Where to send your Amazon Store Card payment

Your Amazon Store Card is issued by Amazon and serviced by Synchrony Bank. Payments go to Synchrony, not to Amazon directly. You can pay online through your Synchrony account, by phone, by mail, or through automatic transfers from your bank account.

The fastest route is logging into your Synchrony account at mysynchrony.com or through the Synchrony mobile app. You can see your balance, due date, and payment history there, and you can make a one-time payment immediately. If you prefer not to use the website, you can call Synchrony's customer service line — the number is on the back of your card.

Mailing a check is slower but still an option. Your payment coupon (if you receive paper statements) shows the mailing address. Allow 7 to 10 business days for a mailed payment to post to your account, so send it well before your due date if you want to avoid late fees.

Key Takeaways

  • Payments go to Synchrony Bank, the card issuer, not to Amazon — you can pay online at mysynchrony.com, by phone, by mail, or through automatic bank transfers.
  • Online and phone payments usually post within one business day, while mailed checks take 7 to 10 business days to clear.
  • Your due date appears on your monthly statement and in your Synchrony account, and late payments trigger fees and interest charges.
  • Setting up automatic payments from your bank account ensures you never miss a due date, though you can still make extra payments anytime.

Paying online or through the app

Log into mysynchrony.com with your username and password, or download the Synchrony mobile app and sign in there. Once you are in your account, look for "Make a Payment" or "Pay Now." You will see your current balance, minimum payment due, and the due date.

Enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between. Choose your payment method: debit card, bank account, or another linked account. Confirm the payment, and it will post to your account within one business day. You will receive a confirmation number immediately.

If you want to set up recurring automatic payments, that option is also in your Synchrony account under payment settings. You choose the amount (minimum payment, full balance, or a fixed dollar amount) and the day of the month it should process. This removes the risk of forgetting a due date.

Paying by phone or mail

To pay by phone, call the customer service number on the back of your card. A representative will walk you through the payment over the phone and take your bank account or debit card information. Phone payments also post within one business day.

If you receive paper statements, your payment coupon shows the mailing address for checks. Write your account number on the check, include the coupon if you have it, and mail it at least 10 days before your due date. Synchrony processes mailed payments more slowly than online or phone payments, so plan accordingly.

Understanding your due date and payment deadlines

Your due date is listed on your monthly statement and in your Synchrony account. Payments must arrive by 5 p.m. Eastern Time on the due date to avoid a late fee. If your due date falls on a weekend or holiday, Synchrony typically moves it to the next business day, but check your statement to be sure.

A late payment triggers a late fee (the amount depends on your account terms) and may raise your interest rate. Even one late payment can affect your credit score. If you miss a payment, contact Synchrony as soon as possible — sometimes they can waive a first late fee if you call before the payment is 30 days overdue.

Minimum payment vs. paying in full

Your minimum payment covers interest and a small portion of principal, but paying only the minimum means you carry a balance and pay interest charges each month. The longer you carry a balance, the more interest you pay overall.

Paying the full statement balance by the due date means you owe no interest on that month's purchases. If you can pay in full each month, that is the lowest-cost option. If you cannot, paying more than the minimum still reduces the total interest you pay and gets you out of debt faster.

What to do if you cannot pay on time

If you know you will miss a due date, contact Synchrony before the payment is late. Explain your situation — they may offer a hardship program, a temporary lower payment, or a payment plan. These options vary by account, but calling ahead is always better than letting a payment go unpaid.

If you have already missed a payment, call Synchrony immediately. The sooner you bring the account current, the less damage it does to your credit. Ask whether they can waive the late fee, especially if it is your first missed payment.

Frequently Asked Questions

How long does it take for a payment to show up in my account?

Online and phone payments post within one business day. Mailed checks take 7 to 10 business days. If you are close to your due date, pay online or by phone to make sure the payment arrives on time.

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

No. Amazon does not process payments for the Store Card. You must pay through Synchrony Bank at mysynchrony.com, by phone, by mail, or through automatic bank transfer. Paying through Amazon will not work.

What happens if I pay more than I owe?

The extra amount becomes a credit on your account and applies to your next statement. You can also request a refund of the overpayment by calling Synchrony customer service.

Do I have to pay the full balance, or can I pay just the minimum?

You can pay any amount between the minimum and the full balance. Paying only the minimum means you carry a balance and pay interest. Paying the full balance by the due date means no interest charges that month.

Is there a fee for paying online?

No. Synchrony does not charge a fee for online payments, phone payments, or automatic bank transfers. Mailed checks are also free, though they take longer to process.