Where to send your Wayfair credit card payment
Wayfair issues its credit card through Comenity Capital Bank, so payments go to Comenity, not directly to Wayfair. You can pay online through your Comenity account, by phone, by mail, or through automatic payments — each route has different timing and confirmation steps.
The fastest way is logging into your Comenity account online at the Comenity website or through the Wayfair app. You can also call Comenity's customer service number, which appears on your monthly statement and on the back of your card. Mail payments take 7 to 10 business days to post, so send them early if you are close to your due date.
Key Takeaways
- Wayfair credit card payments are processed by Comenity Capital Bank, not Wayfair itself, so you pay Comenity directly.
- Online payment through your Comenity account typically posts within one business day, while phone payments post the same day if made before the cutoff time.
- Mail payments take 7 to 10 business days to reach Comenity, so plan ahead if your due date is approaching.
- Setting up automatic payments prevents missed due dates and late fees, and you can change or cancel the arrangement anytime through your account.
Paying online through Comenity
Go to the Comenity website and log in with your username and password. If you have not set up an online account yet, you can create one using your card number and other identifying information from your statement. Once logged in, select "Make a Payment" or "Pay Now" and enter the amount you want to send.
You can pay from a checking or savings account (which takes one business day to post) or use a debit card for when ready posting. Comenity does not charge a fee for online payments from a bank account, but debit card payments may carry a small fee depending on your bank. The payment confirmation appears on your screen when ready, and you can print or save it as proof.
Paying by phone or automatic payments
Call the number on the back of your card or on your statement to reach Comenity's payment line. A representative can take your payment over the phone using a checking account, savings account, or debit card. Payments made before 8 p.m. Eastern time typically post the same business day.
To set up automatic payments, log into your Comenity account online and look for "Automatic Payments" or "Recurring Payments" in the account settings. You can choose to pay your full balance, a fixed amount, or the minimum payment on the same date each month. You can change or stop automatic payments anytime through your account without penalty.
Paying by mail
Your monthly statement includes a payment coupon with the mailing address. Write your account number on the check or money order, include the coupon, and mail it to the address shown. Do not send cash through the mail.
Mail payments typically take 7 to 10 business days to arrive and post to your account. If your due date is within two weeks, paying by mail risks a late payment. Keep a copy of the check or money order number for your records, and consider using online or phone payment if you are cutting it close to the important date.
What happens if you miss a payment
A payment is considered late if it does not post by 5 p.m. Eastern time on the due date shown on your statement. Comenity charges a late fee (the amount varies but is typically $25 to $40 for the first late payment) and may report the late payment to credit bureaus after 30 days.
If you miss a payment, contact Comenity as soon as possible. Some cardholders can request a one-time courtesy waiver of the late fee, though this is not may provide. Paying the full amount owed stops additional fees from accruing, but the late payment may remain on your credit report for up to seven years.
Minimum payment and statement balance
Your monthly statement shows three amounts: the minimum payment (usually 1 to 3 percent of your balance), the statement balance (everything you owe), and the amount due by the due date. You must pay at least the minimum to avoid a late fee, but paying only the minimum means you carry the rest forward with interest.
The interest rate on the Wayfair card varies by creditworthiness and current market rates. Paying your full statement balance by the due date avoids all interest charges. If you carry a balance, interest accrues daily on the unpaid portion at the rate shown in your account.
Disputing a charge or payment issue
If you see a charge you do not recognize or believe a payment did not post correctly, contact Comenity within 60 days of the statement date. You can dispute the charge online through your account, by phone, or by mail. Comenity will investigate and respond within 30 days, though complex disputes may take longer.
If you paid online and the payment did not post after the expected time, check your bank account to confirm the money left your account. If it did, contact Comenity with your confirmation number. If the money is still in your account, the payment may have failed — try submitting it again or call to pay by phone.
Frequently Asked Questions
Can I pay my Wayfair credit card through the Wayfair website?
No. Wayfair does not process payments directly. You must pay through Comenity Capital Bank, either online at Comenity's website, by phone, by mail, or through the Wayfair app if it offers a payment link to Comenity. Paying through Wayfair's shopping site will not work for credit card bills.
How long does an online payment take to show up?
Payments from a bank account typically post within one business day. Debit card payments may post when ready. Once posted, the payment reduces your balance and is reflected in your account. If you pay before your due date, you will not be charged a late fee even if posting takes a day.
What if I want to pay more than I owe?
You can pay any amount up to your full balance. Paying more than your statement balance creates a credit on your account, which Comenity will explore to your next bill or refund to you if you close the account. There is no penalty for overpaying.
Is there a fee for paying online?
No fee applies when you pay from a checking or savings account. Debit card payments may carry a small fee depending on your bank's policies. Phone and mail payments are also free. Automatic payments from a bank account have no fee.
What if I cannot pay the full amount by the due date?
Pay at least the minimum amount to avoid a late fee. Contact Comenity if you are having financial difficulty — some cardholders can request a hardship plan or temporary payment arrangement. Paying something by the due date is better than paying nothing, as it stops late fees from starting.