The fastest way to pay Target online is through your Target Circle credit card account or Target's website bill pay feature

If you have a Target Circle credit card, you can log into your account at target.com, go to your account settings, and pay your bill directly from there. The payment posts within one to three business days. If you don't have a Target card but need to pay a bill to Target (for a layaway, special order, or store credit), you can contact Target's customer service at 1-800-440-0680 to arrange payment over the phone or ask about mailing a check.

Target does not offer a standalone bill pay service through their website the way some retailers do. What you're actually paying is a credit card bill if you carry a Target Circle card balance, or a store account balance if you've put items on layaway or store credit. The process differs slightly depending on which one you have.

Key Takeaways

  • Target Circle credit card holders can pay their bill by logging into target.com, selecting their account, and making a payment that posts within one to three business days.
  • You can also pay a Target credit card bill by calling 1-800-440-0680 or mailing a check to the address on your statement.
  • If you have a store credit balance or layaway, contact Target customer service directly to arrange payment.
  • Target does not process bill payments for other companies or bills — only for balances owed directly to Target.

Paying your Target Circle credit card bill online

Go to target.com and sign in with your username and password. Once you're logged in, look for "Account" or "My Account" in the top right corner of the page. Click it, then select "Manage Your Card" or "Credit Card Account." You should see your current balance, due date, and a button to make a payment.

Click the payment button and enter the amount you want to pay. You can pay the full balance, the minimum payment, or any amount in between. Target will ask you to confirm the payment method (usually the bank account or debit card you have on file) and the date you want the payment to go through. Same-day processing is not available, but the payment will reach Target's system within one business day and post to your account within one to three business days total.

Keep your confirmation number. Target will email you a receipt, but if there's ever a question about whether your payment went through, the confirmation number is what you'll need to reference.

Paying by phone or mail if you can't pay online

Call Target's customer service line at 1-800-440-0680. A representative can take your payment over the phone using a debit card, credit card, or bank account. This is useful if you don't have online access, prefer not to enter payment information on a website, or need to discuss your account balance before paying.

If you prefer to mail a check, the address appears on your Target credit card statement. Write your account number on the check and mail it to the address listed. Mailed payments take longer — typically seven to ten business days to reach Target and post to your account — so plan ahead if your due date is coming up soon.

What to do if you have a store credit or layaway balance

Store credit and layaway are different from a credit card bill. If you've put items on layaway or have a store credit balance, you won't see it in the Target Circle credit card account online. Instead, contact Target customer service at 1-800-440-0680 and tell them you have a layaway or store credit balance you want to pay.

A representative will confirm your balance and walk you through payment options. You can usually pay over the phone with a debit card or credit card, or ask about mailing a check. Some Target locations also allow you to pay layaway or store credit in person at the customer service desk, which can be faster if you're already at the store.

Avoiding late fees and protecting your credit

Your Target Circle credit card statement shows a due date — this is the date by which your payment must post to your account to avoid a late fee. Because online payments take one to three business days to post, don't wait until the due date to pay online. If your due date is a Friday, for example, pay by Wednesday at the latest to make sure the payment reaches Target's system in time.

Late payments can result in a late fee (the amount varies) and may be reported to credit bureaus, which can lower your credit score. If you're running behind, call 1-800-440-0680 and ask about your options — sometimes a representative can note that you're working on payment or discuss a payment plan if you're facing hardship.

Setting up automatic payments

Target's website does not currently offer automatic recurring payments for your credit card bill. You'll need to log in and make a payment each month, or call to arrange payment over the phone. If you want to make sure you never miss a due date, set a phone reminder for a few days before the due date so you have time to pay online.

Some banks and credit unions offer bill pay services through their own websites or apps that let you schedule payments to Target. If your bank offers this, you can set up an automatic payment from your bank account to Target's mailing address. Check with your bank to see whether they support this option and what information you'll need to provide.

Frequently Asked Questions

Can I pay my Target bill through my bank's bill pay service?

Yes, many banks allow you to schedule payments to Target through their bill pay system. You'll need the mailing address from your Target credit card statement. Contact your bank to confirm they offer bill pay to Target and to set it up. Mailed payments typically take seven to ten business days to arrive.

What if I pay online but the payment doesn't show up?

Check your confirmation number and the date you scheduled the payment for. Payments take one to three business days to post. If it's been longer than three business days and the payment still hasn't appeared, call 1-800-440-0680 with your confirmation number and they can look it up in their system.

Can I pay someone else's Target bill for them?

You can pay over the phone by calling 1-800-440-0680 and providing the account holder's information, but you'll need their account number or the phone number associated with the account. Online, only the person whose name is on the account can log in and make a payment.

Is there a fee to pay my Target bill online?

No, Target does not charge a fee to pay your credit card bill online, by phone, or by mail. If you use a third-party service or your bank's bill pay, check with them about any fees they might charge.