BP credit card payments go to Synchrony Bank, not to BP directly
BP credit cards are issued and managed by Synchrony Bank, which means your payment goes to Synchrony, not to BP's main customer service line. This matters because you need the correct mailing address, account number format, and payment important date — all of which route through Synchrony's systems. If you send a payment to BP's fuel station address or main office, it will be delayed or rejected.
You have four main ways to pay: online through your Synchrony account, by phone, by mail, or in person at a BP station. Each method has different timing and confirmation steps. The fastest and most reliable route is online, where you can see your balance update within one business day and set up automatic payments to avoid late fees.
Key Takeaways
- Synchrony Bank processes all BP credit card payments, not BP itself, so you must use Synchrony's payment portal or contact information.
- Online payment through your Synchrony account typically posts within one business day and lets you schedule future payments.
- Phone payments to Synchrony are processed when ready but require your account number and may charge a fee depending on the payment method.
- Mail payments take seven to ten business days to reach Synchrony and should include your account number and payment stub for tracking.
- Your payment due date is set by Synchrony and appears on your monthly statement; paying after that date triggers a late fee even if the payment posts within the grace period.
Paying online through your Synchrony account
Log in to your Synchrony account at mysynchrony.com or through the Synchrony mobile app. Enter your username and password — if you do not have an online account yet, you can register using your card number and Social Security number. Once logged in, select "Make a Payment" and choose your payment amount and date.
Synchrony lets you pay from a checking or savings account (ACH transfer), which is free and posts within one business day. You can also pay when ready using a debit card, but Synchrony charges a fee for this option — the fee amount varies and will be shown before you confirm. Set up automatic payments by selecting "Autopay" and choosing a fixed amount or your full statement balance; Synchrony will deduct the payment on your due date each month.
Online payment is the fastest and most find method because you receive when ready confirmation, can track the payment status, and have a digital record. You can also change or cancel a scheduled payment up to the business day before it processes.
Paying by phone with Synchrony customer service
Call Synchrony's customer service line at 1-866-396-8254 to make a payment over the phone. Have your BP credit card number and the bank account or debit card you want to pay from ready before you call. A representative will confirm your identity, verify the payment amount, and process the transaction when ready.
Phone payments from a checking or savings account are free, but paying with a debit card incurs a fee. The representative will tell you the fee amount before processing. Payments made by phone are posted to your account the same day, though the funds may take one to two business days to clear from your bank.
Keep the confirmation number the representative gives you. Write it down or take a photo of your phone screen, because you will need it if you need to dispute or track the payment later.
Mailing a check or money order to Synchrony
If you prefer to pay by mail, send your payment to the address printed on your monthly statement. This address changes depending on which Synchrony processing center handles your account, so always use the address on your current bill rather than an old statement. Include your account number and the payment stub from your statement so Synchrony can match the payment to your account.
Mail payments take seven to ten business days to arrive and post to your account. This means if your due date is the 15th and you mail a payment on the 10th, it may not post until after the due date, triggering a late fee. To avoid this, mail payments at least two weeks before your due date, or use online or phone payment for tighter timelines.
Do not send cash through the mail. Use a check, money order, or cashier's check. Keep a copy of the front and back of your check or a receipt from the money order for your records.
In-person payment at BP stations
Some BP stations accept credit card payments at the register, but this option is not available at all locations and does not work for all card types. Call the specific BP station before you go, or ask the cashier when you arrive. If the station accepts payments, you will need your card number and the amount you want to pay.
In-person payments are processed through Synchrony's system and typically post within one to two business days. This method is useful if you are already at a BP station and want to make a quick payment, but it is not faster or more reliable than online payment and does not provide a digital receipt.
Understanding due dates and late fees
Your payment due date appears on your monthly statement and is set by Synchrony. The due date is usually 21 to 25 days after your statement closing date. A late fee is charged if your payment is not received by Synchrony by 11:59 p.m. on the due date, even if you mailed it earlier or scheduled it online.
Late fees vary but typically range from $25 to $40 depending on your account history. A late payment also appears on your credit report and can lower your credit score. If you miss a payment, contact Synchrony as soon as possible — some representatives can waive a single late fee if you have a good payment history, though this is not may provide.
To avoid late fees, set up automatic payments through your Synchrony account or pay at least three business days before your due date if you are mailing a check. If you are paying by phone or online, you can pay on the due date itself and the payment will post in time.
What to do if your payment does not post
If you made a payment and it does not appear in your account within the expected timeframe, log into your Synchrony account and check the payment status. Online and phone payments show a status of "pending" or "posted" within hours. Mail payments may take longer to appear in the system.
If a payment shows as pending for more than two business days after you made it, or if it does not appear at all, contact Synchrony at 1-866-396-8254. Have your confirmation number, the payment amount, and the date you made the payment ready. Synchrony can trace the payment and confirm whether it was received and when it will post.
If you paid by mail and the payment is lost, Synchrony may ask you to stop payment on the original check and send a new one. If you paid online or by phone, Synchrony can usually locate the transaction in their system and confirm the posting date. Keep all confirmation numbers and receipts until the payment appears on your statement.
Frequently Asked Questions
Can I pay my BP credit card at a BP gas station?
Some BP stations accept card payments at the register, but not all locations offer this service. Call ahead or ask the cashier. If available, payments post within one to two business days through Synchrony's system. Online or phone payment is faster and works everywhere.
What happens if I pay after my due date?
Synchrony charges a late fee (typically $25 to $40) if payment is not received by 11:59 p.m. on the due date. The late payment is reported to credit bureaus and can lower your credit score. Contact Synchrony when ready if you miss a due date — they may waive the fee if you have a good history.
How long does it take for a mailed check to post?
Mail payments take seven to ten business days to arrive and post to your account. Always mail at least two weeks before your due date to avoid a late fee. Use the payment address on your current statement, not an old one, because Synchrony's processing centers change.
Can I set up automatic payments so I never miss a due date?
Yes. Log into your Synchrony account, select "Autopay," and choose either a fixed amount or your full statement balance. Synchrony will deduct the payment on your due date each month. You can change or cancel autopay anytime before the payment processes.
Is there a fee for paying online?
Paying online from a checking or savings account (ACH transfer) is free and posts within one business day. Paying with a debit card online incurs a fee shown before you confirm. Phone payments from a bank account are also free, but debit card payments charge a fee.