New York & Company's online bill payment system lets you pay from your computer or phone without calling customer service or mailing a check
New York & Company operates a credit card issued through Synchrony Bank. To pay your bill online, you log into your account through the New York & Company website or the Synchrony mobile app, then enter the amount and payment date you want. The payment posts to your account within one to three business days, depending on the payment method you choose.
You do not need to create a separate account — if you have a New York & Company credit card, you can access your bill and payment options immediately using your card number and date of birth, or by linking to an existing Synchrony account.
Key Takeaways
- Log in through either the New York & Company website or the Synchrony mobile app using your card number and personal information.
- You can pay your full balance, a minimum payment, or any amount in between, and schedule the payment for a future date if you want.
- Payments made before 8 p.m. Eastern time on a business day typically post within one business day; weekend and holiday payments take longer.
- If you miss a payment deadline, late fees and interest charges apply, and the missed payment will appear on your credit report after 30 days.
- You can also set up automatic payments so your bill is paid on the same date each month without logging in.
How to access your account and make a one-time payment
Go to the New York & Company website and look for the "Pay My Bill" or "Account" link, usually at the top of the page. Click it and enter your card number and date of birth, or sign in if you already have a Synchrony account. You will see your current balance, due date, and recent transactions.
To make a payment, select the payment amount (full balance, minimum, or custom amount), choose your payment method (bank account or debit card), and pick the date you want the payment to go through. Review the details and confirm. You will receive a confirmation number and an email receipt. The payment will show as pending in your account and will post within one to three business days depending on when you submitted it and which payment method you used.
If you prefer the mobile app, download the Synchrony app from your phone's app store, sign in with the same credentials, and follow the same steps. The process is identical on both platforms.
Payment methods and how long each takes to post
New York & Company accepts two payment methods: direct bank transfer (ACH) and debit card. Both are free to use.
A bank account payment typically posts within one business day if you submit it before 8 p.m. Eastern time on a weekday. If you submit it after 8 p.m. or on a weekend or holiday, it will post the next business day. A debit card payment usually posts within one business day as well, but some debit card processors take up to three business days, so check with your bank if you are unsure.
Do not use a credit card to pay your New York & Company bill — the system will not accept one. If you want to pay by mail, you can send a check to the address on your statement, but mail payments take seven to ten business days to arrive and post.
Setting up automatic payments so you do not miss a due date
Automatic payments remove the risk of forgetting to pay. Log into your account, find the "Automatic Payments" or "Recurring Payments" section, and select the amount you want to pay each month (minimum, full balance, or a fixed amount) and the date you want it to come out of your bank account.
Once automatic payments are set up, the payment will go through on that date every month without you having to log in. You can change or cancel automatic payments at any time by going back into your account settings. If you cancel, you will need to make manual payments again or set up a new automatic payment schedule.
Automatic payments are especially useful if you carry a balance and want to make the same payment every month, or if you want to ensure your minimum payment always goes through on time.
What happens if you miss a payment or pay late
If your payment does not arrive by the due date shown on your statement, your account will be considered late. New York & Company and Synchrony will charge a late fee — the amount depends on your card terms, but typically ranges from $25 to $40 for the first late payment. If you are late again within six months, the fee may be higher.
A late payment also triggers interest charges on your balance if you carry one. Your interest rate (APR) may increase if you have a promotional rate that requires on-time payments. After 30 days of non-payment, the late payment will be reported to the three major credit bureaus (Equifax, Experian, and TransUnion) and will appear on your credit report for seven years.
If you realize you will miss a due date, contact Synchrony customer service before the date passes. They may be able to waive a single late fee or work out a payment arrangement, though they are not required to do so. The sooner you call, the better your chances.
Troubleshooting common payment problems
If your payment is rejected, the most common reasons are an incorrect bank account number, insufficient funds in your account, or a mismatch between the name on your bank account and the name on your credit card. Check all three before trying again. If the problem persists, call Synchrony customer service at the number on the back of your card.
If you submitted a payment but do not see it in your account after three business days, log back in and check the payment status. Payments sometimes show as "pending" for a day or two before posting. If it still does not appear after three business days, contact customer service with your confirmation number.
If you are locked out of your account, use the "Forgot Password" link on the login page to reset it. If you cannot access that either, call customer service and they will verify your identity and help you regain access.
How online payments affect your credit and account standing
Paying your bill on time, whether online or by mail, is the single most important factor in your credit score. Payment history makes up 35 percent of your FICO score, so a pattern of on-time payments will raise your score over time, while late payments will lower it significantly.
Paying online does not affect your credit differently than paying by mail — what matters is the date the payment posts to your account, not how you sent it. If you pay online on the due date and it posts the next day, you are still on time. If you pay by mail and it arrives after the due date, you are late, even if you mailed it before the deadline.
Paying more than the minimum also helps your credit by lowering your credit utilization ratio (the amount you owe divided by your credit limit). A lower utilization ratio improves your score, so paying down your balance faster benefits you both immediately and long-term.
Frequently Asked Questions
Can I pay my New York & Company bill with a credit card?
No. The payment system only accepts bank account transfers and debit cards. If you try to enter a credit card number, it will be rejected. You can pay by mail with any payment method, but mail payments take seven to ten business days.
What time does my payment need to be submitted to post the same day?
Payments submitted before 8 p.m. Eastern time on a business day (Monday through Friday, excluding holidays) typically post within one business day. Payments submitted after 8 p.m. or on weekends and holidays will post the next business day.
Can I change or cancel an automatic payment after I set it up?
Yes. Log into your account, go to the automatic payments section, and modify or cancel the payment. Changes take effect on your next scheduled payment date. If you cancel, you will need to make manual payments going forward.
Will paying online hurt my credit score?
No. Paying online does not affect your credit score differently than paying by mail or phone. What matters is whether you pay on time. On-time payments help your score; late payments hurt it, regardless of the payment method.
What should I do if my payment was rejected?
Check that your bank account number is correct, you have sufficient funds, and the name on your bank account matches your credit card. If those are correct and the payment is still rejected, call Synchrony customer service at the number on your card for help troubleshooting the issue.