How to Pay Your Indigo Credit Card
You can pay your Indigo Credit Card balance online through your account, by phone, by mail, or in person at a MoneyGram location. The fastest way is online through the Indigo card website or mobile app — you can set up a one-time payment or enroll in automatic payments. If you pay by phone, call the number on the back of your card. Payments typically post to your account within one to two business days, though the exact timing depends on which method you use.
The card issuer is Indigo Credit Card, a product of Indigo Credit, Inc. They handle all payments and account management. You'll need your card number and the amount you want to pay ready before you start, regardless of which payment method you choose.
Key Takeaways
- Online payments through the Indigo website or app are the fastest option and usually post within one business day.
- You can set up automatic monthly payments so your balance is paid on a date you choose each month.
- Phone payments require calling the number on the back of your card and take one to two business days to post.
- Mail and MoneyGram payments take longer — typically five to seven business days — so plan ahead if you're close to your due date.
- Your payment due date is listed on your monthly statement, and paying at least the minimum by that date keeps your account in good standing.
Paying Online Through Your Indigo Account
Log into your Indigo Credit Card account on the Indigo website or open the Indigo mobile app. From your account dashboard, look for a "Make a Payment" or "Pay Now" button — the exact label varies slightly depending on whether you're on the website or app. Click it and enter the amount you want to pay and the date you want the payment to post.
You'll need to confirm a bank account or debit card to pull the payment from. If this is your first time paying online, you may need to add a funding source. Indigo will ask for your routing number and account number if you're paying from a bank account, or your debit card number if you're paying from a card. Once you confirm the payment, you'll see a confirmation number on screen — write it down or take a screenshot.
Online payments typically post within one business day. If you pay before 5 p.m. Eastern Time on a business day, the payment usually posts the next day. Payments made on weekends or after 5 p.m. may post the following business day.
Setting Up Automatic Monthly Payments
Automatic payments save you from having to remember your due date each month. In your Indigo account, look for "Autopay," "Automatic Payments," or "Recurring Payments" — usually found in the settings or account management section. Select the option to enroll in automatic payments.
You'll choose how much to pay each month: the full statement balance, the minimum payment, or a fixed amount you set yourself. You'll also pick the date each month when the payment should post — for example, the 15th or the last day of the month. Make sure you choose a date that gives you enough time to have funds in your bank account.
Once automatic payments are set up, Indigo will pull the payment from your bank account or debit card on that date each month. You can change or cancel automatic payments anytime through your account settings. If you cancel, you'll need to make manual payments again to avoid missing your due date.
Paying by Phone
Call the customer service number on the back of your Indigo Credit Card. A representative will ask for your card number, the amount you want to pay, and the bank account or debit card you want to pay from. Have your routing number and account number ready if you're paying from a bank account, or your debit card number if you're paying from a card.
Phone payments typically post within one to two business days. The representative will give you a confirmation number — write it down. Keep that number in case you need to check on the payment status later.
Paying by Mail or MoneyGram
To pay by mail, write a check or money order payable to Indigo Credit Card. Include your account number on the check. Mail it to the address listed on your statement — this address is specifically for payments and is different from the general mailing address.
Mail payments take five to seven business days to arrive and post. If your due date is coming up soon, mail is not a reliable option. MoneyGram is faster than mail but slower than online or phone. You can pay at a MoneyGram location using cash or a debit card. The payment posts within two to three business days, though this varies by location.
Understanding Your Due Date and Minimum Payment
Your payment due date is printed on your monthly statement. This is the date by which your minimum payment must post to keep your account in good standing. If you pay after the due date, you may be charged a late fee and your interest rate may increase.
The minimum payment is the smallest amount you can pay without penalty. It's usually a percentage of your balance plus any interest and fees. Paying only the minimum means you'll carry a balance and pay interest on it, but it keeps your account current. If you can afford to pay more, paying your full statement balance each month avoids interest charges entirely.
What to Do If Your Payment Doesn't Post
If you made a payment and it hasn't posted within the expected timeframe, log into your account and check the payment status. Most online payments show a status of "pending" or "posted" in your account history. If the payment shows as pending, it should post within one business day.
If the payment doesn't appear in your account history at all, contact Indigo customer service using the number on the back of your card. Have your confirmation number ready. The representative can look up the payment and tell you whether it was received and when it will post. If there was an error — for example, if the payment was sent to the wrong account — Indigo can help you resolve it.
Frequently Asked Questions
Can I pay my Indigo card with a credit card?
No, Indigo does not accept credit card payments. You can pay with a bank account, debit card, check, money order, or cash (through MoneyGram). Paying a credit card with another credit card typically counts as a cash advance and triggers fees and higher interest rates.
What happens if I miss my due date?
If your payment doesn't post by the due date, you'll be charged a late fee. Your interest rate may also increase. The late fee amount depends on your card terms. Missing a payment can also hurt your credit score. If you're close to your due date, use online or phone payment rather than mail.
Can I pay more than my balance?
Yes, you can pay more than your current balance. Any overpayment becomes a credit on your account and will be applied to your next statement. You can also request a refund of the overpayment by contacting Indigo customer service.
Is there a fee to pay my Indigo card?
Indigo does not charge a fee for making payments, regardless of which method you use. Online, phone, mail, and MoneyGram payments are all free. However, if you use a third-party payment service or bill pay through your bank, that service may charge a fee — check with your bank first.
How do I know if my automatic payment went through?
Log into your Indigo account and check your payment history. Automatic payments should appear as "posted" on the date you scheduled them. You can also set up account alerts through the Indigo app to notify you when a payment posts. If an automatic payment fails — for example, because your bank account has insufficient funds — Indigo will notify you and you'll need to make a manual payment.