Where to pay your Synchrony card and what to expect
Synchrony issues credit cards for retailers like Amazon, Target, Lowe's, and PayPal Credit. To pay your bill, you log into your online account, call their customer service line, or mail a check to the address on your statement. Synchrony does not accept in-person payments at store locations — all payments go through their payment processing system, which typically posts within one to two business days.
The payment methods available depend on how you choose to pay. Online and phone payments are processed when ready (though they may take a day to show in your account), while mailed checks take longer because they must be received, opened, and processed by hand. Synchrony charges no fee for any of these payment methods.
Key Takeaways
- You can pay online through your Synchrony account, by phone at the number on your statement, or by mailing a check to the address listed on your bill.
- Online and phone payments typically post within one to two business days; mailed payments take longer depending on mail delivery and processing time.
- Synchrony does not charge a fee for standard payments made through any of these methods.
- Your payment due date is listed on your statement, and paying by that date avoids late fees and protects your credit score.
- Setting up automatic payments through your bank or Synchrony's website can prevent missed due dates.
Paying online through your Synchrony account
Log into your Synchrony account on their website or mobile app using your card number and password. Once logged in, look for the "Make a Payment" or "Pay Now" button, usually located on the account dashboard. You will enter the amount you want to pay and choose your payment method — bank account (ACH transfer) or debit card.
Bank account payments are free and typically post within one to two business days. Debit card payments are also free but may post slightly faster. Synchrony will show you the expected posting date before you confirm the payment. If you need the payment to post by a specific date, check this timeline carefully, especially if your due date is soon.
Paying by phone
Call the customer service number on the back of your card or on your statement. A representative will verify your identity and take your payment information. You can pay from a bank account or debit card over the phone. This method is useful if you do not have online access or prefer to speak with someone, but it takes the same one to two business days to post as an online payment.
Phone payments are free. Have your account number and the amount you want to pay ready before you call. If you are calling close to your due date, ask the representative when the payment will post to make sure it arrives on time.
Mailing a check
Write a check to Synchrony and mail it to the address shown on your statement. Do not send cash. Include your account number on the check so Synchrony can match it to your account. Mail delivery typically takes three to seven business days depending on where you live, and Synchrony needs additional time to receive, open, and process the check.
For this reason, mailing a check should only be your choice if you have time before your due date. If your due date is within a week, use online or phone payment instead. Keep a record of when you mailed the check in case there is a question later about whether it was received on time.
Setting up automatic payments
You can arrange for Synchrony to withdraw a payment from your bank account automatically each month. Log into your account online, find the autopay or automatic payment section, and enter your bank account details. You choose the payment amount (minimum payment, statement balance, or a fixed amount) and the date each month when the payment should be withdrawn.
Automatic payments are free and remove the risk of forgetting a due date. If your income or expenses change, you can adjust or pause autopay at any time through your account. Some people set autopay to their minimum payment as a safety net and make larger payments manually when they can.
What happens if you miss a payment
If your payment does not arrive by the due date, Synchrony will charge a late fee (the amount varies by card and state). More importantly, a late payment is reported to credit bureaus and can lower your credit score. After 30 days late, the impact on your score increases significantly. After 60 or 90 days, Synchrony may close your account and refer the debt to a collection agency.
If you realize you will miss a due date, contact Synchrony before the date passes. Some cardholders have had late fees waived if they call and explain their situation, especially if they have a history of on-time payments. It is always better to call early than to wait and hope the payment posts in time.
Understanding your statement and due date
Your Synchrony statement shows your current balance, minimum payment due, and the due date. The due date is typically 21 to 25 days after your statement closes. Paying at least the minimum by this date keeps your account in good standing. Paying the full statement balance avoids interest charges on purchases.
If you carry a balance from month to month, Synchrony charges interest (called APR, or annual percentage rate) on the unpaid amount. The APR varies by card and your creditworthiness. Paying more than the minimum reduces the interest you pay over time and helps you pay off the balance faster.
Frequently Asked Questions
Can I pay my Synchrony card at a store?
No. Synchrony cards can only be paid online, by phone, or by mail. You cannot make a payment at a retail location, even if the card is issued for that store (like a Target card). All payments must go through Synchrony's payment system.
Is there a fee to pay my Synchrony card?
No. Synchrony does not charge a fee for payments made online, by phone, or by mail. All standard payment methods are free. Some third-party payment services may charge a fee, but paying directly through Synchrony never does.
How long does it take for my payment to show up?
Online and phone payments typically post within one to two business days. Mailed checks take longer — usually three to seven days for delivery plus additional processing time. Synchrony will show you the expected posting date when you make an online or phone payment.
What if I pay after my due date?
A payment received after the due date is considered late. Synchrony will charge a late fee and report the late payment to credit bureaus, which can lower your credit score. The longer the payment is late, the greater the impact on your credit. Contact Synchrony when ready if you miss a due date.
Can I set up automatic payments for my Synchrony card?
Yes. Log into your account online and look for the autopay or automatic payment section. You can choose to pay your minimum payment, full statement balance, or a fixed amount each month on a date you select. Autopay is free and helps prevent missed due dates.