Pay Your Synchrony Card Online, by Phone, or by Mail
You can pay your Synchrony card balance through the Synchrony website, the Synchrony mobile app, by phone, or by mailing a check. The fastest route is the website or app — payments post the same business day if you submit before the cutoff time, usually around 8 p.m. Eastern. Phone and mail payments take longer and may have fees, so use them only if you cannot access the website or app.
Before you pay, have your Synchrony account number ready. You will find it on your statement or in your online account. You will also need your bank account details if you are paying by electronic transfer, or a check if you are mailing a payment.
Key Takeaways
- Online and app payments post the same business day if submitted before the evening cutoff, usually around 8 p.m. Eastern.
- You can pay from a checking or savings account by electronic transfer, or mail a check to the address on your statement.
- Phone payments are available 24/7 but may carry a fee depending on your card issuer.
- Set up automatic payments through your online account to avoid missing your due date.
- Payments reduce your balance when ready, but your statement will reflect the new balance on your next billing cycle.
Pay Through the Synchrony Website
Log in to your Synchrony account at synchrony.com using your username and password. If you do not have an online account, you can create one by entering your card number, Social Security number, and date of birth.
Once logged in, look for a "Make a Payment" or "Pay Now" button, usually on the account dashboard. Select the amount you want to pay — you can pay your full balance, your minimum payment, or a custom amount. Choose your payment method: most cardholders pay from a checking or savings account by electronic transfer. Enter your bank routing number and account number, then confirm the payment. The transaction will post the same business day if submitted before the cutoff time.
Keep your confirmation number for your records. Synchrony will send you an email receipt, and the payment will appear in your online account history within a few hours.
Pay Through the Synchrony Mobile App
read the Synchrony mobile app from the Apple App Store or Google Play Store. Log in with the same username and password you use for the website. Tap "Make a Payment" or the payment icon on the home screen.
Enter the amount you want to pay and select your payment method. If you have already linked a bank account, you can choose it from your saved accounts. If not, you will enter your routing number and account number during this payment. Confirm the payment, and it will post the same business day if submitted before the evening cutoff.
Pay by Phone
Call the customer service number on the back of your Synchrony card. A representative will ask for your account number and the amount you want to pay. You can pay from a checking or savings account — have your routing number and account number ready — or authorize a one-time debit from your account.
Phone payments may carry a fee depending on which retailer issued your card. Ask the representative about the fee before you authorize the payment. The payment will post within one to two business days.
Pay by Mail
Write a check payable to Synchrony or the card issuer (the name appears on your statement). Include your account number on the check. Mail it to the address listed on your statement under "Payment Address" — do not mail it to the general customer service address, as it may be delayed.
Mail payments typically take five to seven business days to post, depending on mail delivery and processing time. To avoid a late fee, mail your payment at least one week before your due date. Keep a copy of the check or take a photo of the front and back for your records.
Set Up Automatic Payments
Log in to your Synchrony account online or through the app and look for "Automatic Payments" or "Recurring Payments" in the settings menu. Select the amount you want to pay automatically — you can choose your full balance, your minimum payment, or a fixed amount. Choose the date each month when the payment should post, ideally a few days after you receive your statement.
Automatic payments remove the risk of missing your due date and incurring a late fee. You can change or cancel automatic payments at any time through your online account. If your balance drops below your automatic payment amount, Synchrony will deduct only what you owe.
What Happens After You Pay
Your available credit increases when ready after the payment posts. Your statement balance will update on your next billing cycle, usually 20 to 25 days after your statement closing date. If you made a payment before your statement was generated, that payment will appear as a credit on your next statement.
If you paid more than you owe, Synchrony will hold the overpayment as a credit on your account. You can use this credit toward future purchases, or contact customer service to request a refund by check or to your bank account.
Frequently Asked Questions
What time do online payments post?
Online and app payments post the same business day if you submit before the cutoff time, usually around 8 p.m. Eastern. Payments submitted after the cutoff or on weekends and holidays will post the next business day. Check your account confirmation for the exact cutoff time for your card.
Can I pay my Synchrony card from another bank's app?
Yes. Log in to your bank's app or website and look for "Bill Pay" or "Send Money". Enter Synchrony's mailing address from your statement as the payee, and include your Synchrony account number in the memo line. Your bank will mail a check on your behalf, which takes five to seven business days to post.
What if I miss my due date?
A late fee will be charged if your payment is not received by the due date shown on your statement. Contact Synchrony customer service when ready to make a payment. If this is your first late payment, ask whether the late fee can be waived. Future late payments will damage your credit score.
Is there a fee to pay my Synchrony card?
Online and app payments are free. Phone payments may carry a fee depending on your card issuer — ask the representative before you authorize the payment. Mail and bank bill pay are free but slower.
Can I pay more than my balance?
Yes. If you pay more than you owe, the overpayment will be held as a credit on your account. You can use this credit on future purchases, or contact Synchrony to request a refund to your bank account or by check.