Paying your Macy's bill on Macy's.com
You can pay your Macy's credit card bill directly through Macy's.com by logging into your account and selecting the payment option. The site accepts payments from a bank account (checking or savings) or another Macy's card. Payments made before 8 p.m. Eastern Time on a business day typically post the same day; payments after that time or on weekends post the next business day.
You do not need to be a Macy's cardholder to pay a bill this way — if someone else holds the card, you can still make a payment on their behalf as long as you have access to the account or know the card number and other details the site requests.
Macy's.com does not charge a fee for paying your bill through their website. If you use a third-party payment service or pay by phone, fees may apply depending on the method you choose.
Key Takeaways
- Log into your Macy's account on Macy's.com, go to your credit card section, and select "Make a Payment" to pay your bill online.
- Payments from a bank account post the same business day if submitted before 8 p.m. Eastern Time; weekend and after-hours payments post the next business day.
- You can pay from a checking or savings account, or use another Macy's card, with no fee charged by Macy's.
- If you do not have online access, you can call the customer service number on the back of your Macy's card to pay by phone.
Steps to pay through Macy's.com
Start by going to Macy's.com and clicking "Sign In" at the top of the page. Enter your email address and password. If you do not have an online account, you will need to create one using your email and a password of your choice.
Once logged in, look for "Credit Card" or "Account" in the main menu or your account dashboard. Select the Macy's card you want to pay. You should see a "Make a Payment" button or link; click it to begin.
The site will ask you to choose a payment method. Select either "Bank Account" (to pay from checking or savings) or "Macy's Card" (to pay using another Macy's card). Enter the account or card details, the amount you want to pay, and confirm the payment date. Review the details and submit.
What information you will need
If paying from a bank account, have your routing number and account number ready. You can find these on the bottom left of a check, or log into your bank's website to locate them. Macy's will verify the account before the payment processes.
If paying with another Macy's card, you will need the card number, expiration date, and CVV (the three-digit security code on the back). You will also need to enter the cardholder's zip code.
In either case, you will need to know the amount you want to pay and your preferred payment date. You can pay the full balance, the minimum payment, or any amount in between.
Payment timing and when money reaches your account
Macy's processes payments submitted on business days before 8 p.m. Eastern Time the same day. Payments submitted after 8 p.m. Eastern Time, or on weekends and holidays, are processed the next business day. "Business day" means Monday through Friday, excluding federal holidays.
Once processed, the payment typically shows on your account within one to two business days, depending on your bank. Some banks display the payment immediately; others take longer. If you are close to a due date, submit your payment at least two business days early to be safe.
If you need to cancel or change a payment you just submitted, contact Macy's customer service right away. The sooner you call, the better your chances of stopping the payment before it processes.
Paying if you do not have online access
If you cannot or do not want to pay online, you have other options. Call the customer service number on the back of your Macy's card to pay by phone. A representative will walk you through the payment and can answer questions about your account.
You can also mail a check or money order to the address shown on your billing statement. Write your account number on the check and mail it to the payment address listed on your bill. Mail payments take longer to reach Macy's — typically five to seven business days — so send them well before your due date.
Some Macy's stores also accept in-person payments at the customer service desk. Call ahead to confirm your local store offers this service and what hours they accept payments.
Late payments and what happens if you miss the due date
If your payment does not reach Macy's by the due date shown on your statement, the account is considered late. Macy's will charge a late fee (the amount varies but is typically $25 to $40 for the first late payment). A late payment also appears on your credit report and can lower your credit score.
If you are going to miss a due date, contact Macy's customer service before the date arrives. Explain your situation; some representatives can work with you on a payment plan or may waive a late fee if this is your first miss. Calling ahead is always better than paying after the fact.
If your account falls 30 days or more behind, Macy's may freeze your card, preventing new purchases. The longer the account stays unpaid, the more serious the consequences become, including potential collection action and further credit damage.
Frequently Asked Questions
Can I set up automatic payments on Macy's.com?
Yes. When you make a payment, look for an option to "Set Up Automatic Payments" or "Recurring Payment." You can choose to pay a fixed amount or your full balance on the same date each month. You can change or cancel automatic payments anytime through your account settings.
What if my payment was rejected?
Macy's.com will show an error message explaining why — usually an incorrect routing number, insufficient funds, or a mismatch between the name on the account and the name on your Macy's card. Fix the information and try again. If the problem persists, call customer service for help.
Can I pay someone else's Macy's bill if I know their card number?
Yes, you can make a one-time payment using their card number and other details without logging into their account. However, you cannot set up automatic payments or access their account details without their login information. If you regularly pay their bill, ask them to add you as an authorized user.
Is there a limit to how much I can pay at once?
Macy's does not publish a single-payment limit on their website. Very large payments may trigger a fraud review, which can delay processing. If you need to pay a large amount, call customer service first to let them know it is coming.
What if I overpay my bill?
If you pay more than you owe, the extra amount becomes a credit on your account. You can use it toward future purchases, or contact Macy's to request a refund. Refunds typically take five to seven business days to appear in your bank account.