Synchrony Bank online payment basics
Synchrony Bank lets you pay your credit card bill through their website or mobile app without calling or mailing a check. You log into your account, enter the amount you want to pay, choose the date the payment should arrive, and confirm. The payment moves from your bank account to Synchrony within one to three business days, depending on the payment method you choose.
Synchrony issues credit cards under many retail brand names — Lowe's, Amazon, Best Buy, Walmart, and others — but the payment process is the same regardless of which card you hold. You pay through Synchrony's main website or through the specific retailer's app if they offer that option.
You can make a one-time payment whenever you want, or set up automatic payments that deduct from your bank account on a date you choose each month. Synchrony does not charge a fee for online payments made from a U.S. bank account.
Key Takeaways
- Online payments from a linked U.S. bank account take one to three business days and cost nothing.
- You can pay through Synchrony's website, their mobile app, or sometimes through the retailer's own app if you hold a co-branded card.
- Automatic payments let you set a fixed amount and date each month, or you can make one-time payments whenever you choose.
- Payments made after 8 p.m. Eastern Time are processed the next business day, so timing matters if your due date is soon.
Where to make a Synchrony payment online
The main route is Synchrony's website at synchronybank.com. Click "Log In" at the top, enter your username and password, and you land on your account dashboard. From there, select "Make a Payment" or "Pay Now" — the exact wording depends on which card you hold.
If you have a Synchrony card issued under a retailer's name — Amazon, Lowe's, Best Buy, Walmart, or another brand — you can also pay through that retailer's website or app. Log into your account there, find the credit card section, and look for a payment option. Not every retailer offers this, so if you do not see it, use Synchrony's main website instead.
Synchrony's mobile app, available on iOS and Android, also lets you pay. Search your phone's app store for "Synchrony Bank," read it, log in with the same username and password you use on the website, and tap the payment option.
How to set up automatic payments
Automatic payments deduct money from your bank account on the same day each month. Log into your Synchrony account online, go to "Account Settings" or "Manage Account," and look for "Automatic Payments" or "Recurring Payments." Click to add a new automatic payment.
You will need to provide your bank's routing number and your account number. You can find both on a check from that account, or log into your bank's website and look for account details. Synchrony will ask you to confirm the amount you want to pay each month and the date you want it to come out.
You can set automatic payments for your full statement balance, a fixed dollar amount, or the minimum payment due. If you choose a fixed amount, make sure it is at least the minimum payment shown on your bill, or Synchrony will not process it. You can change or stop an automatic payment at any time through your account settings.
Payment methods and processing times
Synchrony accepts payments from a U.S. bank account (checking or savings) at no cost. This is the standard method and takes one to three business days. If you pay before 8 p.m. Eastern Time on a business day, Synchrony usually processes it that day; if you pay after 8 p.m. or on a weekend, it processes the next business day.
Some Synchrony cards also let you pay by debit card, but this usually comes with a fee — typically 1 to 3 percent of the payment amount. Synchrony's website will show you the fee before you confirm, so you can decide whether to use that method or link a bank account instead.
Do not send cash or money orders through the mail to Synchrony. If you do not have a bank account and cannot use a debit card, call Synchrony's customer service number on the back of your card to discuss other options.
What happens after you submit a payment
Once you confirm a payment online, Synchrony sends you a confirmation number. Write this down or take a screenshot — you will need it if you ever have to prove you paid. The confirmation does not mean the money has left your bank account yet; it means Synchrony has received your instruction.
Your bank will deduct the money within one to three business days. During that time, the payment shows as "pending" in your Synchrony account. Once your bank processes it, the status changes to "posted" and the payment counts toward your balance.
If you need to cancel a payment, you can usually do so through your Synchrony account as long as the payment has not posted yet. Once it posts, you cannot cancel it through the website — you would need to contact Synchrony directly to discuss a refund or credit.
Paying before your due date
Your Synchrony statement shows a due date — the last day you can pay without being late. If you pay online, submit your payment at least three business days before the due date to make sure it posts in time. If the due date falls on a weekend or holiday, Synchrony extends it to the next business day, but do not rely on this; pay early instead.
If you miss the due date, Synchrony reports the late payment to credit bureaus and may charge a late fee. The fee amount depends on your card terms, but it is usually $25 to $40 for the first late payment. Paying online does not prevent a late fee if the payment posts after the due date, so timing matters.
If you are worried you will forget, automatic payments remove that risk. Set it for a date you know your paycheck arrives, and the payment comes out automatically each month.
Troubleshooting common payment issues
If you try to pay and see an error message, the most common causes are a wrong username or password, an expired bank account link, or a temporary system issue. Log out completely, wait a few minutes, and try again. If the error persists, try a different browser or the mobile app.
If your payment shows as "pending" for more than three business days, contact your bank first — the delay is usually on their end, not Synchrony's. Your bank can tell you whether the transaction went through and when it will post.
If you paid but your Synchrony balance did not change, check that the payment actually posted (not just pending). Synchrony's website shows the status. If it posted and the balance is still wrong, call Synchrony's customer service number on the back of your card.
Frequently Asked Questions
Can I pay my Synchrony card with a credit card or another card?
No. Synchrony only accepts payments from a U.S. bank account (free) or a debit card (with a fee). You cannot pay with another credit card, a prepaid card, or a gift card. If you do not have a bank account or debit card, call the number on the back of your card to ask about other options.
What if I pay more than I owe?
The extra amount becomes a credit on your account. You can use it toward future purchases, or request that Synchrony refund it to your bank account. To request a refund, log into your account, go to "Account Settings," and look for a refund option, or call customer service.
Does paying online hurt my credit score?
No. Paying online has no effect on your credit score, good or bad. Only late payments and missed payments hurt your score. Paying on time, whether online or by mail, helps your score by showing you manage credit responsibly.
Can I schedule a payment for a future date?
Yes. When you make a payment online, Synchrony lets you choose the date you want the payment to post. You can pick any date up to several months in the future. The money will not leave your bank account until that date arrives.
What if my bank account information changes?
Update it in your Synchrony account settings as soon as possible. If you have automatic payments set up, log in and edit the bank account details for that payment. If you do not update it, your next automatic payment will fail and may result in a late fee.