How to Pay Your Macy's Bill Online, by Mail, or by Phone

How to pay your Macy's bill

You can pay your Macy's bill through three main routes: online at macys.com, by phone at 1-800-289-6229, or by mailing a check. Online payment is the fastest — your payment posts the same business day if you submit before 8 p.m. Eastern time. Phone payments also post same-day. Mail payments typically take 7 to 10 business days to reach Macy's and post to your account, so mail earlier if your due date is soon.

You will need your account number and either a bank account (for electronic transfer) or credit card to pay online or by phone. If you pay by mail, write your account number on the check and send it to the address printed on your bill statement.

Key Takeaways

• Online payment at macys.com posts the same business day if submitted before 8 p.m. Eastern time, making it the fastest option.
• Phone payments to 1-800-289-6229 also post same-day and do not require you to set up an online account.
• Mail payments take 7 to 10 business days, so send your check at least two weeks before your due date to avoid a late payment.
• You can set up automatic payments online to have your bill paid on the same date each month without logging in each time.
• Late payments typically trigger a late fee and may raise your interest rate, so confirm your payment posted before the due date passes.

Paying online through your Macy's account

Log in to macys.com with your email and password. Click on "Account" in the top right, then select "Manage Account" and "Pay Your Bill." Enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between. Choose your payment method: bank account (which takes 1 to 2 business days to verify the first time) or debit card (which posts when ready).

Review the payment amount and due date, then click "Submit Payment." You will see a confirmation number on screen — write this down or take a screenshot. The payment posts to your account the same business day if you submit before 8 p.m. Eastern time. If you submit after 8 p.m., it posts the next business day.

If you do not have a Macy's online account yet, you can create one using your email, account number, and ZIP code. You will receive a temporary password by email, which you can change after logging in for the first time.

Paying by phone

Call 1-800-289-6229 and have your account number ready. A representative will ask for your account number, the amount you want to pay, and your payment method. You can pay with a bank account or debit card. The representative will confirm the payment amount and due date before processing.

Phone payments post the same business day. You will receive a confirmation number at the end of the call — ask the representative to repeat it and write it down. Keep this number for your records in case you need to verify the payment later.

Phone lines are typically open Monday through Friday, 8 a.m. to 10 p.m. Eastern time, and Saturday and Sunday, 9 a.m. to 8 p.m. Eastern time. Wait times are usually shorter early in the morning or mid-week.

Paying by mail

Write a check for the amount you owe and include your account number on the check itself — write it in the memo line or on the back. Place the check in an envelope with the payment stub from your bill statement if you have one, or write your account number on a separate piece of paper. Mail it to the address printed on your statement under "Payment Address" or "Send Payment To."

Mail payments take 7 to 10 business days to arrive and post to your account. To avoid a late payment, mail your check at least two weeks before your due date. If your due date is within 10 days, use online or phone payment instead.

Do not mail cash. If you lose track of whether your check arrived, log into your online account or call 1-800-289-6229 to confirm the payment posted.

Setting up automatic payments

Automatic payments let you choose a date each month and have your bill paid without logging in. Log into macys.com, go to "Account" and "Manage Account," then select "Autopay" or "Automatic Payments." Choose the date you want the payment to come out each month — most people choose the due date or a few days before it.

Select the payment amount: you can pay the full statement balance, the minimum payment, or a fixed dollar amount. Choose your payment method (bank account or debit card) and confirm. Your first automatic payment will process on the date you selected, and then repeat every month on that same date.

You can change or cancel automatic payments anytime by logging back into your account. If you cancel, you will need to pay manually going forward.

What happens if your payment is late

A late payment is one that arrives after your due date. Macy's typically charges a late fee — the amount varies but is usually $25 to $40 depending on your account terms. A late payment also appears on your credit report and may raise your interest rate on future purchases.

If you miss a due date, pay as soon as you can. The sooner you pay, the less interest will accrue on the unpaid balance. If you are having trouble making a payment, call 1-800-289-6229 to discuss your options with a representative — some accounts may have hardship programs available.

Confirming your payment posted

After you pay online or by phone, log into your account within 24 hours to confirm the payment shows up. Look for the payment in your transaction history or account summary — it should list the date paid, amount, and status (usually "Posted" or "Pending"). If the payment shows "Pending," it will move to "Posted" within one business day.

If you paid by mail and your due date is approaching, call 1-800-289-6229 a few days after mailing to confirm the payment arrived. Provide your check number if you have it. If the payment has not posted and your due date is within a few days, make a second payment online or by phone to avoid a late fee — you can request a refund of the duplicate payment once the mailed check posts.

Frequently Asked Questions

Can I pay my Macy's bill with a credit card?

No, Macy's does not accept credit card payments for bill payments. You can pay with a debit card, bank account, or check. If you want to use a credit card, you would need to use a third-party bill pay service through your bank, though this adds extra steps and may delay posting.

What if I pay more than I owe?

The extra amount becomes a credit on your account and will be applied to your next bill. If you want a refund instead, call 1-800-289-6229 and request one — refunds typically take 5 to 7 business days to appear in your bank account.

Is there a fee to pay my bill online or by phone?

No, Macy's does not charge a fee for online or phone payments. Paying by mail is also free, though you pay for postage. Some third-party bill pay services charge a fee, but Macy's own payment methods do not.

What if my payment was rejected?

Online and phone payments are usually rejected because of insufficient funds, an expired card, or a closed bank account. You will see an error message on screen or hear it from the phone representative. Fix the issue (add funds, update your card, or use a different payment method) and try again. If the problem persists, call 1-800-289-6229 for help.

Can I pay someone else's Macy's bill?

You can pay online or by phone if you have the account number and are authorized on the account. If you are not on the account, you can mail a check with the account number written on it, but Macy's may not post it without proper authorization. Call 1-800-289-6229 first to confirm the account holder has authorized you to pay.