The fastest way to pay your Macy's card is through the Macy's website or mobile app, where you can make a one-time payment or set up automatic payments from your bank account.
You do not need to call or visit a store. Log into your Macy's credit card account at macys.com, go to the payments section, and enter the amount and your bank details. The payment posts within one to two business days. If you prefer to pay by phone, you can call the number on the back of your card, though online is faster and leaves a record.
The Macy's card is issued by Citibank, so you can also pay through Citi's website if you have a Citi online account set up. Some people link their Macy's card to their bank's bill pay system instead, which works but takes longer — usually three to five business days — because it routes through the mail.
Key Takeaways
- Pay online through macys.com or the Macy's mobile app by logging into your account and selecting the payments option.
- One-time payments post within one to two business days; set your payment for at least two days before your due date to avoid late fees.
- You can set up automatic payments to pay your full balance or a fixed amount each month, which removes the need to remember a due date.
- Paying by phone through the number on your card works but takes longer than online payment and does not leave a digital record.
Paying through the Macy's website or app
Go to macys.com and click "Account" in the top right corner. Sign in with your email and password. Once logged in, look for "Payments" or "Pay My Bill" — the exact wording changes, but it is always in the account menu. Enter the amount you want to pay and confirm your bank account information.
The Macy's app follows the same path: tap your account icon, find the payments section, and enter your payment details. Both the website and app let you choose whether to pay your full balance, the minimum payment, or a custom amount. You can also see your current balance, due date, and recent transactions in the same section.
Payments made before 11:59 p.m. Eastern Time usually post the next business day. If you pay on a Friday, expect the payment to show on Monday. Weekends and bank holidays add an extra day, so plan accordingly if your due date falls on a Monday.
Setting up automatic payments
Automatic payments remove the risk of missing a due date. In the payments section of your Macy's account, select "Automatic Payments" or "Recurring Payments." You will choose a day of the month (usually between the 1st and the 28th), an amount, and your bank account. The payment will process on that day every month.
You can set automatic payments to cover your full statement balance, your minimum payment, or a fixed dollar amount. Most people choose the full balance to avoid interest charges, but you can change this anytime by logging back into your account. If you need to skip a month or cancel automatic payments, you can do that online as well — there is no penalty.
Paying through Citi's website
Because Citibank issues the Macy's card, you can also pay through Citi's website at citi.com if you have set up a Citi online account. Log in, find your Macy's card in your accounts list, and select "Make a Payment." This route works the same way as paying through Macy's — the payment posts within one to two business days.
Some people prefer this method if they already manage other Citi accounts online and want everything in one place. The payment amount and timing are identical whether you pay through Macy's or Citi, so choose whichever interface you find easier to use.
Paying by phone or mail
If you do not have internet access or prefer to speak with someone, call the number on the back of your Macy's card. A representative will take your payment information over the phone and process it when ready. Phone payments post within one to two business days, the same as online payments.
Paying by mail is an option but the slowest route. Write a check, include your account number, and mail it to the address on your statement. Mail payments typically take five to seven business days to post, so send your check at least a week before your due date. Keep a copy of the check or take a photo for your records.
What happens if you miss a payment
If your payment does not post by the due date, Macy's will charge a late fee — usually $25 to $40 depending on your account history. Your interest rate may also increase. If you realize you will miss the due date, call the number on your card when ready; some representatives can extend your due date by a few days or waive a single late fee if you have a good payment history.
If you set up automatic payments, you avoid this problem entirely. Even if you do not have enough money in your bank account on the scheduled date, the payment will fail and you will be notified — giving you time to add funds or contact Macy's before the actual due date passes.
Frequently Asked Questions
How long does it take for a payment to show up?
Payments made online or by phone post within one to two business days. If you pay on a Friday after 11:59 p.m. Eastern Time, the payment will not post until Monday. Mail payments take five to seven business days.
Can I pay my Macy's card with a debit card or credit card?
You can pay with a debit card or another credit card through the Macy's website or app. You cannot pay with another credit card by phone or mail — those methods require a bank account or check. Paying with a credit card may trigger a cash advance fee, so check your terms first.
What if I want to pay more than my balance?
You can pay more than your current balance. The extra amount will sit as a credit on your account and will be applied to your next statement. You can also request a refund of the credit, though this takes longer than letting it explore automatically.
Is there a fee to pay online?
No. Macy's does not charge a fee for online payments, automatic payments, or phone payments. Paying by mail is also free, but slower.
Can I change my automatic payment amount or date?
Yes. Log into your Macy's account, go to automatic payments, and edit the amount or date. Changes usually take effect on your next scheduled payment date. You can also cancel automatic payments anytime without penalty.