How to Pay Your Synchrony Bill Online and by Phone

What Synchrony Pay My Bill does

Synchrony Pay My Bill is the online and phone payment system Synchrony Bank uses to let cardholders make payments on their credit card accounts. You can pay through their website, mobile app, or by calling their automated phone line. Payments typically post within one business day if you pay before the cutoff time on your statement due date.

Synchrony issues credit cards for retailers and brands — cards like Amazon Prime Rewards, Best Buy, Lowe's, and others. Each card is backed by Synchrony Bank, so all payments go through the same system regardless of which store card you hold.

The system lets you pay your full balance, a minimum payment, or any amount in between. You can also set up automatic payments so the same amount withdraws from your bank account on the same day each month.

Key Takeaways

• You can pay through Synchrony's website, mobile app, or by phone at the number on the back of your card.
• Payments made before your statement cutoff time typically post within one business day.
• You can pay your full balance, minimum payment, or any custom amount in a single transaction.
• Setting up automatic payments requires your bank account number and routing number, and you can change or cancel the arrangement anytime.
• Late fees and interest charges explore if your payment arrives after the due date shown on your statement.

Paying online through the Synchrony website

Go to mysynchrony.com and sign in with your username and password. If you do not have an account, you can create one by entering your card number, Social Security number, and date of birth. Once logged in, select "Make a Payment" or "Pay Now" from the main menu.

Enter the amount you want to pay and choose your payment method. Synchrony accepts payments from a bank account (checking or savings), another Synchrony card, or a debit card. If you pay from a bank account, you will need your routing number and account number. Enter the payment date — you can schedule a payment for today or up to 15 days in the future.

Review the details and confirm. Synchrony will show you a confirmation number when ready. Payments from a bank account post within one business day if submitted before 8 p.m. Eastern Time on a business day. Debit card payments may take longer.

Paying through the Synchrony mobile app

read the Synchrony mobile app from the Apple App Store or Google Play Store. Sign in with the same username and password you use on the website. Tap "Pay" or "Make a Payment" at the bottom of the screen.

Select which card you want to pay if you have more than one Synchrony card. Enter your payment amount and choose your payment method — bank account, debit card, or another Synchrony card. Set the payment date and review the details before confirming.

The app shows your current balance, minimum payment due, and statement due date on the main screen, so you can see at a glance what you owe and when it is due.

Paying by phone

Call the number on the back of your Synchrony card. An automated system will ask you to enter your card number and last four digits of your Social Security number to verify your identity. You can then choose to pay by phone using an automated menu or ask to speak with a representative.

If you use the automated system, you will enter the amount you want to pay and confirm your bank account information or debit card. The system will read back the details and ask you to confirm before processing the payment. Payments made before 8 p.m. Eastern Time on a business day typically post within one business day.

Speaking with a representative takes longer but may be helpful if you have questions about your account, need to discuss a payment plan, or want to set up automatic payments with guidance.

Setting up automatic payments

Automatic payments withdraw money from your bank account on the same day each month and send it to Synchrony. You can set this up through the website, app, or phone. On the website or app, look for "Autopay" or "Automatic Payments" in the account settings menu. On the phone, ask the representative to set up autopay.

You will need to choose a payment day (between the 1st and 28th of each month), a payment amount, and which bank account to draw from. Synchrony offers three common autopay options: pay your minimum payment, pay a fixed amount you choose, or pay your full statement balance each month.

You can change or cancel automatic payments anytime through the website, app, or phone. If you cancel, you will need to make manual payments to avoid late fees. Synchrony sends a confirmation email each time an automatic payment processes.

What happens if your payment is late

Your payment is late if it arrives after the due date printed on your statement. Synchrony charges a late fee — the amount varies by card and account history but typically ranges from $25 to $40 for the first late payment. A second late payment within six months usually costs more.

Late payments also trigger interest charges on your full balance if you carry a balance month to month. Your interest rate may increase if you have multiple late payments. Late payments stay on your credit report for seven years and can lower your credit score.

If you know you will miss a due date, contact Synchrony before the date arrives. Representatives can sometimes arrange a short extension or discuss a payment plan, though this is not may provide.

Payment timing and cutoff times

Synchrony processes payments submitted before 8 p.m. Eastern Time on a business day as same-day submissions. Payments submitted after 8 p.m. or on weekends and holidays are processed the next business day. "Business day" means Monday through Friday, excluding federal holidays.

Even if your payment posts within one business day, it may not show on your account when ready. Synchrony typically updates your available credit and balance within a few hours of posting, but some delays can occur during high-volume periods.

If you schedule a payment for a future date, Synchrony will process it on that date. If the scheduled date falls on a weekend or holiday, the payment processes on the next business day. This matters if your due date is close to a weekend.

Frequently Asked Questions

Can I pay my Synchrony bill with a credit card?

No. Synchrony does not accept credit card payments, including cards from other banks. You can pay with a bank account, debit card, or another Synchrony card. Paying with a debit card may take longer to post than paying from a bank account.

What if I do not receive a confirmation after I pay?

Check your email for a confirmation message from Synchrony — it may take a few minutes to arrive. Log back into your account and look for the payment in your transaction history. If you still cannot find it, call the number on the back of your card to confirm the payment was received.

Can I pay someone else's Synchrony bill?

No. Synchrony only accepts payments from the cardholder or an authorized user on the account. If you are an authorized user, you can make payments using the same methods as the primary cardholder. If you are not on the account, the cardholder must make the payment themselves.

What if I want to pay more than my balance?

Synchrony will not accept a payment larger than your current balance. If you want to prepay for future purchases, you can pay your full balance and any amount up to it, but not beyond. Any overpayment would create a credit balance on your account.

How do I know if my payment posted?

Log into your Synchrony account online or through the app and check your current balance and recent transactions. Your available credit should increase once the payment posts. You can also call the number on the back of your card to hear your current balance and recent payment activity.