Paying your Synchrony bill online through their website or mobile app
You can pay your Synchrony credit card bill online by logging into your account at synchronybank.com, selecting the payment option, and entering the amount and payment date you want. The process takes about five minutes and the payment posts within one business day if you pay before 8 p.m. Eastern time on a business day. You can also use the Synchrony mobile app to make a payment the same way.
Synchrony accepts payments from a checking or savings account (using your routing and account number), or from a debit card. You do not need to set up anything in advance — you can make a one-time payment without registering a bank account or card first. If you want to set up automatic payments, you can do that through the same login, and Synchrony will deduct the amount on the date you choose each month.
The website shows you your current balance, minimum payment due, and the due date before you confirm the payment. If you are paying late or paying less than the full balance, the site will show you how much interest you will owe on the remaining balance.
Key Takeaways
- Log into synchronybank.com or use the Synchrony mobile app to pay your bill with a bank account or debit card in about five minutes.
- One-time payments post within one business day if submitted before 8 p.m. Eastern time on a weekday.
- You can set up automatic monthly payments from a bank account so you do not have to log in each month.
- Synchrony shows you your balance, minimum payment, and due date before you confirm, so you know exactly what you are paying.
Setting up automatic payments to avoid late fees
Automatic payments deduct money from your bank account on a date you choose each month. To set this up, log into your Synchrony account, go to the payment settings or autopay section, and select the amount (minimum payment, a fixed dollar amount, or your full statement balance) and the day of the month you want it to come out.
If you choose to autopay your full statement balance, the payment will process a few days before your due date so it arrives on time. If you set it for a fixed amount or the minimum payment, make sure the date you pick is at least three business days before your due date, because bank transfers take time to clear. Synchrony will send you a confirmation email each time a payment is scheduled.
You can change or cancel an automatic payment anytime through your account settings. If you cancel, you will need to make one-time payments again or set up a new autopay schedule.
What happens if your payment is late or does not go through
If your payment does not arrive by the due date shown on your statement, Synchrony will charge a late fee. The amount varies by card and state, but typically ranges from $25 to $40 for the first late payment. After that, the fee can increase. A late payment also damages your credit score and may trigger a higher interest rate on your card.
Payments can fail to go through if your bank account does not have enough money, if you entered the wrong routing or account number, or if your bank blocks the transfer. If a payment fails, Synchrony will send you a notice. You should make another payment right away to avoid the late fee. If you are having trouble with a payment, you can call Synchrony customer service at the number on the back of your card to discuss options.
If you miss a payment by 30 days or more, Synchrony will report it to the credit bureaus. This stays on your credit report for seven years and makes it harder to borrow money in the future.
Paying from a bank account versus a debit card
When you pay online, you choose whether to pull the money from a checking or savings account (using your bank's routing number and your account number) or from a debit card. Both methods are free and take the same amount of time to post.
Paying from a bank account is slightly safer because you are not entering your debit card number into a website. Paying from a debit card is faster if you do not have your bank account number handy. Neither method earns you rewards or cash back — Synchrony only rewards you for purchases you make with the card, not for payments.
Do not use a credit card to pay your Synchrony bill. Most credit card companies treat credit card payments as cash advances, which means you will pay a fee (usually 3 to 5 percent) and a higher interest rate right away.
Making a payment if you do not have online access
If you cannot or do not want to pay online, you can 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 on your bill. Mail payments take 7 to 10 business days to arrive and post, so send it at least two weeks before your due date to make sure it arrives on time.
You can also call Synchrony customer service at the number on the back of your card to make a payment over the phone. A representative will ask for your bank account or debit card information and process the payment while you are on the call. Phone payments post the same day if you call before 8 p.m. Eastern time on a business day.
Some Synchrony cards are store cards (like Amazon, Target, or Best Buy cards). If you have a store card, you may also be able to pay through that store's website or app, though the payment still goes to Synchrony. Check your statement or the store's website to see if this option is available for your card.
Understanding payment posting times and due dates
When you make an online payment before 8 p.m. Eastern time on a business day (Monday through Friday), Synchrony posts it the next business day. If you pay after 8 p.m. or on a weekend or holiday, it posts the next business day after that. This means a Friday evening payment will not post until Tuesday.
Your due date is the last day Synchrony will accept a payment without charging a late fee. The due date is always at least 21 days after your statement closes. If your due date falls on a weekend or holiday, Synchrony extends it to the next business day. You can see your exact due date on your statement or by logging into your account.
If you are cutting it close to your due date, use the online payment method or call customer service rather than mailing a check. Online and phone payments post faster and give you a better chance of arriving before the deadline.
Troubleshooting common payment problems
If you see an error message when you try to pay online, the most common causes are a wrong routing number, an account number that does not match your bank's records, or a typo in your debit card number. Double-check the information you entered and try again. If the error persists, call your bank to confirm your routing and account numbers are correct.
If you paid online but do not see the payment in your account after two business days, log back into Synchrony and check the payment status. Synchrony shows pending and posted payments separately. If the payment shows as pending, it will post within one business day. If it does not show at all, call Synchrony customer service to confirm the payment was received.
If your automatic payment did not go through, Synchrony will send you a notice. This usually happens because your bank account does not have enough money or your bank rejected the transfer. You will need to make a one-time payment to cover the missed amount and avoid a late fee. After that, you can set up autopay again or switch to a different payment method.
Frequently Asked Questions
Can I pay my Synchrony bill with a credit card?
Most credit card companies treat credit card payments as cash advances, which means you will pay a fee (usually 3 to 5 percent) and a higher interest rate immediately. It is cheaper to pay from a bank account or debit card. Some payment services like PayPal or Venmo may also treat it as a cash advance, so check before you use them.
What if I pay more than I owe?
Synchrony will hold the extra money as a credit on your account. You can use it toward your next bill, or you can request a refund by calling customer service. Synchrony does not pay interest on account credits, so if you overpay by a large amount, it may be worth requesting the refund.
Does Synchrony charge a fee to pay online?
No. Synchrony does not charge a fee for online payments, phone payments, or automatic payments. The only time you pay a fee is if your payment is late or if you use a third-party payment service that charges its own fee.
How do I know if my payment went through?
Synchrony sends a confirmation email right after you submit a payment online. You can also log into your account and check the payment status. Payments show as pending for one business day, then post to your account. If you do not see a confirmation email, check your spam folder or log into your account to verify the payment was received.
Can I change my payment due date?
No, you cannot change your statement due date. However, you can set up automatic payments to come out on any day of the month you choose, as long as it is before your due date. This gives you control over when the money leaves your account, even if you cannot change when the bill is due.