Pay your Metro PCS bill online or by phone using a credit card
Metro PCS accepts credit card payments through their online account portal, by phone, or in person at a Metro PCS store. You can use Visa, Mastercard, American Express, or Discover. The payment posts to your account when ready when you pay online, though it may take one to two business days to appear on your credit card statement.
You do not need to set up automatic payments to use a credit card — you can make a one-time payment whenever you choose. If you want to pay automatically each month, Metro PCS will deduct from your credit card on your billing date.
Key Takeaways
- Metro PCS accepts Visa, Mastercard, American Express, and Discover cards for bill payments through their website, phone line, or retail stores.
- Payments made online through your Metro PCS account post when ready, though your credit card statement may show the charge one to two business days later.
- You can make a single payment without enrolling in automatic billing, or set up recurring monthly payments from your credit card.
- To pay by phone, call Metro PCS customer service at 1-888-639-6676 and have your account number and card details ready.
- In-store payments at any Metro PCS location take effect the same day but may not show on your online account for a few hours.
Pay online through your Metro PCS account
Log in to your Metro PCS account at metropcs.com using your phone number and password. If you do not have an online account, you can create one by entering your phone number and following the setup steps.
Once logged in, select "Pay Bill" or "Make a Payment" from the menu. Enter the amount you want to pay — you can pay your full balance, a partial amount, or a specific dollar figure. Choose your credit card as the payment method and enter your card number, expiration date, and CVV (the three-digit security code on the back of your card).
Review the payment details and confirm. Your payment will process when ready and you will see a confirmation number on screen. Metro PCS will send a payment receipt to the email address on your account.
Pay by phone with a credit card
Call Metro PCS customer service at 1-888-639-6676. A representative will ask for your phone number and account information to pull up your account.
Tell the representative you want to make a payment with a credit card. Have your card number, expiration date, and CVV ready. The representative will process the payment over the phone and give you a confirmation number. Write down this number for your records.
Payments made by phone post to your account the same day. If you call after business hours, your payment may process the next business day.
Pay in person at a Metro PCS store
Visit any Metro PCS retail location with your credit card. Tell the staff member you want to pay your bill. They will ask for your phone number or account number and the amount you want to pay.
The staff member will run your credit card through their payment terminal. You will receive a receipt showing your confirmation number and the amount paid. The payment takes effect the same day, though it may take a few hours to show in your online account.
Set up automatic credit card payments
If you want Metro PCS to charge your credit card automatically each month, log into your account at metropcs.com and go to "Billing" or "Payment Settings." Select "Auto Pay" and choose your credit card as the payment method.
Enter your card details and confirm the billing date — Metro PCS will charge your card on that date each month. You can change or remove automatic payments at any time through your account settings. Metro PCS will send you a reminder email a few days before each automatic charge.
Automatic payments help you avoid late fees and service interruptions. If your card is declined, Metro PCS will attempt to charge it again, and you will receive a notification.
What to do if your payment does not go through
If your credit card payment is declined, Metro PCS will notify you by text or email. Common reasons include an expired card, insufficient funds, or a fraud block from your card issuer.
Contact your credit card company to find out why the payment was declined. They may have flagged the charge as suspicious, or your card may be expired or over its limit. Once you resolve the issue with your card issuer, you can try the payment again through your Metro PCS account or by calling customer service.
If you miss a payment, Metro PCS may suspend your service. Pay as soon as possible to restore service — you can do this online, by phone, or in store using the methods above.
Fees and timing for credit card payments
Metro PCS does not charge a fee to pay your bill with a credit card. However, your credit card company may charge a cash advance fee if they classify the payment as a cash advance rather than a purchase — this is rare, but you can call your card issuer to confirm their policy.
Payments made online post when ready to your Metro PCS account. Payments made by phone or in store also post the same day. Your credit card statement will show the charge one to two business days after you make the payment, depending on your card issuer's processing time.
If you are paying a bill that is already past due, paying by credit card does not reset your due date. Your next bill will still be due on your regular billing date.
Frequently Asked Questions
Can I pay my Metro PCS bill with a prepaid credit card?
Yes, Metro PCS accepts prepaid credit cards as long as they are branded Visa, Mastercard, American Express, or Discover. The card must have sufficient funds available. Some prepaid cards have daily spending limits, so check with your card issuer if your payment is declined.
What happens if I pay with a credit card but my payment is late?
Metro PCS considers a payment late if it is not received by your due date. Paying with a credit card does not change this — the payment must post to your Metro PCS account by the due date to avoid a late fee. Payments made online post when ready, but payments by phone or in store may take a few hours.
Can I use someone else's credit card to pay my Metro PCS bill?
Yes, you can provide another person's credit card information to pay your bill by phone or in store. However, the cardholder may see the charge on their statement and may dispute it. For online payments, you will need to log into your own Metro PCS account, so you would need to enter the other person's card details there.
How do I remove a credit card from my Metro PCS account?
Log into your account at metropcs.com and go to "Payment Methods" or "Billing Settings." Find the card you want to remove and select "Delete" or "Remove." If that card is set up for automatic payments, you will need to choose a different payment method or turn off auto pay first.
Can I get a receipt for my credit card payment?
Yes. Online payments generate a receipt that appears on screen when ready and is also emailed to you. Phone and in-store payments provide a printed receipt. You can also view your payment history in your Metro PCS account under "Billing" or "Payment History."