How to make a payment to Synchrony Bank
You can make a payment to Synchrony Bank through their website, mobile app, by phone, or by mail. The fastest method is online or through the app — payments typically post the same business day if submitted before the cutoff time, usually 8 p.m. Eastern. Phone and mail payments take longer and may incur fees depending on your account type.
Synchrony Bank issues credit cards and other financial products through retail partners like Amazon, Target, and Best Buy, so your payment method depends on which card or account you hold. The steps are similar across products, but the website or app you log into will be specific to your card issuer.
Key Takeaways
- Online and mobile app payments post the same business day if submitted before the evening cutoff, while phone and mail payments take three to five business days.
- You can pay through your Synchrony account online, the Synchrony mobile app, by calling the number on the back of your card, or by mailing a check to the address on your statement.
- One-time payments and automatic recurring payments are both available; set up autopay to avoid late fees and missed due dates.
- If you pay by phone or mail, confirm the payment amount and your account number to prevent errors that delay posting.
Paying online through your Synchrony account
Log into your account at the Synchrony website or through the app associated with your specific card — for example, the Amazon Rewards Visa or Target RedCard. Once logged in, look for a "Make a Payment" or "Pay Now" button, usually on the account dashboard or in a menu labeled "Payments" or "Account Services."
Enter the amount you want to pay, select the payment date, and choose your payment method. You can pay from a bank account (which is free) or a debit card (which may carry a fee). Review the details before confirming — the payment will show as pending immediately, but it typically posts to your account within one business day.
If you are paying from a bank account for the first time, Synchrony may require you to verify the account by depositing small amounts and confirming them later. This process takes a few days but only happens once per account.
Using the Synchrony mobile app
Download the Synchrony mobile app from the Apple App Store or Google Play, then log in with your account credentials. Tap the "Pay" or "Make a Payment" button on the home screen.
Select the amount, payment date, and payment method (bank account or debit card). The app will show you the expected posting date before you submit. Payments made before 8 p.m. Eastern on a business day typically post the same day; payments made after that time or on weekends post the next business day.
Paying by phone
Call the customer service number on the back of your card. Have your account number and the amount you want to pay ready. A representative will walk you through the payment process and confirm the details before processing.
Phone payments are free but take three to five business days to post. If you are close to your due date, this method may not be fast enough to avoid a late fee — use online or app payment instead if time is tight.
Paying by mail
Write a check payable to Synchrony Bank and include your account number on the check. Mail it to the address listed on your statement under "Payment Address" or "Make Checks Payable To." Do not send cash.
Mail payments take five to seven business days to arrive and post, so send your check at least a week before your due date. Include only the check and a copy of your statement stub — do not include other documents or cards. Keep a record of the check number and amount for your records.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date and can help you avoid late fees. Log into your account online or through the app, find the "Autopay" or "Automatic Payments" section, and select the amount and due date you want.
You can set up autopay to pay your full balance, a minimum payment, or a fixed amount each month. Choose a payment method (bank account is free; debit card may have a fee) and confirm. The payment will process automatically on the date you select, and you will receive a confirmation each time.
If your balance changes or you need to pause autopay temporarily, you can adjust or cancel it anytime through your account settings. Synchrony will send you a reminder before each automatic payment posts.
What to do if your payment does not post
If you made a payment and it has not appeared in your account after the expected time, log into your account and check the payment status. Online and app payments usually show as "Pending" or "Processing" until they post; this is normal and does not mean there is a problem.
If a payment shows as failed or declined, the most common reasons are an incorrect bank account number, insufficient funds, or a mismatch between the name on your bank account and the name on your Synchrony account. Call the number on the back of your card to troubleshoot. If you paid by mail and it has been more than a week, contact customer service to confirm they received it.
Late payments and fees
A payment is considered on time if it posts by your due date. If you miss the due date, Synchrony will charge a late fee (the amount varies by card type) and may report the late payment to credit bureaus. This can lower your credit score.
If you are unable to make a full payment, contact Synchrony before your due date to discuss options. Some accounts offer hardship programs or payment plans, though these vary by card type and your account history.
Frequently Asked Questions
Can I make a payment without logging into my account?
You can pay by phone without logging in — call the number on the back of your card and provide your account number. Mail payments also do not require online access. However, online and app payments require you to log in to your account first.
Is there a fee to pay online or through the app?
Paying from a bank account is free. Paying with a debit card may carry a fee; Synchrony will show you the fee amount before you confirm the payment. Phone and mail payments are free, but they take longer to post.
What time do online payments post?
Payments submitted before 8 p.m. Eastern on a business day typically post the same day. Payments submitted after 8 p.m. or on weekends post the next business day. Weekends and holidays may delay posting by one additional day.
Can I pay someone else's Synchrony account?
No. Synchrony requires the account holder to make payments. If you are an authorized user on the account, you may be able to make payments if you have online access, but this depends on the account settings. Contact Synchrony to confirm.
What happens if I overpay my account?
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 calling customer service. Refunds typically take five to seven business days.