How to Pay Bills Through Big Lots

What Big Lots Bill Pay Is and How It Works

Big Lots bill pay is a service that lets you pay bills directly from a Big Lots credit card or through Big Lots Money, the company's financial services platform. You can set up one-time payments or recurring payments to merchants and service providers — utilities, insurance companies, phone providers, rent, and similar bills. The payment goes from your Big Lots account to the biller's account, and you manage everything through the Big Lots website or mobile app.

The mechanics are straightforward: you enter the biller's name and account number, choose a payment date, and confirm the amount. Big Lots processes the payment and sends it to the biller. You can see the status of each payment in your account history, and you receive confirmation once the payment clears.

Key Takeaways

• Big Lots bill pay works through the Big Lots website or mobile app if you have a Big Lots credit card or Big Lots Money account.
• You can pay most types of bills — utilities, insurance, rent, phone, and loan payments — by entering the biller's information once and reusing it for future payments.
• Payments typically reach the biller within one to three business days, depending on the biller's processing speed.
• You can set up recurring payments for bills that stay the same amount each month, or make one-time payments for variable bills.
• Big Lots bill pay is included with your account at no extra charge if you have an active Big Lots credit card or Big Lots Money account.

Setting Up a Biller in Big Lots Bill Pay

To add a biller, log into your Big Lots account on the website or open the Big Lots mobile app. Look for the bill pay section — this is usually labeled "Pay Bills" or "Bill Pay" in the main menu. Select "Add a Biller" or "New Biller."

Enter the biller's name exactly as it appears on your bill. Then enter your account number with that biller — this is the number the company uses to identify you as their customer, not your Big Lots account number. You may also need to enter the biller's mailing address or a phone number, depending on the biller type. Big Lots will confirm the biller information before you can send a payment.

Once the biller is set up, it stays in your account. You do not have to re-enter this information for future payments to the same company.

Making a One-Time Payment

After you have added a biller, select it from your list of saved billers. Enter the payment amount and choose the date you want the payment to be sent. Big Lots will show you a confirmation screen with all the details — biller name, your account number with them, the amount, and the payment date.

Review this information carefully. If everything is correct, confirm the payment. Big Lots will process it when ready and show you a confirmation number. Save or print this number for your records.

The payment will leave your Big Lots account on the date you chose. It typically reaches the biller within one to three business days, though some billers process payments faster than others. You can check the status of any payment in your payment history.

Setting Up Recurring Payments

If you have a bill that stays the same amount every month — a fixed insurance premium, a loan payment, or a subscription — you can set it to pay automatically. Select the biller, then choose "Set Up Recurring Payment" or "Automatic Payment" instead of "Pay Now."

Enter the payment amount and the date each month you want it sent. You can also specify an end date if the bill will eventually stop (for example, when a loan is paid off). Big Lots will send the payment automatically on that date each month until you cancel it.

You can change or cancel a recurring payment at any time through your account. If the payment amount changes — your insurance premium goes up, for example — you can edit the recurring payment to reflect the new amount, or switch back to one-time payments for that biller.

Payment Timing and Processing

The date you choose is when Big Lots sends the payment, not when the biller receives it. Plan ahead: if a bill is due on the 15th, schedule the payment for the 12th or 13th to give the biller time to process it. Most payments arrive within one to three business days, but some billers are slower.

Payments sent on a weekend or holiday are typically processed on the next business day. If you need a payment to arrive by a specific date and you are cutting it close, contact Big Lots customer service to confirm the biller's processing time before you send it.

You can see the status of every payment you have sent in your payment history. Big Lots shows whether a payment is pending, processed, or delivered. If a payment fails — because the biller's information was incorrect, for example — Big Lots will notify you and you can resend it.

Which Bills You Can Pay and Limits

You can pay most recurring bills through Big Lots bill pay: utilities (electric, gas, water), insurance (auto, home, health), phone and internet, loan payments, rent, property taxes, and subscription services. You can also pay government agencies, medical providers, and credit card companies.

Big Lots does not charge a fee for bill pay, but there may be limits on how many payments you can send per day or per month, depending on your account type. Check your account settings or contact Big Lots customer service to confirm any limits on your specific account.

Some billers may not be set up to receive payments through Big Lots bill pay — very small local businesses or certain government offices sometimes require payment by check or in person. If you cannot add a biller, Big Lots will tell you during the setup process.

Troubleshooting Common Issues

If a payment fails, the most common reason is an incorrect account number or biller name. Double-check your bill to make sure you entered the account number exactly as it appears. Some billers use different names on different documents — your electric company might be listed as "City Power" on your bill but registered as "City Power Company" in their system. If you are unsure, call the biller and confirm the exact name and account number they have on file.

If a payment is taking longer than three business days to arrive, check your payment history to confirm the payment was actually sent. If it shows as processed, contact Big Lots customer service with your confirmation number. They can track the payment and contact the biller if needed.

If you accidentally sent a payment to the wrong biller or sent it twice, contact Big Lots when ready. Depending on the payment status, they may be able to stop it or help you recover it. The sooner you report the error, the better your chances of fixing it.

Frequently Asked Questions

Can I pay bills from a Big Lots credit card and Big Lots Money account?

Yes, both accounts have bill pay built in. If you have both, you can choose which account to pay from when you send a payment. Payments come from whichever account you select.

What happens if I set up a recurring payment and then close my Big Lots account?

Recurring payments will stop automatically when your account closes. You will not be charged for payments after your account is closed. If you are closing your account, review your recurring payments first and cancel any you do not want to continue.

Is Big Lots bill pay safe?

Big Lots uses encryption and security measures to protect your account and payment information. Your biller information is stored securely, and payments are processed through Big Lots' banking system. As with any online banking, use a find password and do not share your login details.

Can I pay a person instead of a company through bill pay?

Big Lots bill pay is designed for bills to companies and organizations, not for sending money to individuals. If you need to send money to a person, you would need to use a different service like a money transfer app or a personal check.

What if the biller does not show up when I search for them?

Not all billers are in Big Lots' system. You can still pay them by entering their information manually — name, mailing address, and your account number with them. Big Lots will send the payment by check or electronic transfer depending on the biller's setup. If you cannot find the biller and manual entry is not working, contact Big Lots customer service for other options.