Call Macy's customer service to pay by phone using your bank account or another Macy's card
Macy's lets you pay your credit card bill over the phone by calling their customer service line. You'll need your card number, a bank account for the payment source, or another valid payment method. The payment processes the same day if you call before the cutoff time, which is typically in the evening — ask the representative for the exact time when you call.
This method works if you don't have online access, prefer speaking to someone, or need to make a payment urgently. The call takes about five to ten minutes. You won't be charged a fee for paying by phone, though your bank may charge a fee if you're paying from a checking account (some banks charge for phone-initiated transfers).
Key Takeaways
- Call Macy's customer service at the number on the back of your card to pay by phone; have your card number and bank account information ready.
- Same-day processing happens if you call before the evening cutoff time, which varies by day and season.
- You can pay from a checking or savings account, or use another Macy's card as the payment source.
- Macy's does not charge a fee for phone payments, but your bank may charge a fee for phone-initiated transfers.
What information you need before calling
Gather these details before you dial so the call moves quickly. You'll need your Macy's credit card number (the 16-digit number on the front of the card). Have your bank account information ready if you're paying from checking or savings — the representative will ask for your routing number and account number, both printed at the bottom of a check.
If you're paying from another Macy's card instead of a bank account, have that card number available. You should also know the amount you want to pay — whether that's the full balance, the minimum payment, or a specific amount. The representative can tell you what you owe if you're not sure.
The phone number and best times to call
The phone number for Macy's credit card payments is on the back of your card. This is the most reliable number because it's specific to your account. Customer service hours are typically Monday through Friday, 8 a.m. to 10 p.m. Eastern time, and Saturday and Sunday, 9 a.m. to 8 p.m. Eastern time, though hours may shift during holidays.
Call earlier in the day if you can — lines are usually shorter in the morning and early afternoon. If you're calling near the end of the business day, ask the representative what time the cutoff is for same-day processing. If you miss it, your payment will post the next business day.
How the payment is processed and when it reaches your account
After you give the representative your payment information, they'll confirm the amount, the payment date, and the account it's coming from. They'll also give you a confirmation number — write this down or ask them to email it to you. The payment is authorized when ready, but it takes one to two business days to actually move from your bank to Macy's.
If you call before the cutoff time, the payment posts to your Macy's account the same day. This means your balance updates and your payment is recorded, even though the money is still in transit from your bank. If you call after the cutoff, it posts the next business day. Weekends and holidays don't count as business days, so a payment made on Friday evening may not post until Monday.
What to do if you need to change or cancel a payment
If you realize you made a mistake right after hanging up, call back when ready. Macy's customer service can usually cancel a payment within a short window — often the same day or the next morning, depending on when you called. The sooner you call, the better your chances of stopping it before it leaves your bank.
Once the payment has actually moved from your bank account (which takes one to two business days), it cannot be cancelled through Macy's. At that point, you would need to contact your bank to dispute the transaction or ask for a reversal. This is why writing down the confirmation number matters — you'll need it if you have to follow up with your bank later.
Alternatives if you can't pay by phone
If you prefer not to call or can't reach customer service, you can pay online through your Macy's account on their website or through the Macy's mobile app. Online payments work the same way — you link a bank account or use another card — and they process just as quickly. You can also set up automatic payments so your bill is paid on a date you choose each month, which removes the need to remember to pay at all.
If you're in a Macy's store, you can ask a customer service desk associate to help you make a payment, though this is less common than phone or online. Mail is another option — your statement shows a mailing address where you can send a check, though mail takes longer to process and you lose the benefit of same-day posting.
Frequently Asked Questions
Can I pay my Macy's card with a credit card over the phone?
Macy's does not accept credit card payments over the phone for security reasons. You can pay from a checking or savings account, or use another Macy's card. If you want to pay with a different credit card, you would need to do that through their website or app instead.
What if my bank account information is wrong?
Tell the representative when ready if you realize you gave the wrong routing number or account number. They can cancel that payment and start over with the correct information. If you don't catch it until after you hang up, call back right away — the sooner you correct it, the less likely the payment will fail or go to the wrong account.
Do I have to pay the full balance, or can I pay just part of it?
You can pay any amount you want, as long as it's at least the minimum payment shown on your statement. Many people pay the full balance to avoid interest charges, but you're not required to. The representative will let you choose the exact amount during the call.
How long does it take for the payment to show up on my account?
If you call before the cutoff time, it posts the same day. If you call after the cutoff, it posts the next business day. The money itself takes one to two business days to move from your bank, but your Macy's balance updates right away once it posts.
What's the difference between posting and clearing?
Posting means your Macy's account balance is updated and your payment is recorded — this happens the same day or next business day. Clearing means the money has actually left your bank account and arrived at Macy's — this takes one to two business days. Your balance updates at posting, so you don't have to wait for clearing to see the change.