Where to send your Macy's payment

You can pay your Macy's credit card bill in three ways: online through your account, by phone, or by mail. The fastest and most direct route is online, where the payment posts when ready to your account. Phone payments take the same day if you call before the payment important date. Mail payments take 7 to 10 business days to reach Macy's, so send them well before your due date to avoid late fees.

Your payment goes to the Macy's credit card servicer, not to individual Macy's stores. When you pay online or by phone, you are sending money directly to the company that manages your account and processes your transactions. This is different from paying at a register — a store payment would only work if you were making a purchase, not paying down your balance.

Key Takeaways

  • Online payments through your Macy's account post the same day and are the fastest way to pay your bill.
  • Phone payments also post the same day if you call before your payment important date, but you will need your account number and routing information ready.
  • Mail payments take 7 to 10 business days, so send them at least two weeks before your due date to avoid late fees.
  • Your payment reduces your balance when ready, but your available credit may take one business day to update.
  • Macy's credit card payments go to the card servicer, not to Macy's stores, so you cannot pay in person at a register.

Paying online through your Macy's account

Log into your Macy's credit card account at macys.com or through the Macy's mobile app. Once you are signed in, look for a "Pay Now" or "Make a Payment" button, usually on your account dashboard or billing page. Enter the amount you want to pay — you can pay your full balance, your minimum payment, or any amount in between. The system will ask you to confirm the payment method (the bank account or debit card you want to draw from) and the payment date.

Online payments are processed the same day if you submit them before the payment important date, which is usually 8 p.m. Eastern Time. Your balance updates when ready, though your available credit may take up to one business day to reflect the payment. If you are paying close to your due date, online is the safest choice because you can see the confirmation number right away.

Paying by phone

Call the customer service number on the back of your Macy's credit card. Have your account number, the amount you want to pay, and your bank account or debit card information ready. A representative will walk you through the payment and give you a confirmation number before the call ends. Phone payments post the same day if you call before the payment important date.

Phone payments are useful if you have questions about your balance or need to discuss a charge before paying, since you can talk to someone directly. However, they take longer than online payments because you have to wait for a representative. If you are calling during busy hours, you may wait 10 to 20 minutes.

Paying by mail

Write a check or money order payable to Macy's and include your account number on the check. Mail it to the address printed on your billing statement — this address changes depending on which processing center handles your account, so always use the address on your most recent bill. Do not send cash through the mail.

Mail payments take 7 to 10 business days to arrive and post to your account. If your due date is fewer than 10 days away, do not use mail. Macy's will not reverse a late fee if your payment was mailed on time but arrived after the due date, so mail is only safe if you send it at least two weeks early. Keep a copy of the check or a photo of the money order for your records.

What happens after you pay

Your balance decreases when ready for online and phone payments, and within 1 to 2 business days for mail payments. Your available credit — the amount you can still charge — updates more slowly. Even though your balance went down, your available credit may not increase for up to one business day because the card servicer needs time to process the payment through their system.

If you paid less than your full balance, you will owe interest on the remaining balance starting the next billing cycle. The interest rate is listed on your billing statement as your APR (annual percentage rate). If you paid your full balance by the due date, you will not owe interest on any new purchases you make during the next billing cycle, as long as you pay the full balance again when it is due.

Late payments and fees

A payment is late if it is not received by 5 p.m. Eastern Time on your due date. Macy's charges a late fee (usually $25 to $35, depending on your account terms) if your payment arrives after that time. A late payment also damages your credit score and may trigger a higher interest rate on your card.

If you miss a payment by more than 30 days, Macy's will report it to the credit bureaus. If you are unable to pay by your due date, call the customer service number on your statement as soon as possible — some accounts have hardship programs that can lower your payment or pause interest temporarily.

Automatic payments and payment plans

You can set up automatic payments through your online account so that a fixed amount is deducted from your bank account on the same day each month. This prevents missed payments and late fees. You can choose to pay your full balance, your minimum payment, or a custom amount. You can change or cancel automatic payments anytime through your account settings.

If you cannot pay your full balance and want to spread payments over time, contact Macy's customer service to discuss a payment plan. Some accounts are offered hardship plans that reduce your monthly payment or lower your interest rate temporarily. These are not automatic — you have to request them and meet certain conditions, such as proof of financial hardship.

Frequently Asked Questions

Can I pay my Macy's bill at a store?

No. Macy's credit card payments must go to the card servicer, not to individual stores. You can only pay at a register if you are making a purchase. To pay your bill, use online payment, phone, or mail.

What if I pay online but the payment does not show up?

Online payments post the same day if submitted before the important date. Check your account the next morning — if the payment still does not appear, call customer service with your confirmation number. Payments rarely fail, but if yours did, the representative can trace it and resubmit if needed.

How do I know my payment important date?

Your due date is printed on every billing statement and is visible in your online account. It is usually 21 to 25 days after your statement closes. If your due date falls on a weekend or holiday, Macy's extends it to the next business day.

Can I pay more than my balance?

Yes. If you overpay, the extra amount becomes a credit on your account and offsets future charges. You can also request a refund of the overpayment by calling customer service, though it may take 5 to 7 business days to process.

What if I want to dispute a charge before paying?

Call customer service before you pay. Explain the charge and ask to dispute it. You do not have to pay a disputed charge while the dispute is under review, though it will still count toward your balance. The investigation usually takes 30 to 60 days.