website where they can open a Chime Checking Account and claim their money. Your friend could receive up to three (3) reminders to claim their money.

I was sent money through Pay Anyone and it is asking me to sign up with Chime.
I am already a member. How do I get access to my funds?

The link in the Pay Anyone email or text message that you received takes you to a webpage where you can claim your funds. You should see an option to log in to your existing Chime account to complete the transfer.

Can I file a dispute for a Pay Anyone transfer if I didn’t receive the goods or services from the merchant?

While we understand that this is frustrating, this will need to be resolved directly with the merchant. Pay Anyone is a peer-to-peer payment product and transfers function similar to cash transactions. This means that once the transfer is completed, Chime cannot reverse or cancel it. Scroll down to the Pay Anyone section of your Deposit Account Agreement for more info.

To prevent situations like this in the future, we advise that you only use the product to pay friends whom you know and trust.

Can I file for a dispute if I sent money to the wrong person or sent money in the wrong amount?

Chime doesn’t accept disputes that relate to member error such as Pay Anyone transfers to the wrong recipient and incorrect transfer amount. We recommend members contact the recipient of the funds to resolve the matter. Scroll down to the Pay Anyone section of your Deposit Account Agreement for more info.

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