You can pay your Macy's card balance using another credit card, but only through third-party payment processors — Macy's itself does not accept credit card payments directly
Macy's Card Services does not let you pay your bill by entering another credit card number on their website or over the phone. However, you can use a third-party payment service to convert your credit card into a payment method. The most common route is through a cash advance service or a bill payment platform that accepts credit cards. This approach costs money — typically a fee of 2% to 3% of the amount you transfer — so you should only use it if you cannot pay in other ways.
Before you pursue this route, check whether you have a simpler option. Macy's accepts payments by debit card, bank account transfer, and check. If you have access to any of those, paying that way costs nothing and takes the same amount of time.
Key Takeaways
- Macy's Card Services does not accept credit card payments directly through their official channels.
- Third-party payment processors can convert a credit card payment into a bank transfer or cash advance, but charge a fee of 2% to 3% of the amount.
- Paying with a debit card, bank account, or check through Macy's official payment portal costs nothing and is faster than using a third party.
- If you are considering a credit card payment because you cannot afford your balance, contact Macy's Card Services to discuss hardship options before paying a processing fee.
Why Macy's does not accept credit card payments
Credit card networks (Visa, Mastercard, American Express, Discover) have rules that prevent merchants from accepting credit card payments for credit card bills. The rule exists to prevent circular debt and to protect cardholders from running up balances they cannot pay. When you pay a credit card bill with another credit card, you are not reducing debt — you are moving it. Macy's Card Services follows these network rules, so they block credit card entries at checkout.
This restriction applies whether you are paying online, by phone, or in person at a Macy's store. The payment system will reject the transaction before it reaches Macy's Card Services.
How to pay with a third-party payment processor
If you must convert a credit card payment into a form Macy's will accept, you can use a third-party service. These services take your credit card information, advance you cash or create a bank transfer, and charge you a fee for the service. Common options include MoneyLion, Plastiq, and some cash advance apps, though availability and fees vary by state and by service.
The process works like this: you create an account with the third-party service, enter your credit card details, specify the amount you want to transfer, and authorize the fee. The service then sends money to your bank account or initiates a transfer to Macy's on your behalf. You then pay your Macy's bill using the funds that arrived in your account. The entire process takes 1 to 3 business days, and you will pay 2% to 3% of the transfer amount as a fee. On a $500 payment, that is $10 to $15 in fees.
Before you use this method, read the service's terms carefully. Some services report the transaction to credit bureaus as a cash advance, which can affect your credit score. Others have limits on how much you can transfer per month or per transaction.
Payment methods Macy's accepts without a fee
Macy's Card Services accepts the following payment methods through their official payment portal, with no fee:
- Debit card — Enter your debit card number, expiration date, and CVV, the same way you would for a credit card. The payment posts within 1 to 2 business days.
- Bank account (ACH transfer) — Provide your routing number and account number. This is the fastest method and posts within 1 business day. You can set up automatic recurring payments this way.
- Check — Mail a check to the address on your statement. Allow 7 to 10 business days for delivery and processing.
- Money order — Mail a money order to the same address as a check. Processing time is the same.
To make a payment online, log into your Macy's Card account at macyscard.com, select "Make a Payment," and choose your payment method. You can also call Macy's Card Services at the number on the back of your card to pay by phone using a debit card or bank account.
What to do if you cannot afford your full balance
If you are considering a credit card payment because your balance is too high to pay in full, stop before you pay a processing fee. Macy's Card Services offers hardship programs for cardholders who are struggling. These programs may include lower interest rates, reduced minimum payments, or a temporary pause on payments while you get back on your feet.
Call Macy's Card Services at the number on your statement and explain your situation. Be honest about what you can afford to pay each month. The representative can review your account and discuss options that do not involve paying a third party to move money around. This conversation costs nothing and may save you hundreds of dollars in fees and interest.
How to set up automatic payments
If you want to avoid missing a payment, you can set up automatic payments from your bank account. Log into macyscard.com, go to "Manage Account," and select "Automatic Payments." Choose your bank account as the payment source, enter the amount you want to pay each month, and select the date the payment should post. You can choose to pay the full balance, the minimum payment, or a fixed amount of your choosing.
Automatic payments from a bank account post reliably and cost nothing. You can change or cancel the automatic payment at any time through your account settings. If you need to pause a payment, log in at least two business days before the scheduled payment date and adjust your settings.
Frequently Asked Questions
Can I pay my Macy's card with a gift card?
No. Macy's gift cards can only be used to purchase merchandise at Macy's stores or online. They cannot be used to pay a credit card bill. If you have a Macy's gift card, you can use it to buy items, which frees up money in your budget to pay your card bill instead.
What happens if I pay late because I was waiting for a third-party transfer?
Late payments are reported to credit bureaus and can damage your credit score. Macy's also charges a late fee, usually $25 to $35 depending on your card terms. If you are using a third-party service, start the transfer at least 5 business days before your due date to avoid delays.
Is there a limit to how much I can pay at once?
Macy's does not publish a single-payment limit, but very large payments may trigger fraud detection and require you to verify the transaction by phone. If you are paying more than $5,000 at once, call Macy's Card Services first to let them know the payment is coming.
Can I use a prepaid credit card to pay my Macy's bill?
No. Prepaid cards are treated the same as credit cards by the payment network, so Macy's system will reject them. However, if your prepaid card is linked to a bank account, you may be able to transfer the balance to that account and then pay from there.