What Big Lots Bill Pay Is
Big Lots Bill Pay is a bill payment service available to customers who have a Big Lots credit card or a Big Lots Mastercard. It lets you pay bills directly from your Big Lots card account through the Big Lots website or mobile app, rather than writing checks or setting up separate accounts with each biller.
The service is managed through Big Lots' online account portal. You link your billers to your account, set up payment amounts and dates, and the system handles sending the payment on your behalf. Big Lots does not charge a fee to use the service, though your card issuer may have other terms that explore to your account.
This is different from paying your Big Lots credit card bill itself — that is a separate transaction. Bill Pay is for paying other people's bills (utilities, rent, insurance, loan payments) using your Big Lots card as the funding source.
Key Takeaways
- Big Lots Bill Pay is available only to customers with a Big Lots credit card or Big Lots Mastercard, accessed through your online account.
- You can schedule one-time or recurring payments to billers, and Big Lots sends the payment on the date you choose.
- The service is free, but payments may take three to five business days to reach the biller depending on the payment method.
- You remain responsible for making sure payments arrive on time — late fees are your responsibility if a payment does not clear by the due date.
- Big Lots Bill Pay does not work with all billers; you may need to contact a biller directly if they are not in the system.
How to Set Up a Biller in Big Lots Bill Pay
Log into your Big Lots account on the website or open the Big Lots mobile app. Look for the Bill Pay section, usually found under Account or Payments. Select "Add a Biller" or a similar option.
Enter the biller's name and account number. Big Lots will search its database to see if that biller is already set up in the system. If the biller is found, you confirm the details. If not, you may be able to add them manually by providing their mailing address or payment instructions.
Once the biller is added, you can schedule a payment. Choose the payment amount, the date you want it sent, and whether it is a one-time payment or a recurring payment (weekly, monthly, etc.). Review the details and confirm. Big Lots will process the payment on the date you selected.
Payment Timing and How Long Payments Take
Big Lots typically processes bill payments within one business day of the date you schedule them. However, the payment may take an additional three to five business days to reach the biller, depending on the payment method Big Lots uses (electronic transfer, check, or ACH).
This means if you schedule a payment for a Monday due date, you should schedule it for the Friday before to give it time to clear. If you wait until the day before the due date, the payment may not arrive in time, and you could face a late fee from the biller.
Big Lots does not control how fast the biller processes the payment once it arrives. Some billers post payments the same day; others take one to two additional business days. If you are unsure how long a specific biller takes, contact them directly before relying on Big Lots Bill Pay for a time-sensitive payment.
Which Billers Work With Big Lots Bill Pay
Big Lots Bill Pay includes a database of common billers — utilities, credit card companies, loan servicers, insurance companies, and government agencies. When you search for a biller by name, the system shows you whether they are in the network.
Not every biller is included. If your biller is not in the system, you have two options: you can add them manually by providing their mailing address and account information, or you can contact the biller to ask if they accept payments from Big Lots Bill Pay. Some smaller or regional billers may not be set up to receive payments this way.
If you add a biller manually, Big Lots will likely send a check on your behalf rather than an electronic payment. This takes longer and gives you less control over exactly when the biller receives it.
Recurring Payments and How to Change or Cancel Them
You can set up a payment to repeat automatically — daily, weekly, every two weeks, monthly, or on a custom schedule. This is useful for bills that are the same amount every month, like a loan payment or insurance premium.
To change a recurring payment, log into your Big Lots account, find the payment in your Bill Pay history or scheduled payments list, and select "Edit" or "Modify." You can change the amount, the date, or the frequency. To stop a recurring payment, select "Cancel" or "Delete." The cancellation takes effect when ready for future payments, but payments already scheduled may still process.
If you cancel a recurring payment and then want to resume it, you will need to set it up again from scratch. Big Lots does not have a "pause and resume" option for most accounts.
What Happens If a Payment Is Late or Does Not Go Through
Big Lots is responsible for sending the payment on the date you schedule it. If Big Lots fails to send a payment or sends it incorrectly, you may be able to dispute the error through your account or by contacting Big Lots customer service. However, Big Lots is not responsible for late fees charged by the biller if the payment arrives late due to processing delays in the mail or banking system.
You are responsible for making sure the payment arrives by the biller's due date. If you schedule a payment too close to the due date and it does not clear in time, the late fee is your responsibility, not Big Lots'.
If a payment fails — for example, because your Big Lots card was declined or the biller's account number was wrong — Big Lots will usually notify you. Check your account regularly to confirm that scheduled payments have actually been sent. Do not assume a payment went through just because you scheduled it.
Security and Privacy With Big Lots Bill Pay
Big Lots Bill Pay uses encryption to protect your account information and payment details. Your login credentials and payment history are stored securely on Big Lots' servers. However, you are responsible for keeping your Big Lots account password confidential and for monitoring your account for unauthorized payments.
When you add a biller manually, you are providing Big Lots with that biller's account information. Big Lots stores this information so you do not have to re-enter it each time. If you are concerned about a biller having access to your Big Lots account details, you can contact Big Lots customer service to ask what information is shared with billers and how it is protected.
Review your Big Lots account and your biller statements regularly to catch any unauthorized or incorrect payments. If you see a payment you did not authorize, contact Big Lots when ready.
Frequently Asked Questions
Can I use Big Lots Bill Pay to pay my Big Lots credit card bill?
No. Big Lots Bill Pay is for paying other people's bills. To pay your Big Lots credit card bill, log into your account and look for the "Make a Payment" option, which is separate from Bill Pay. You can also pay by phone or mail.
What if my biller is not in the Big Lots Bill Pay system?
You can add the biller manually by providing their name, mailing address, and your account number with them. Big Lots will send a check on your behalf. This method is slower and less reliable than electronic payments, so contact the biller first to confirm they accept mailed payments.
Is there a limit to how many billers I can add or how much I can pay?
Big Lots does not publicly state a limit on the number of billers you can add. However, the total amount you can pay is limited by your Big Lots credit card's available credit. If you do not have enough available credit, the payment will be declined.
Can I schedule a payment for a future date more than 30 days away?
Most bill pay systems, including Big Lots, allow you to schedule payments up to 365 days in advance. However, you should confirm this in your account or contact Big Lots customer service, as limits may vary by account type.
What should I do if a payment does not arrive on time?
Contact Big Lots customer service when ready and provide the payment details — the biller, the amount, and the date you scheduled it. Ask Big Lots to investigate whether the payment was sent. If Big Lots confirms the payment was sent but the biller did not receive it, ask Big Lots to resend it or contact the biller directly to confirm they have no record of it.