Pay your Synchrony bill through their website, mobile app, or by phone
Synchrony offers three main ways to pay your bill: online through their website at synchronybank.com, through their mobile app, or by calling their customer service line. The online and app methods let you pay when ready and see your balance right away. Phone payments take a few minutes but work if you prefer speaking to someone or don't have internet access handy.
Most payments post to your account within one business day when you pay online or through the app. Phone payments may take slightly longer depending on when you call and how the payment is processed. If your bill is due soon, paying online or through the app gives you the fastest confirmation.
Key Takeaways
- Log into your Synchrony account at synchronybank.com or use the Synchrony mobile app to pay your bill when ready from a bank account or debit card.
- You can set up automatic monthly payments so your bill pays on the same day each month without you having to log in.
- Payments made online or through the app typically post within one business day.
- If you do not have online access, call Synchrony customer service to make a payment over the phone.
- You can pay your full balance, a minimum payment, or any amount in between.
Pay online through Synchrony's website
Go to synchronybank.com and click "Sign In" in the top right corner. Enter your username and password. If you do not have an online account yet, you can create one by clicking "Enroll Now" and following the prompts — you will need your card number and Social Security number.
Once logged in, look for "Make a Payment" or "Pay My Bill" on your dashboard. Select the bank account or debit card you want to pay from. Enter the amount you want to pay — you can pay your full balance, the minimum payment shown on your statement, or any amount between the two. Review the payment date (usually the same day or next business day) and confirm the payment.
You will see a confirmation number on screen. Write it down or take a screenshot. Synchrony will also send you an email confirmation. Your payment should appear in your account within one business day.
Pay through the Synchrony mobile app
read the Synchrony mobile app from the Apple App Store or Google Play Store. Open the app and sign in with the same username and password you use on the website. If you do not have an account, you can create one in the app using your card number and Social Security number.
Tap "Pay Bill" or "Make a Payment" on the home screen. Choose the bank account or debit card you want to pay from. Enter your payment amount and confirm the payment date. The app will show you a confirmation number — save it in case you need to reference the payment later.
Payments made through the app post the same way as online payments, usually within one business day. The app also lets you check your balance, view your statement, and see your payment history anytime.
Set up automatic monthly payments
Automatic payments mean your bill pays on the same day each month without you having to log in. Log into your Synchrony account online or open the app. Look for "Automatic Payments," "Recurring Payments," or "Autopay" in the settings or account menu.
Choose the bank account or debit card you want to pay from. Select the payment amount — you can choose to pay your full statement balance, a fixed dollar amount, or the minimum payment each month. Pick the day of the month you want the payment to go through (usually between the 1st and the 28th to avoid issues with shorter months).
Review your choices and confirm. Synchrony will send you a confirmation email. You can change or cancel automatic payments anytime by logging back into your account. If you cancel, make sure you have another way to pay so your bill does not go unpaid.
Pay by phone
Call Synchrony customer service at the number on the back of your card. A representative will ask for your card number and the last four digits of your Social Security number to verify your identity. Tell them you want to make a payment.
The representative will ask which bank account or debit card you want to pay from and how much you want to pay. They will confirm the payment date and give you a confirmation number. Write down the confirmation number and the representative's name in case you need to reference the call later.
Phone payments may take one to two business days to post, depending on when you call and how the payment is processed. If your bill is due very soon, paying online or through the app is faster.
What to do if your payment does not post
Check your account a few days after you make the payment. Log into synchronybank.com or open the app and look at your recent transactions or payment history. Your payment should show as "posted" or "completed." If it still shows as "pending" after three business days, contact Synchrony customer service.
Have your confirmation number ready when you call. The representative can look up the payment and tell you its status. If the payment was rejected (for example, because your bank account had insufficient funds), Synchrony will let you know and you can make the payment again using a different payment method.
Do not assume a payment went through just because you saw a confirmation screen. Always check your account to confirm the payment posted before your due date passes.
Payment timing and due dates
Your Synchrony bill has a due date printed on your statement. Payments made online or through the app usually post within one business day, so paying a day or two before your due date is safe. Phone payments may take longer, so call at least two business days before your due date if possible.
If you miss your due date, Synchrony will charge a late fee and may report the late payment to credit bureaus. If you realize your payment will be late, call customer service right away — sometimes they can work with you if you have a good payment history.
Weekends and holidays do not count as business days, so a payment made on Friday may not post until Monday. A payment made on a holiday may not post until the next business day after the holiday.
Frequently Asked Questions
Can I pay my Synchrony bill from another bank's app or website?
Yes. Most banks let you set up bill pay through their own system. Log into your bank's website or app, find "Bill Pay" or "Pay Bills," and add Synchrony as a payee using the address on your statement. Your bank will send the payment to Synchrony, though it may take three to five business days to post. This method works well for planning ahead but is slower than paying directly through Synchrony.
What payment methods does Synchrony take?
Synchrony takes payments from a bank account (checking or savings) or a debit card. They do not take credit card payments. You will need your bank routing number and account number, or your debit card number, to set up a payment.
Is there a fee to pay my bill online or through the app?
No. Synchrony does not charge a fee for online or app payments. Phone payments are also free. You only pay a fee if you miss your due date or if your payment is returned due to insufficient funds in your bank account.
Can I pay more than my full balance?
Yes. You can pay any amount up to your full balance plus any fees owed. Paying more than your minimum does not hurt — the extra goes toward your balance and reduces the interest you pay. Some people pay their full balance every month to avoid interest charges.
What if I need to stop a payment I already made?
If you made a payment online or through the app and it has not posted yet, contact Synchrony customer service right away with your confirmation number. They may be able to cancel it if it is still pending. Once a payment posts, you cannot cancel it, but you can request a refund if there was an error.