Where to find Target bill pay and what you need to log in
Target bill pay is part of Target Circle, the store's membership program. You access it through the Target app or Target.com, not through a separate website. To log in, you need a Target Circle account — which is free to create — and the password you set when you made it.
The bill pay feature lets you pay bills directly from your Target Circle account to companies like utilities, insurance providers, and loan servicers. Target does not charge a fee for this service. The payments come from a bank account or debit card you link to your Target Circle account.
If you do not yet have a Target Circle account, you will need to create one before you can use bill pay. This takes about five minutes and requires an email address and a password of your choice.
Key Takeaways
- Target bill pay is accessed through the Target app or Target.com using your Target Circle login credentials, not through a separate bill pay website.
- You must have a Target Circle account to use bill pay, and you can create one free at any time on the Target website or app.
- Bill payments are sent from a bank account or debit card you add to your Target Circle account, and Target charges no fee for this service.
- Once logged in, you can set up payees, schedule payments for specific dates, and view a history of payments you have sent.
Steps to log in on the Target app
Open the Target app on your phone or tablet. At the bottom of the screen, tap the account icon (it looks like a person's head and shoulders). Tap "Sign In" if you are not already logged in to your Target Circle account.
Enter the email address or phone number associated with your Target Circle account, then enter your password. If you have two-factor authentication turned on, you will receive a code by text or email — enter that code to finish signing in.
Once you are signed in, tap "Manage Account" or look for a menu option labeled "Bill Pay" or "Payments." The exact wording and location can shift with app updates, but it will be in the account section, not on the main shopping screen.
Steps to log in on Target.com
Go to Target.com and look for the account icon in the top right corner of the page. Click "Sign In." Enter your email address or phone number and your password.
If you have two-factor authentication enabled, Target will send you a code by text or email. Enter that code to complete the sign-in.
After you are signed in, look for a link or menu item called "Bill Pay," "Manage Payments," or "Account Services." This is usually found in the account menu or under a "Services" section. Click it to reach the bill pay dashboard.
What to do if you forgot your password
On the Target app or Target.com sign-in page, click or tap "Forgot Password?" Enter the email address or phone number linked to your Target Circle account. Target will send you a password reset link by email or a code by text message.
Click the link in the email or enter the code on the screen, then create a new password. Your new password must be at least eight characters long. Once you have reset your password, you can sign in with your new one.
If you do not receive the reset email or text within a few minutes, check your spam or junk folder. If you still cannot find it, try resetting again or contact Target's customer service for help.
Setting up a payment method for bill pay
After you log in to bill pay, you will need to add a bank account or debit card before you can send your first payment. Click "Add Payment Method" or a similar button in the bill pay section.
You can link a checking account, savings account, or debit card. If you use a bank account, you will need to provide your routing number and account number — these appear on the bottom left of your checks. If you use a debit card, enter the card number, expiration date, and CVV (the three-digit code on the back).
Target may verify your bank account by sending two small deposits to it — usually within one to two business days. You will then need to confirm the amounts of those deposits in your Target account to complete the verification. Once verified, you can use that account or card to send bill payments.
Troubleshooting common login problems
If you see an error message saying your username or password is incorrect, make sure you are using the email address or phone number you registered with, not your Target Circle card number. Passwords are case-sensitive, so check that Caps Lock is not on.
If you are locked out after several wrong password attempts, Target may temporarily block your account for security. Wait 15 to 30 minutes and try again, or use the "Forgot Password?" link to reset it.
If you see a message that bill pay is unavailable in your area, Target's bill pay service may not yet be offered where you live. This varies by state and region. Check back later, as Target continues to expand the service.
If you have two-factor authentication turned on and are not receiving the code, check that your phone number or email address is current in your Target Circle account settings. You can also turn off two-factor authentication temporarily if you need to sign in right away, though turning it back on afterward is recommended for security.
How to schedule and track payments
Once you are logged in and have added a payment method, click "Add a Payee" or "New Payment." Enter the name of the company you want to pay and their mailing address. Some common payees like utilities or credit card companies may appear in a dropdown list — select one if it matches your payee.
Enter the amount you want to pay and the date you want it sent. Target will mail the payment to the payee, so allow five to seven business days for it to arrive. You can schedule payments in advance or send them right away.
To view past payments, look for a "Payment History" or "Recent Payments" section in your bill pay account. This shows the payee name, amount, date sent, and status (pending, processed, or delivered). You can read or print this history if you need it for your records.
Frequently Asked Questions
Do I need a Target Circle membership card to use bill pay?
No. Target Circle is a free membership program, and you do not need a physical card. Your account is tied to your email address and password. You can use bill pay as long as you have created a free Target Circle account.
Can I pay bills from a credit card instead of a bank account?
Target bill pay does not accept credit cards as a payment source. You can only link a checking account, savings account, or debit card. This is a security measure to prevent fraud.
What happens if I schedule a payment but then cancel it?
You can cancel a payment as long as it has not been mailed yet. Once Target has mailed the check, you cannot cancel it through the app or website. If a payment is pending, look for a "Cancel" button next to it in your payment history.
Is there a limit to how many bills I can pay each month?
Target does not publish a specific limit on the number of payments you can send. However, your bank or the payee may have their own limits. If you send an unusually large number of payments in a short time, Target may flag your account for review.
Can I use bill pay if I do not have a smartphone?
Yes. You can log in and use bill pay on any computer or tablet by going to Target.com. You do not need the app. The bill pay features work the same way on the website as they do on the mobile app.