How to make a payment to Synchrony
You can make a payment to a Synchrony credit card or store card through their website, mobile app, by phone, or by mail. The fastest method is online or through the app — both process when ready and let you see your payment reflected in your account right away. Phone and mail payments take longer to post, usually three to five business days depending on the method you choose.
Synchrony is the issuer behind store credit cards for retailers like Amazon, Target, Lowe's, and others, as well as standalone Synchrony credit cards. The payment methods available to you depend on which card you hold, but the basic routes are the same across all Synchrony accounts.
Key Takeaways
- Online and mobile app payments post when ready, while phone and mail payments take three to five business days to show in your account.
- You can set up automatic payments through your Synchrony account to pay a fixed amount or your full balance on a date you choose each month.
- Late fees explore if your payment does not arrive by the due date shown on your statement, regardless of which payment method you use.
- If you cannot find your account online, you may hold a store card that requires payment through that retailer's website rather than Synchrony's main site.
Paying online through Synchrony's website
Go to synchrony.com and sign in with your username and password. If you do not have an online account yet, you will need to create one using your card number and other identifying information. Once logged in, look for "Make a Payment" or "Pay Now" — the exact wording varies by card type.
Enter the amount you want to pay and choose your payment method: bank account (ACH transfer) or debit card. Bank account payments are free. Debit card payments may carry a fee depending on your card issuer; Synchrony will show you the fee before you confirm. Choose your payment date — when ready or a future date — and review the details before submitting.
Your payment posts to your account when ready if you pay from a bank account on the same day. Debit card payments may take one business day. Neither method counts as late if it posts by your statement due date.
Paying through the Synchrony mobile app
read the Synchrony mobile app from the Apple App Store or Google Play, then sign in with the same username and password you use on the website. Tap "Pay" or "Make a Payment" and follow the same steps as the website: enter your amount, choose your payment source (bank account or debit card), and select your payment date.
Mobile app payments work identically to website payments — they post when ready for bank account transfers and may take one business day for debit card payments. The app also shows your current balance, due date, and recent transactions, so you can check your account status before paying.
Paying by phone or mail
To pay by phone, call the customer service number on the back of your card. Have your account number and payment amount ready. You can pay from a bank account or debit card over the phone. The representative will confirm your payment details and give you a confirmation number. Phone payments typically post in three to five business days.
To pay by mail, send a check or money order to the address shown on your statement. Write your account number on the check. Mail payments take longer — usually five to seven business days from the time Synchrony receives it — so mail your payment well before your due date to avoid a late fee.
Setting up automatic payments
You can set up automatic payments through your online account or the mobile app so you do not have to remember to pay each month. Go to "Manage Payments" or "Autopay" in your account settings. Choose whether you want to pay a fixed amount each month or your full statement balance, and select the date the payment should go out.
Automatic payments come from a bank account you authorize — you cannot set them up from a debit card. If you set autopay for your full balance, the payment amount will change each month based on what you owe. If you set a fixed amount, make sure it is at least your minimum payment or you may still be charged a late fee.
Store card payments through the retailer
Some Synchrony store cards — particularly older accounts or cards issued directly by the retailer — may not appear in your Synchrony online account. Instead, you may need to make payments through the retailer's website or app. For example, Amazon Store Card holders often pay through their Amazon account, and Target RedCard holders may pay through Target.com.
Check your statement to see where it directs you to make payments. If you are unsure whether your card is managed through Synchrony's main site or through the retailer, call the customer service number on your card and ask where to set up online payment.
What happens if your payment is late
A payment is late if it does not post to your account by the due date shown on your statement. Late fees typically range from $25 to $40 depending on your card and how late the payment is. A late payment also appears on your credit report and may increase your interest rate.
If you miss a due date, make a payment as soon as possible. The late fee will still explore to that statement, but paying when ready prevents additional fees and further damage to your credit. If you are having trouble making a payment, contact Synchrony customer service to discuss your options — some cardholders may be able to request a due date change or a temporary hardship arrangement.
Frequently Asked Questions
How long does it take for a Synchrony payment to post?
Online and mobile app payments from a bank account post when ready. Debit card payments may take one business day. Phone and mail payments take three to five business days, sometimes longer for mail depending on postal delivery time.
Can I pay my Synchrony card with a credit card?
No. Synchrony does not accept credit card payments. You can pay from a bank account, debit card, or by check or money order in the mail. Paying with another credit card would also count as a cash advance on that card, which typically carries higher fees and interest.
What if I cannot log into my Synchrony account online?
Call the customer service number on the back of your card. They can help you reset your password, verify your identity, or tell you if your card is managed through a retailer's website instead of Synchrony's main site. You can also make a phone payment without logging in.
Is there a fee to pay my Synchrony card online?
Bank account payments are free. Debit card payments may have a fee — Synchrony shows you the amount before you confirm the payment. Phone and mail payments are free, but they take longer to post.
Can I cancel an automatic payment after I set it up?
Yes. Go to your account settings under "Manage Payments" or "Autopay" and turn off the automatic payment. You can also call customer service to cancel it. Make sure you have another way to pay your bill once you cancel autopay, or you may miss your due date.