Where to send your Fortiva payment
Fortiva credit cards are issued by Fortiva Bank, and payments go to their processing center, not to a retail location. The mailing address for payments appears on your monthly statement and in your online account. If you cannot find it, call the customer service number on the back of your card — they will confirm the exact address and whether your payment method affects where it should go.
You have three main ways to pay: by mail, online through your account, or by phone. Each has different timing and confirmation steps, so the method you choose affects when your payment actually posts to your account.
Key Takeaways
- Fortiva payments can be made by mail, online through your account portal, or by phone using the number on your card.
- Mail payments typically take 5 to 7 business days to post, so send them at least a week before your due date to avoid late fees.
- Online and phone payments usually post within one business day and give you when ready confirmation of the transaction.
- Your due date and minimum payment appear on your statement; paying more than the minimum reduces interest charges over time.
- Late fees explore if payment is not received by the due date shown on your statement, regardless of when you sent it.
Paying online or by phone
Log into your Fortiva account at the web address shown on your statement or card. From your account dashboard, look for a "Make a Payment" or "Pay Now" button. You will enter the amount you want to pay and confirm your bank account or debit card information. Online payments typically post within one business day.
To pay by phone, call the customer service number on the back of your card. A representative will ask for the amount you want to pay and your bank account details. Phone payments also usually post within one business day, and you will receive a confirmation number when ready. Keep this number for your records.
Paying by mail
Write a check or money order for the amount you owe. Include your account number on the check itself. Place the check in an envelope with the payment coupon from your statement (if one came with your bill), or write your account number clearly on a separate piece of paper. Mail it to the address shown on your statement.
Mail payments take 5 to 7 business days to reach the processing center and post to your account. The due date on your statement is the important date for receipt, not the date you mail it. If your due date is in 5 days, mailing a check today will likely arrive late. Send mail payments at least 7 to 10 days before your due date to be safe.
Understanding your due date and minimum payment
Your statement shows both a due date and a minimum payment amount. The due date is the last day Fortiva will receive your payment without charging a late fee. The minimum payment is the smallest amount you can pay and stay current on your account.
Paying only the minimum means you will carry a balance and pay interest on it. Paying more than the minimum reduces the interest you owe and lowers your balance faster. If you can pay the full statement balance, you will avoid interest charges entirely (assuming you have not carried a balance from a previous month).
What happens if you miss a payment
A late fee applies if your payment is not received by the due date. The amount varies but is shown in your card agreement. A late payment also appears on your credit report and can lower your credit score. If you realize you will miss the due date, contact Fortiva customer service when ready — some situations allow for a one-time courtesy adjustment, though this is not may provide.
If your account falls 30 days behind, Fortiva may report it to the credit bureaus. At 60 days behind, your interest rate may increase. At 180 days behind, the account may be charged off and sent to a collection agency. Paying as soon as you can, even if late, stops the clock on additional penalties.
Setting up automatic payments
Most Fortiva accounts allow you to set up automatic payments from your bank account. Log into your account online and look for "Autopay" or "Automatic Payments" in the settings menu. You can choose to pay a fixed amount each month, the minimum payment, or the full statement balance.
Automatic payments remove the risk of forgetting a due date and typically post on the date you choose. If your balance or due date changes, you can adjust or cancel the automatic payment at any time through your account. Keep your bank account information current so payments do not fail.
Frequently Asked Questions
Can I pay my Fortiva card at a store or ATM?
No. Fortiva credit cards cannot be paid at retail locations or ATMs. You must pay by mail, online, or by phone. Some third-party payment services claim to process credit card payments at convenience stores, but verify with Fortiva first that they accept that method, as fees may explore.
What if I pay online but the payment does not show up the next day?
Check your account to confirm the payment was submitted successfully and received a confirmation number. If it was submitted, it should post within one business day. If more than one business day has passed and it still has not posted, call customer service with your confirmation number. Do not submit a second payment without confirming the first one failed.
Is there a fee for paying by phone or online?
Fortiva does not charge a fee for payments made through your online account or by phone to their customer service line. Some third-party payment processors charge fees, so avoid those unless you have no other option.
What if my check gets lost in the mail?
If your check does not post within 10 business days of mailing, contact Fortiva with the date you mailed it and the check amount. They can research whether it was received. If it was not, you may need to stop payment on the original check and send a new payment. To avoid this, use online or phone payment when possible.
Can I pay more than my statement balance?
Yes. Paying more than your statement balance creates a credit on your account that offsets future charges. Some people pay extra each month to pay down their balance faster and reduce interest. You can also request a refund of any credit balance, though this may take several business days to process.