Synchrony Bank's online payment system lets you pay your credit card bill through their website or mobile app, usually within one business day
Synchrony Bank issues credit cards for retailers like Amazon, Target, Lowe's, and others. To pay your bill, you log into your account at synchronybank.com or use the Synchrony mobile app, then choose how much to pay and when. Payments typically post within one business day if you submit them before the cutoff time (usually 8 p.m. Eastern). You can pay in full, make a minimum payment, or choose any amount in between.
You do not need to set up anything special to use online payment — it is the default method available to all cardholders. The system accepts payment from a checking or savings account at any U.S. bank, and you can schedule payments in advance or pay immediately.
Key Takeaways
- Log into your Synchrony account online or through the mobile app to see your balance and payment options.
- Payments from a linked bank account usually post within one business day if submitted before the daily cutoff.
- You can pay immediately, schedule a payment for a future date, or set up automatic recurring payments.
- If you miss a payment deadline, contact Synchrony directly — late fees and interest charges apply to unpaid balances.
Logging in and finding the payment screen
Go to synchronybank.com and click "Log In" at the top of the page. Enter your username and password. If you do not have an online account yet, you will need to register using your card number, Social Security number, and date of birth.
Once logged in, look for "Make a Payment" or "Pay Now" — the exact wording varies by card issuer, but it is usually visible on your account dashboard or in a menu labeled "Payments" or "Account." The Synchrony mobile app has the same feature in the main menu. You will see your current balance, minimum payment due, and due date.
Choosing a payment amount and date
The payment screen shows three common options: pay the full balance, pay the minimum due, or pay a custom amount. Select the amount you want to send. Then choose whether to pay today or on a specific future date — if you pick a future date, the payment will process on that day (or the next business day if you choose a weekend or holiday).
Payments submitted before the daily cutoff (usually 8 p.m. Eastern) post the next business day. If you submit after the cutoff, the payment may post the day after that. Synchrony does not charge a fee for online payments, but your own bank may charge a fee if you use a credit card or debit card to fund the payment — most banks do not charge for bank account transfers.
Setting up automatic payments
If you want the same amount to pay every month without logging in each time, you can set up automatic payments. On the payment screen, look for an option like "Autopay" or "Recurring Payment." You choose the amount (full balance, minimum, or custom), the day of the month it should process, and how long the arrangement should continue.
Automatic payments are useful for avoiding late fees, but read the terms carefully — if you set it to pay only the minimum, you will carry a balance and pay interest. Many cardholders set autopay to the full balance to avoid that trap. You can change or cancel automatic payments anytime through your account settings.
What happens if a payment fails
A payment can fail if your bank account does not have enough funds, if the account number is wrong, or if your bank rejects the transfer for security reasons. Synchrony will notify you by email or text (depending on your preferences) and usually gives you a chance to resubmit. Check your account to see the reason for the failure and correct it.
If a payment fails and you do not resubmit quickly, your account will be considered late. Late payments trigger a late fee (the amount varies by card) and a higher interest rate on your balance. Contact Synchrony's customer service if you are unsure why a payment did not go through — their number is on the back of your card.
Paying by phone or mail if online is not an option
If you cannot or prefer not to pay online, Synchrony accepts payments by phone. Call the number on the back of your card and speak to a representative. They can process a payment from your bank account immediately. Phone payments are free, but you will need your account number and routing number ready.
You can also mail a check to the address shown on your statement. Write your account number on the check and mail it to the payment address listed in your billing materials. Mailed payments take 7 to 10 business days to post, so send them well before your due date to avoid a late fee.
Tracking payment history and confirming payments
After you submit a payment, Synchrony shows a confirmation number on screen and sends a confirmation email. Keep that number for your records. Log back into your account within a day or two to confirm the payment posted — you should see it listed in your payment history with the date it was applied.
Your statement will also show all payments received during the billing cycle. If a payment does not appear within two business days, contact Synchrony customer service with your confirmation number. They can look up the payment and tell you its status.
Frequently Asked Questions
Can I pay my Synchrony card with a credit card or debit card?
Synchrony's online system accepts payments only from a checking or savings account at another bank. You cannot pay with a credit card or debit card through their website. If you want to use a credit card, you would need to use a third-party bill payment service, though that may carry fees.
What time does the payment cutoff happen?
The cutoff is usually 8 p.m. Eastern time. Payments submitted before that time post the next business day; payments after that time may post the day after. Weekends and holidays do not count as business days, so a payment submitted Friday evening may not post until Monday.
Can I cancel a payment after I submit it?
If you submitted a payment to post today, you usually cannot cancel it — it will process. If you scheduled it for a future date, you can cancel it through your account before that date arrives. Log in, find the pending payment, and look for a "Cancel" option. Once a payment posts, you cannot reverse it through the website; contact customer service instead.
Do I have to pay the full balance, or can I pay just part of it?
You can pay any amount between the minimum due and your full balance. Paying less than the full balance leaves a remaining balance, which will accrue interest at your card's APR. Paying at least the minimum by the due date keeps your account in good standing and avoids a late fee.
What if I do not have a bank account to link?
You will need a bank account to pay online. If you do not have one, you can pay by phone (the representative can take payment information over the phone) or by mailing a check. Some prepaid debit cards work with Synchrony's online system, but confirm with your card issuer first.