How to pay Zales on your account

You can pay your Zales account through their website, by phone, by mail, or in person at a Zales store. The fastest method is online through your account dashboard, where the payment posts within one business day. Phone payments take the same time but require speaking with a representative. Mail and in-store payments take longer — typically three to five business days — because the payment has to be received and processed manually.

Zales is owned by Signet Jewelers, the same parent company that owns Jared and Kay Jewelers. If you have accounts at any of those stores, they may share the same payment system, but you must pay each account separately. A payment to your Zales account will not reduce a balance at Jared or Kay.

Key Takeaways

  • Online payments through your Zales account are the fastest option and post within one business day.
  • You can pay by phone at 1-800-311-5139, by mail to the address on your statement, or at any Zales store location.
  • Mail and in-store payments take three to five business days to post, so plan ahead if you have a due date coming up.
  • Your minimum payment amount and due date appear on your monthly statement and in your online account.

Paying online through your Zales account

Log in to your Zales account at zales.com using your email address and password. If you do not have an online account yet, you can create one by clicking "Sign Up" on the homepage. You will need your account number, which appears on your statement or your Zales credit card.

Once logged in, look for a "Make a Payment" or "Pay Now" button, usually visible on your account dashboard or under an "Account" or "Billing" menu. Enter the amount you want to pay and choose your payment method — debit card, credit card, or bank account. Review the details, confirm the payment, and you will receive a confirmation number when ready. The payment will post to your account within one business day.

Paying by phone

Call Zales customer service at 1-800-311-5139. Have your account number and payment method ready. A representative will ask for the amount you want to pay and will process the payment over the phone using your debit card, credit card, or bank account information. You will receive a confirmation number at the end of the call.

Phone payments post within one business day, the same as online payments. Zales customer service is available Monday through Friday, 9 a.m. to 9 p.m. Eastern time, and Saturday and Sunday, 10 a.m. to 6 p.m. Eastern time. If you call outside these hours, you can leave a message and a representative will contact you the next business day.

Paying by mail

Write a check or money order payable to Zales. Include your account number on the check. Mail it to the address printed on your statement under "Payment Address" — this is different from your billing address and is the only address Zales will accept for mailed payments.

Mail payments typically take three to five business days to arrive and be processed. If your payment due date is within a week, do not rely on mail. Zales will not credit a payment as on-time if it arrives after the due date, even if you mailed it before the important date. Keep a copy of your check or money order receipt for your records.

Paying in person at a Zales store

Visit any Zales store location with your account number and your payment method — cash, debit card, or credit card. A store associate can process the payment at the register. You will receive a receipt showing the amount paid and the date.

In-store payments take three to five business days to post to your account because the store must deposit the payment and it must be processed through Zales' payment system. Even though you paid in person, the posting delay is the same as a mailed payment. If you need the payment to post quickly, use the online or phone method instead.

What happens after you pay

Once your payment posts, your account balance will decrease by the amount paid. Your next statement will reflect the payment and show your new balance. If you paid more than the minimum, the extra amount reduces your principal balance and lowers the interest you will pay going forward.

If you are behind on payments, a single payment may not bring your account current. Contact Zales to understand what amount is needed to catch up, or ask about a payment plan if you cannot pay the full past-due amount at once. Zales may offer hardship options depending on your situation, though these are not may provide.

Frequently Asked Questions

Can I set up automatic payments to Zales?

Yes. Log into your online account and look for an "Auto Pay" or "Automatic Payments" option, usually under Account or Billing settings. You can choose to pay your minimum amount, a fixed amount, or your full statement balance on a date you select each month. Automatic payments post on the date you choose and count as on-time if that date is on or before your due date.

What if I pay more than my balance?

If you pay more than you owe, Zales will credit the overpayment to your account. You can use that credit toward future purchases or request a refund. Contact customer service to request a refund; it typically takes five to seven business days to process.

Does paying online cost extra?

No. Zales does not charge a fee for online or phone payments. Mail and in-store payments are also free. Some third-party payment services may charge a fee if you use them to pay Zales, but paying directly through Zales' website or phone line has no additional cost.

What if my payment is late?

A payment is considered late if it posts after your due date. Late payments may result in a late fee and can hurt your credit score. If you know you will miss a due date, contact Zales before the important date to discuss options. Some accounts may have a grace period, though this is not may provide.

Can I pay someone else's Zales account?

You can make a payment if you have the account number and know the payment address, but Zales will not discuss the account details with you unless you are listed as an authorized user. If you are paying on behalf of someone else, have them contact Zales first to authorize you, or make the payment and provide them with the confirmation number so they can verify it posted.