Synchrony Bank credit cards let you pay online, by phone, by mail, or in person at a MoneyGram location

Synchrony Bank issues store credit cards and private label cards for retailers like Amazon, Lowe's, and Best Buy. To pay your bill, you can use their website, call their customer service line, mail a check, or visit a MoneyGram agent. The method you choose depends on how quickly you need the payment posted and whether you prefer online or offline options.

Your payment due date appears on your monthly statement and on your online account. Payments made online or by phone typically post within one business day. Mail and in-person payments take longer and should be sent or made well before your due date to avoid late fees.

Key Takeaways

  • Online payments through Synchrony's website or mobile app are the fastest method and post within one business day.
  • Phone payments can be made by calling the customer service number on the back of your card, and you will need your account number and routing information ready.
  • Mailed checks should be sent to the address on your statement at least 10 days before your due date to ensure timely posting.
  • MoneyGram locations accept in-person payments for a fee, which varies by location and payment amount.
  • Setting up automatic payments from your bank account prevents missed due dates and late fees.

Paying online or through the Synchrony mobile app

The fastest way to pay is through Synchrony's website or mobile app. Log in with your username and password, navigate to the payment section, and enter the amount you want to pay. You can pay from a checking or savings account linked to your Synchrony profile, or use a debit card.

Online payments post within one business day. If you are paying close to your due date, make the payment at least one day before to avoid a late fee. You can also set up automatic payments to deduct a fixed amount or your full statement balance on a date you choose each month.

Paying by phone

Call the customer service number on the back of your credit card to pay by phone. A representative will ask for your account number, the payment amount, and the bank account or debit card you want to pay from. Phone payments also post within one business day.

This method works if you do not have internet access or prefer speaking to someone. Keep in mind that phone lines may have wait times, especially near the end of the month or around holidays.

Mailing a check or money order

Write a check or money order payable to Synchrony Bank and include your account number on the back. Mail it to the address listed on your statement under "Payment Address" — do not mail to the general customer service address, as it will be delayed.

Mail payments typically take 7 to 10 business days to post, so send your payment at least 10 days before your due date. If you are mailing close to the deadline, consider using online or phone payment instead. Keep a copy of your check or a photo of the money order for your records.

Paying in person at MoneyGram

MoneyGram locations accept Synchrony credit card payments for a fee. Visit a MoneyGram agent (usually found at grocery stores, pharmacies, and check-cashing businesses), provide your Synchrony account number, and pay the amount due. The agent will give you a receipt.

In-person payments post within one to two business days. MoneyGram charges a transaction fee that varies by location and payment size — typically between $3 and $10. This option is useful if you do not have a bank account or prefer to pay in cash, but the fee makes it more expensive than other methods.

Setting up automatic payments to avoid late fees

Automatic payments remove the risk of forgetting your due date. Log into your Synchrony account, go to the payment settings, and choose whether to pay a fixed amount or your full statement balance each month. Select the date the payment should be deducted from your bank account.

Most cardholders set automatic payments for the full statement balance on the due date or a few days before. This ensures you never carry a balance unless you choose to, and you avoid late fees. You can change or cancel automatic payments anytime through your account.

What happens if you miss a payment

A payment is considered late if it is not received by 5 p.m. Eastern Time on your due date. Late fees typically range from $25 to $40 depending on your card and account history. A late payment also appears on your credit report and may increase your interest rate.

If you miss a payment, pay as soon as possible to minimize additional fees and interest charges. Contact Synchrony customer service if you are having trouble making a payment — some cardholders can negotiate a one-time fee waiver or payment arrangement, though this is not may provide.

Frequently Asked Questions

Can I pay my Synchrony card with another credit card?

No, Synchrony does not accept credit card payments. You can only pay with a bank account, debit card, check, money order, or cash at MoneyGram. Paying with another credit card would also count as a cash advance on that card and trigger fees and interest.

What if my payment is rejected?

A payment may be rejected if the bank account or debit card information is incorrect, the account has insufficient funds, or the card has expired. Synchrony will notify you by email or phone. Contact customer service to confirm the issue and resubmit your payment using a different payment method.

How do I know if my payment posted?

Log into your Synchrony account and check your transaction history or statement. Online and phone payments post within one business day. Mail and MoneyGram payments take longer. You can also call customer service to confirm the payment was received.

Can I get a refund if I overpay?

Yes. If you pay more than your balance, Synchrony will hold the overpayment as a credit on your account. You can use it toward future purchases, or contact customer service to request a refund check mailed to your address.

Is there a fee for paying online or by phone?

No, Synchrony does not charge a fee for online or phone payments. MoneyGram charges a fee for in-person payments, but mailing a check and automatic payments are also free.