Where to send your Amazon Store Card payment

Your Amazon Store Card payment goes to Synchrony Bank, not to Amazon directly. Synchrony is the bank that issues the card and manages your account. You can pay online through your Synchrony account, by phone, by mail, or through automatic payments — each method has different timing and confirmation steps.

The fastest way is online at Synchrony's website or through the Synchrony mobile app. You log in with your card number and PIN, enter the amount you want to pay, and the payment posts within one business day. By phone, you call Synchrony's customer service number on the back of your card and a representative processes the payment while you wait. By mail, you send a check to the address printed on your statement, but mail payments take 7 to 10 days to reach Synchrony and another 1 to 2 days to post to your account.

Key Takeaways

  • Synchrony Bank, not Amazon, receives your Amazon Store Card payments and manages your account balance.
  • Online payments through Synchrony's website or app post within one business day and are the fastest option.
  • Phone payments are processed when ready but require you to speak with a representative and confirm your identity.
  • Mail payments take 7 to 10 days to arrive and another 1 to 2 days to post, so plan ahead if you are close to your due date.
  • Automatic payments from your bank account can be set up to pay a fixed amount or your full balance on a date you choose each month.

Setting up automatic payments

Automatic payments remove the risk of missing a due date. Log into your Synchrony account online, go to the payment settings section, and choose whether you want to pay a fixed amount each month or your full statement balance. You provide your bank account number and routing number, and Synchrony withdraws the payment on the date you select.

Most people choose to pay the full statement balance automatically on the due date shown on their bill. This ensures you never carry a balance and never pay interest. If you choose a fixed amount instead, make sure it is at least the minimum payment shown on your statement, or Synchrony will report the account as late to credit bureaus.

You can change or cancel automatic payments anytime through your Synchrony account. If you cancel, you go back to manual payments, so mark your due date on a calendar or set a phone reminder.

Paying by phone or mail

To pay by phone, call the number on the back of your card. A Synchrony representative will ask for your card number, the last four digits of your Social Security number, and the amount you want to pay. The payment is processed when ready, and you receive a confirmation number. Write down the confirmation number in case you need to dispute the payment later.

To pay by mail, write a check to Synchrony Bank and include your card number on the check. Mail it to the address shown on your statement under "Make Payments To." Do not mail cash. Because mail takes time, send your payment at least 10 days before your due date if you want to avoid a late fee. Synchrony will not receive your payment on the date you mail it — they receive it when it arrives, which can be 7 to 10 days later.

What happens if you miss a payment

If your payment does not arrive by the due date, Synchrony charges a late fee. The fee amount depends on your card terms, but typically ranges from $25 to $40 for the first late payment. After 30 days late, Synchrony reports the account to credit bureaus, which damages your credit score. After 60 days late, the interest rate on your card may increase.

If you realize you will miss a due date, call Synchrony when ready. Some representatives can work with you to arrange a payment plan or waive a single late fee if you have a good payment history. Waiting until after the due date passes makes this harder. If you have already been charged a late fee, you can ask for it to be removed, though Synchrony is not required to do so.

Understanding your statement and minimum payment

Your Synchrony statement shows your current balance, your minimum payment, and your due date. The minimum payment is the smallest amount Synchrony will accept to keep your account in good standing. Paying only the minimum means the rest of your balance carries over to the next month and accrues interest.

The interest rate on your Amazon Store Card varies based on your creditworthiness and current market rates. Check your card terms or log into your Synchrony account to see your current rate. If you carry a balance, the interest is calculated daily and added to your account each month. Paying your full statement balance by the due date avoids all interest charges.

Paying more than the minimum or paying early

You can pay more than your minimum payment at any time without penalty. Paying extra reduces the amount of interest you owe and lowers your balance faster. Some people pay twice a month — once at mid-month and once at the due date — to keep their balance low.

Paying early does not change your due date for the next statement. Your next due date is always printed on your statement and is typically 21 to 25 days after your statement closing date. If you pay your full balance before the due date, your next statement will show a zero balance, and you will owe nothing until you make new purchases.

Frequently Asked Questions

How long does an online payment take to show up?

Online payments through Synchrony's website or app post within one business day. If you pay on a Friday evening, it may not post until Monday. If you are paying close to your due date, pay by phone instead to get an when ready confirmation.

Can I pay my Amazon Store Card through Amazon.com?

No. Amazon does not process payments for the Amazon Store Card. You must pay through Synchrony Bank directly — either online at Synchrony's website, by phone, by mail, or through automatic payments. Paying through Amazon will not work and may cause confusion about whether your payment was received.

What if I pay by mail and my check gets lost?

If your check does not arrive within 10 to 12 days, call Synchrony and ask them to search for it. Provide your check number and the amount. If they cannot find it, you can stop payment on the check through your bank and send a new payment by phone or online. Keep a record of when you mailed the check and the check number in case you need to prove you paid.

Do I have to use the same payment method every month?

No. You can pay online one month, by phone the next month, and by mail the month after. You can also set up automatic payments and make an extra payment online whenever you want. Synchrony accepts payments through any method as long as they arrive by the due date.

What is the difference between my statement balance and my current balance?

Your statement balance is what you owed on the day your statement closed. Your current balance includes any purchases or payments you have made since the statement closed. When you pay, you can pay either amount, but paying your full statement balance ensures you do not carry interest into the next month.