Boot Barn Credit Card Payment Methods
Boot Barn accepts credit card payments through three main channels: online through your account, by phone, or by mail. The online method is fastest and gives you when ready confirmation. Phone payments take a few minutes and require your card number and billing information. Mail payments take 7 to 10 business days to reach Boot Barn's processing center, so send them well before your due date to avoid late fees.
Boot Barn does not currently offer automatic recurring payments (autopay) through their website, so you will need to make manual payments each month. If you want to set up a reminder, most banks let you schedule bill payments directly from your checking account to Boot Barn's mailing address or payment processor.
Key Takeaways
- Online payments through your Boot Barn account are processed when ready and show up in your account right away.
- Phone payments require calling Boot Barn's customer service line and providing your card details over the phone.
- Mail payments take 7 to 10 business days, so send them at least two weeks before your due date to avoid late fees.
- Boot Barn does not offer autopay, but your bank may let you schedule payments directly to their payment processor.
- Your due date and minimum payment appear on your monthly statement and in your online account.
Paying Online Through Your Boot Barn Account
Log into your Boot Barn credit card account at the Boot Barn website or through their mobile app. Click on "Make a Payment" or "Pay Now" — the exact wording varies by whether you are on desktop or mobile. Enter the amount you want to pay (minimum payment, statement balance, or a custom amount) and confirm the payment method.
Boot Barn processes online payments when ready during business hours. Your payment shows in your account within minutes, though it may take one business day to appear on your statement. You will receive a confirmation email with the transaction number and date. Keep this email for your records in case you need to dispute or verify the payment later.
Paying by Phone
Call Boot Barn's customer service number listed on the back of your card or on your monthly statement. Have your card number, billing zip code, and the amount you want to pay ready before you call. The representative will walk you through the payment and give you a confirmation number at the end of the call.
Phone payments are processed the same day you call during business hours. Write down the confirmation number and the date and time of your call. If you do not receive a confirmation email within 24 hours, call back to verify the payment went through, since phone payments occasionally fail to process without when ready notification.
Paying by Mail
Write a check or money order payable to Boot Barn. Include your account number on the check. Mail it to the address listed on your statement under "Payment Address" — this is different from the Boot Barn store mailing address and is usually a processing center in another state.
Mail payments take 7 to 10 business days to arrive and be posted to your account. To avoid late fees, mail your payment at least two weeks before your due date. If you are close to your due date, use online or phone payment instead. Keep a copy of the check or the money order receipt for your records.
Late Payments and Fees
Boot Barn charges a late fee if your payment is not received by the due date shown on your statement. The late fee amount varies but is typically $25 to $40 for the first late payment. A second late payment in six months may trigger a higher fee. Late payments also report to credit bureaus and can lower your credit score.
If you miss a payment, contact Boot Barn as soon as possible. Some representatives can waive a single late fee if you have a good payment history and can pay when ready. The sooner you pay after the due date, the less damage to your credit report. Payments more than 30 days late will show on your credit report for seven years.
Tracking Your Payment Status
Log into your Boot Barn account to see your current balance, due date, and recent payment history. The account dashboard shows whether your last payment has posted and when your next statement closes. If you made a payment in the last few days, it may show as "pending" until it fully processes.
Your monthly statement arrives by mail or email (depending on your preference) and lists all charges, payments, and fees from the previous month. The statement shows your new balance, minimum payment due, and the due date for that month's payment. Review your statement each month to catch any unauthorized charges or billing errors.
What to Do If Your Payment Does Not Go Through
If an online payment fails, you will see an error message on the screen. Common reasons include an incorrect zip code, insufficient funds in your bank account, or a temporary system issue. Try again in a few minutes, or use a different payment method (phone or mail) instead.
If a phone payment fails, the representative will tell you when ready and can try a different payment method. If a mail payment does not post within 15 business days, call Boot Barn to report it. Provide your check number or money order number and the date you mailed it. Boot Barn can trace the payment and reissue it if it was lost.
Frequently Asked Questions
Can I pay my Boot Barn credit card with a different credit card?
No, Boot Barn does not accept credit card payments for credit card balances. You can only pay with a bank account (check or electronic transfer), money order, or debit card. Paying a credit card with another credit card typically incurs a cash advance fee and higher interest rate anyway.
What time of day does Boot Barn process online payments?
Online payments made before 5 p.m. Eastern Time on a business day are usually processed the same day. Payments made after 5 p.m. or on weekends and holidays are processed the next business day. Your confirmation email will show the exact date the payment was received.
Can I set up autopay for my Boot Barn card?
Boot Barn does not offer autopay through their website. However, you can set up a bill payment through your bank's online banking portal to send a check or electronic transfer to Boot Barn's payment processor each month. This gives you the same effect as autopay without using Boot Barn's system.
What happens if I pay more than my statement balance?
Any payment over your statement balance creates a credit on your account. This credit is applied to your next month's charges. If you overpay significantly, you can request a refund by calling Boot Barn, though most people leave the credit on the account to cover future purchases.
How long does it take for a payment to show on my credit report?
Boot Barn reports your payment to credit bureaus once a month, usually around the time your statement closes. A payment made early in the month may not show on your credit report until the next month's reporting cycle. On-time payments help your credit score, but the effect takes several months to appear.