How to Pay Your Target Bill Through Your Bank's Bill Pay

Paying Target Through Bill Pay

You can pay a Target bill through your bank's bill pay system by setting Target as a payee, entering the amount you owe, and scheduling the payment date. Your bank will mail a check to Target's payment processing center or send the money electronically, depending on how your bank handles bill pay. The payment usually arrives within three to five business days after the date you schedule it.

Target bills typically come from a Target credit card, a Target RedCard debit card, or a layaway account. Before you set up bill pay, have your Target account number and the payment address from your bill handy — you'll need both to add Target as a payee in your bank's system.

Key Takeaways

• You add Target as a payee in your bank's bill pay portal, then enter your Target account number and the payment address shown on your bill.
• Payments sent through bill pay take three to five business days to reach Target, so schedule them at least a week before your due date.
• Your bank may mail a physical check or send the payment electronically — either way, the timeline is the same.
• You can also pay Target directly through their website or app without using bill pay, which processes when ready.

Steps to Add Target as a Payee

Log into your bank's online banking portal or mobile app and find the bill pay section. This is usually under a tab labeled "Bill Pay," "Payments," or "Transfer Money." Click the option to add a new payee.

Enter Target as the payee name. Your bank will ask for the mailing address where Target payments should go. Use the payment address printed on your Target bill — this is different from a store address and ensures your payment reaches the right processing center. Enter your Target account number in the account number field. Some banks also ask for a phone number; use the customer service number from your bill if prompted.

Review the information for accuracy and confirm. Your bank will add Target to your payee list. You can now use this payee to schedule payments whenever you need to.

Scheduling and Sending Your Payment

Once Target is set up as a payee, select it from your payee list and enter the amount you want to pay. Your bank will ask you to choose a payment date — this is the date your bank will process the payment, not the date Target receives it. Since bill pay payments take three to five business days to arrive, schedule your payment at least seven days before your Target bill's due date.

For example, if your Target bill is due on the 20th, schedule the payment for the 13th or earlier. This gives the payment time to travel through the banking system and reach Target's payment center before the due date. Review the payment details one more time, then confirm and submit.

Your bank will send you a confirmation number. Keep this for your records in case you need to follow up on the payment later.

How Long Target Bill Pay Takes

Bill pay payments to Target typically take three to five business days from the date you schedule them. This timeline applies whether your bank mails a check or sends the payment electronically. Weekends and bank holidays do not count as business days, so a payment scheduled on a Friday may not arrive until the following Wednesday or Thursday.

Target's payment processing center may take an additional one to two business days to post the payment to your account after they receive it. If you are cutting it close to your due date, call Target's customer service line at the number on your bill to confirm they have received your payment before the due date passes.

When to Use Bill Pay vs. Paying Target Directly

Bill pay is useful if you prefer to manage all your bills in one place through your bank. It works well for bills you pay on a regular schedule. However, if you need to pay Target when ready or want to see the payment post right away, paying directly through Target's website or app is faster — those payments process when ready.

To pay Target directly, log into your Target account online or open the Target app, go to your account settings, and select the payment option. You can pay with a debit card, credit card, or bank account. This method shows your payment reflected in your account when ready, though it may take one to two business days to clear from your bank account.

If you have a Target RedCard debit card, you can also make payments at any Target store by speaking with a cashier or using the customer service desk.

Troubleshooting Bill Pay Payments to Target

If your payment does not appear in your Target account within seven business days of the scheduled payment date, contact your bank first. Ask them to confirm the payment was sent and provide you with the check number or transaction reference number. Your bank can tell you whether the payment is still in transit or if there was an issue sending it.

If your bank confirms the payment was sent but Target says they have not received it, provide Target's customer service team with the check number or transaction reference from your bank. Target can then search their payment processing center for the missing payment. Do not make a second payment until you have confirmed the first one is truly lost, or you may pay twice.

If you need to cancel a bill pay payment to Target before it is sent, log back into your bank's bill pay system and look for a cancel option next to the scheduled payment. You can usually cancel up until the payment is processed, which is typically the day before the scheduled payment date. Once the payment has been processed and sent, you cannot cancel it through bill pay — you would need to contact your bank to stop payment, though this may involve a fee.

Setting Up Recurring Payments

If you pay Target regularly, most banks allow you to set up a recurring bill pay payment. This means you schedule the payment once, and your bank automatically sends it on the same date each month or on a schedule you choose. To set this up, look for an option to make the payment recurring when you schedule it, or edit an existing Target payee to add a recurring schedule.

Recurring payments are convenient, but remember that you are responsible for making sure the amount is correct each month. If your Target bill varies, you may want to manually adjust the amount each time rather than using a fixed recurring payment. You can always pause or cancel a recurring payment through your bank's bill pay system if your situation changes.

Frequently Asked Questions

Can I pay a Target RedCard through bill pay?

Yes, you can pay any Target credit card or RedCard through bill pay using the payment address on your bill. The process is the same as paying any other Target account. If you have a Target RedCard debit card, you can also transfer money directly from your bank account to reload it, which may be faster than bill pay.

What if I do not have my Target account number?

Your Target account number appears on your bill statement. If you do not have a physical bill, log into your Target account online or call Target customer service at the number on your receipt or the back of your card. They can provide your account number and the correct payment address to use in bill pay.

Will bill pay work if I owe Target money from a layaway?

Yes, you can pay a Target layaway balance through bill pay. Use the payment address from your layaway receipt or statement. Make sure you enter your layaway account number so the payment is credited to the correct account.

Is there a fee to pay Target through bill pay?

Most banks do not charge a fee for bill pay payments. However, some banks charge a small fee per payment or offer bill pay only to customers with certain account types. Check your bank's bill pay terms or contact customer service to confirm whether there is a fee.

Can I pay Target through bill pay if I use a credit union instead of a bank?

Yes, most credit unions offer bill pay services that work the same way as bank bill pay. Log into your credit union's online banking system and follow the same steps to add Target as a payee and schedule a payment.