Making a payment on your Indigo Card

You can pay your Indigo Card bill online through your account, by phone, by mail, or through automatic payments. The card issuer, Indigo Financial, processes payments and applies them to your balance within one to two business days. You'll need your account number and either a bank account or debit card to pay online or by phone.

The payment methods available depend on how you want to send money. Online payment through your account dashboard is the fastest and most direct route. If you prefer not to use the internet, you can call the customer service number on the back of your card to make a payment by phone using a bank account or debit card.

Key Takeaways

  • Online payments through your Indigo Card account typically post within one to two business days and carry no fee.
  • Phone payments require your account number and a bank account or debit card, and the same processing timeline applies.
  • Automatic payments can be set up to deduct a fixed amount or your full balance on a date you choose each month.
  • Mailed payments should be sent to the address listed on your statement and take five to seven business days to post.
  • Your minimum payment is due by the due date shown on your statement to avoid late fees and interest charges.

Paying online through your account

Log into your Indigo Card account on the Indigo Financial website or mobile app. Navigate to the payments section, which is usually labeled "Make a Payment" or "Pay Now." Enter the amount you want to pay and select the bank account or debit card you want to use as the payment source.

Review the payment details before confirming. The system will show you the amount, the date it will post, and the account it will debit. Once you submit, you'll receive a confirmation number. Save this number in case you need to reference the payment later. Most online payments post within one business day.

Setting up automatic payments

Automatic payments remove the need to remember your due date each month. In your account settings, look for "Autopay" or "Automatic Payments." You can choose to pay a fixed amount each month or have the full statement balance deducted automatically on a date you select.

If you choose to pay the full balance, your payment will be calculated based on your statement balance and will post a few days after your due date. If you set a fixed amount, make sure it's at least your minimum payment to avoid late fees. You can change or cancel automatic payments anytime through your account.

Paying by phone

Call the customer service number on the back of your Indigo Card. Have your account number ready. A representative will ask you to verify your identity, then guide you through entering the payment amount and the bank account or debit card you want to use.

Phone payments are processed the same way as online payments and typically post within one to two business days. You'll receive a confirmation number at the end of the call. This method is useful if you have questions about your account or need help with the payment process.

Paying by mail

Write a check or money order payable to Indigo Financial. Include your account number on the check. Mail it to the payment address listed on your statement or billing materials. Do not send cash through the mail.

Mailed payments take longer to process than online or phone payments — typically five to seven business days from the time they arrive. To avoid late fees, mail your payment well before your due date. If you need to make a payment quickly, use online or phone payment instead.

Understanding your due date and minimum payment

Your due date is listed on your monthly statement. This is the date by which your minimum payment must arrive at Indigo Financial to avoid a late fee. The minimum payment is the smallest amount you can pay to keep your account in good standing, but paying only the minimum means you'll pay interest on the remaining balance.

If you miss your due date, Indigo Financial will charge a late fee and may report the late payment to credit bureaus, which can lower your credit score. If you're unable to pay by the due date, contact customer service as soon as possible to discuss your options.

What happens if you pay late or miss a payment

A payment is considered late if it arrives after your due date. Indigo Financial will charge a late fee, which varies depending on your account terms. A late payment also triggers interest charges on your remaining balance at your card's APR (annual percentage rate).

If you miss a payment entirely, the late status stays on your account and may be reported to credit bureaus. This can affect your credit score and make it harder to borrow money in the future. If you realize you've missed a payment, pay as soon as you can and contact customer service to discuss whether any fees can be waived.

Frequently Asked Questions

How long does it take for an online payment to post?

Online payments typically post within one to two business days. The exact timing depends on when you submit the payment and your bank's processing schedule. Payments submitted on weekends or holidays may take longer to process.

Can I pay my Indigo Card with a credit card?

No, you cannot pay your Indigo Card with another credit card. You can only pay with a bank account (ACH transfer) or debit card. Paying with a credit card would create a cash advance, which carries higher fees and interest rates.

What if I overpay my Indigo Card?

If you pay more than your balance, the extra amount becomes a credit on your account. You can use this credit toward future purchases, or you can request a refund by contacting customer service. Refunds are typically issued within five to seven business days.

Is there a fee to make a payment on my Indigo Card?

No, Indigo Financial does not charge a fee for making payments online, by phone, or by mail. However, your bank may charge a fee if you use a third-party payment service or if you set up a wire transfer.

What should I do if my payment doesn't show up in my account?

If you made an online or phone payment and it hasn't posted within two business days, log into your account to check the payment status. If the payment shows as pending, wait a bit longer. If it doesn't appear at all, contact customer service with your confirmation number.