Where to send your Shop Your Way credit card payment
Shop Your Way is a store credit card issued by Synchrony Bank. When you make a payment, you are sending money to Synchrony, not directly to Shop Your Way or Kohl's. Synchrony processes all payments for this card, handles your account, and sets the terms.
You can pay your bill online through your Synchrony account, by phone, by mail, or in person at a Kohl's store. The fastest and most reliable method is online through the Synchrony website or mobile app, where you can see your balance when ready and confirm the payment went through.
Key Takeaways
- Shop Your Way cards are issued and managed by Synchrony Bank, so you pay Synchrony, not Kohl's or Shop Your Way directly.
- Online payment through Synchrony's website or app is the fastest method and shows your updated balance right away.
- Phone payments to Synchrony take the same time to process as online payments but require you to speak with a representative.
- Mail payments take 7 to 10 business days to reach Synchrony and post to your account, so send them well before your due date.
- In-store payments at Kohl's are processed by Synchrony and may take one to two business days to show on your account.
Paying online through Synchrony
Log into your Synchrony account at synchronybank.com or use the Synchrony mobile app. You will need your card number and the password you set up when you registered. Once logged in, select "Make a Payment" and choose how much you want to pay — you can pay the full balance, the minimum payment, or any amount in between.
You can pay from a bank account (which takes one business day to process) or a debit card (which processes when ready). Synchrony will show you the payment date and confirm the transaction on screen. This is the clearest way to know your payment arrived, because you see the updated balance within hours.
Paying by phone
Call Synchrony's customer service line at the number on the back of your Shop Your Way card. A representative will ask for your card number, the amount you want to pay, and the bank account or debit card you are paying from. The call usually takes five to ten minutes.
Phone payments process the same way as online payments — one business day for bank account transfers, when ready for debit cards. Ask the representative for a confirmation number before you hang up, and write it down. This gives you a record in case there is a question about whether the payment posted.
Paying by mail
Write a check or money order payable to Synchrony Bank. Include your Shop Your Way card number on the check itself. Mail it to the address shown on your monthly statement under "Payment Address" — this address changes depending on which Synchrony processing center handles your account, so always use the one on your current bill.
Mail payments take 7 to 10 business days to arrive and post to your account. If your due date is coming up, mail is the slowest option. Send your payment at least two weeks before the due date to be safe. If you are close to the due date, use online or phone payment instead.
Paying in person at Kohl's
You can pay your Shop Your Way bill at the customer service desk in any Kohl's store. Bring your card or tell them your card number, and let them know the amount you want to pay. They will process the payment through their system, which connects to Synchrony.
In-store payments may take one to two business days to show on your online account, because the store has to send the payment to Synchrony and Synchrony has to post it. If you are paying close to your due date, ask the store representative when the payment will post, or use online payment to be certain it counts on time.
What happens if you miss your due date
If your payment does not post by the due date shown on your statement, Synchrony will charge a late fee. The amount varies but is usually between $25 and $40. A late payment also appears on your credit report and can lower your credit score.
If you realize you will miss the due date, call Synchrony right away. Some representatives can extend your due date by a few days or waive a late fee if you have a good payment history. It is worth asking, but do not count on it — the safest approach is to pay online or by phone a few days before the due date.
Setting up automatic payments
You can set up automatic payments through your Synchrony account so the same amount pays on the same day each month. Log into your account, go to "Manage Payments," and select "Automatic Payments." Choose the amount (minimum payment, full balance, or a fixed dollar amount) and the day of the month you want it to pay.
Automatic payments pull from a bank account you register with Synchrony. They process on the day you choose and post within one business day. This removes the risk of forgetting a payment, though you should still check your statement each month to make sure the payment went through and your balance is what you expected.
Frequently Asked Questions
How long does it take for an online payment to show up?
Online payments from a bank account take one business day to post to your account. Debit card payments show up when ready. You can see the updated balance in your Synchrony account within hours of paying.
Can I pay my Shop Your Way card at Kohl's with a different payment method?
At the Kohl's customer service desk, you can pay with cash, debit card, or another credit card. The store will process it as a payment to your Shop Your Way account and send it to Synchrony. Ask for a receipt showing the payment amount and date.
What if I pay more than I owe?
Synchrony will hold the extra amount as a credit on your account. You can use it toward future purchases, or call Synchrony to request a refund check. Refunds usually take one to two weeks to arrive.
Is there a fee to pay my bill?
No. Synchrony does not charge a fee for any payment method — online, phone, mail, or in-store. The only charge is a late fee if your payment does not post by the due date.
What if my payment was rejected?
Online or phone payments are usually rejected because the bank account or debit card information is wrong, the account does not have enough funds, or there is a fraud hold on the card. Synchrony will tell you the reason and let you try again with different information.