How to pay Synchrony online, by phone, or by mail

Synchrony is a credit card issuer that handles store cards (like Amazon, Target, and Lowe's cards) and their own Synchrony branded card. To pay your Synchrony bill, you can log into your online account, call their payment line, mail a check, or set up automatic payments. The method you choose depends on how quickly you need the payment processed and whether you want to automate future payments.

Synchrony processes payments differently depending on how you send them. Online and phone payments typically post within one business day. Mailed checks take 7 to 10 business days from the time Synchrony receives them, so mail early if your due date is approaching. If you miss your due date, Synchrony will charge a late fee and report the missed payment to credit bureaus, which can lower your credit score.

Key Takeaways

  • Online payments through your Synchrony account or their website are the fastest method and usually post within one business day.
  • Phone payments can be made by calling Synchrony's customer service line, and the payment posts the same way as online payments.
  • Mailed payments take 7 to 10 business days to post, so you must mail them well before your due date to avoid late fees.
  • Automatic payments remove the risk of forgetting a due date, but you should still check your account monthly to confirm the payment went through.
  • Synchrony charges late fees if your payment arrives after the due date, and missed payments are reported to credit bureaus.

Paying online through your Synchrony account

Log into your account at Synchrony.com or through the Synchrony mobile app. Once you are signed in, look for a "Make a Payment" or "Pay Now" button, usually on your account dashboard or in the main menu. Enter the amount you want to pay and confirm your payment method — you can use a bank account (ACH transfer) or debit card.

Online payments typically post within one business day. Synchrony does not charge a fee for online payments made from a bank account, but some payment methods may carry fees depending on your bank. If you are paying from a debit card, Synchrony may charge a fee (usually around $0.99 to $1.99), so check before you confirm. You will receive a confirmation number immediately after the payment is submitted.

Paying by phone

Call Synchrony's customer service number on the back of your credit card or visit Synchrony.com to find the payment phone line. A representative will ask for your account number, the amount you want to pay, and your payment method. You can pay from a bank account or debit card over the phone.

Phone payments post on the same timeline as online payments — usually within one business day. Like online payments, there is no fee for ACH transfers from your bank account, but debit card payments may carry a small fee. Keep your confirmation number for your records.

Paying by mail

Write a check to Synchrony and include your account number on the check itself. Mail it to the address shown on your billing statement under "Payment Address" — this address is different from your mailing address and is designed for payment processing only. Do not mail your payment to the general customer service address.

Mailed payments take 7 to 10 business days from the time Synchrony receives them to post to your account. Because of this delay, you should mail your payment at least two weeks before your due date to be safe. If you are close to your due date, use online or phone payment instead. Synchrony will not reverse a late fee if your check arrives after the due date, even if you mailed it on time.

Setting up automatic payments

Automatic payments remove the risk of forgetting a due date. Log into your Synchrony account online or through the app, find the "Automatic Payments" or "Recurring Payments" section, and choose how much you want to pay each month. You can set it to pay your full balance, a fixed amount, or your minimum payment. Select the bank account or debit card you want to use and the date each month when the payment should process.

Once automatic payments are set up, Synchrony will withdraw the amount on your chosen date each month. You should still log into your account monthly to confirm the payment went through, especially if your balance changes significantly. If you need to stop or change an automatic payment, you can do so through your account settings at any time. Automatic payments do not override your responsibility to pay — if the automatic payment fails because your bank account has insufficient funds, you will still be charged a late fee.

What happens if you miss a payment

If your payment does not arrive by the due date, Synchrony will charge a late fee. The amount depends on your card terms, but late fees typically range from $25 to $40 for the first late payment. If you are late again within six months, the fee may be higher. Synchrony will also report the missed payment to credit bureaus, which can lower your credit score by 100 points or more.

If you miss a payment, contact Synchrony as soon as possible. Some cardholders have had late fees waived if they call before the next billing cycle and have a good payment history. The sooner you pay, the less damage to your credit. Synchrony may also raise your interest rate if you are significantly late, so catching up quickly matters.

Payment timing and your billing cycle

Your due date appears on your billing statement each month. Synchrony considers a payment on time if it is received by 5 p.m. Eastern Time on the due date. If your due date falls on a weekend or holiday, Synchrony typically moves it to the next business day. Online and phone payments post within one business day, so paying a day or two before your due date is safe. Mailed payments need much more lead time because of postal delays.

If you want to change your due date, you can usually do so through your account settings or by calling customer service. Synchrony may allow you to move your due date by a few days to align with your paycheck or other bills. This can help you manage cash flow and reduce the risk of missed payments.

Frequently Asked Questions

Can I pay my Synchrony bill with a credit card?

No. Synchrony does not accept credit card payments, including payments from other credit cards. You can only pay with a bank account (ACH transfer), debit card, or check. Paying with a debit card may carry a small fee, so ACH transfer from your bank account is usually the cheapest option.

What if I pay more than I owe?

If you overpay, Synchrony will hold the extra amount as a credit on your account. You can use it toward future purchases, or you can request a refund by calling customer service. Refunds typically take 7 to 10 business days to appear in your bank account.

Does Synchrony charge a fee for online payments?

No fee for ACH transfers from your bank account. Debit card payments may carry a fee of around $0.99 to $1.99, depending on the card type. Check the fee disclosure before you confirm your payment method.

How do I know if my payment went through?

You will receive a confirmation number immediately after submitting an online or phone payment. Log into your account within one business day to confirm the payment posted. Your available credit should increase once the payment is processed.

What if I cannot pay my full balance?

You can pay any amount as long as it is at least your minimum payment by the due date. Paying only the minimum means you will pay interest on the remaining balance, but you will avoid a late fee and credit damage. If you are struggling to pay, contact Synchrony to discuss hardship options.