Where to send your Synchrony Bank payment
Synchrony Bank processes payments through its own online portal, by phone, or by mail. You do not send money to a Synchrony storefront or branch — Synchrony is a bank that issues credit cards for retail partners like Amazon, Target, and Lowe's, but does not have physical locations. Your payment goes directly to Synchrony's payment processing center.
The fastest and most direct route is through your Synchrony account online. You log in, select the card you want to pay, enter the amount, and choose your payment method. The payment posts within one business day if you send it before the cutoff time, which is usually 8 p.m. Eastern time on business days.
If you do not have online access or prefer to pay by phone, Synchrony's customer service line accepts payments over the phone. You will need your card number and a bank account or debit card to process the payment. Phone payments also post within one business day.
Key Takeaways
- Online payments through your Synchrony account are the fastest method and post within one business day if sent before 8 p.m. Eastern time.
- Phone payments are available by calling Synchrony customer service and require your card number and a bank account or debit card.
- Mail payments take 7 to 10 business days to post, so send them well before your due date to avoid late fees.
- Automatic payments set up through your account can be scheduled for a specific date each month, reducing the risk of missing a payment.
Paying online through your Synchrony account
Log into your Synchrony account at synchronybank.com or through the Synchrony mobile app. Once you are logged in, select the card you want to pay from your account dashboard. You will see your current balance, minimum payment due, and due date.
Click the "Make a Payment" or "Pay Now" button. Enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between. Synchrony will then ask you to choose your payment method: a bank account (ACH transfer) or a debit card.
If you choose ACH, you will enter your bank routing number and account number. If you choose debit card, you will enter your card details. Review the payment amount and date one more time before confirming. The payment posts to your account within one business day.
Paying by phone
Call Synchrony customer service at the number on the back of your card. A representative will ask for your card number and the amount you want to pay. Have your bank account information or debit card ready.
Phone payments are processed the same way as online payments and post within one business day. There is no fee for paying by phone. If you are calling outside business hours, you can use the automated phone system to make a payment without speaking to a representative.
Paying by mail
If you receive a paper statement, it will include a payment coupon with a mailing address. Write a check or money order for the amount you want to pay, include the payment coupon, and mail it to the address shown. Do not send cash.
Mail payments take 7 to 10 business days to reach Synchrony and post to your account. Because of this delay, mail payments should be sent at least two weeks before your due date to avoid a late payment. If your due date is coming up soon, use online or phone payment instead.
Setting up automatic payments
Automatic payments remove the risk of forgetting a payment date. Log into your Synchrony account, go to the settings or preferences section, and look for "Automatic Payments" or "Recurring Payments." You will set up a bank account or debit card as your payment source.
Choose whether you want to pay a fixed amount each month (such as your minimum payment or a set dollar amount) or your full statement balance. Select the date each month when the payment should be processed. Synchrony will deduct the payment automatically on that date.
You can change or cancel automatic payments at any time through your account settings. If your payment method expires or fails, Synchrony will send you a notice asking you to update it.
What to do if your payment is late
If your payment does not arrive by the due date, Synchrony will charge a late fee. The amount depends on your card agreement, but late fees typically range from $25 to $40 for the first late payment. Your interest rate may also increase if you are late.
If you miss a payment, contact Synchrony as soon as possible. Explain what happened and ask whether the late fee can be waived. If this is your first late payment and you have a good payment history, Synchrony may remove the fee. Make your payment when ready to stop additional fees from accruing.
Payment methods and fees
Synchrony does not charge a fee for online payments, phone payments, or mail payments made through the standard process. If you use a third-party payment service or a bill-pay service through your bank, that service may charge a fee — check with your bank before using that route.
Some banks offer a "rush payment" or "expedited payment" option through their bill-pay system. These services may charge a fee and are not necessary for Synchrony payments, since standard online and phone payments post within one business day anyway.
Frequently Asked Questions
How do I know if my payment went through?
Log into your Synchrony account and check your transaction history. Your payment should appear within one business day of sending it. You can also call customer service to confirm that your payment was received and posted to your account.
Can I pay my Synchrony card at a store?
No. Synchrony is a bank that issues credit cards; it does not have retail locations where you can make payments in person. You must pay online, by phone, or by mail. Some retail partners like Target or Amazon may display payment options in their stores, but those are not official Synchrony payment channels.
What if I want to pay more than my balance?
You can pay more than your current balance, and the extra amount will show as a credit on your account. You can use that credit toward future purchases or request a refund. Contact Synchrony to request a refund if you have a credit balance you do not plan to use.
Is there a minimum payment amount?
Synchrony requires you to pay at least your minimum payment by the due date to avoid a late fee. The minimum payment is shown on your statement and in your online account. You can pay more than the minimum at any time without penalty.
Can I pay my Synchrony card with another credit card?
No. Synchrony does not accept credit card payments. You can only pay with a bank account (ACH transfer), a debit card, check, or money order. Paying a credit card with another credit card typically incurs a cash advance fee and higher interest rate anyway.