Where to send your Amazon Store Card payment

The Amazon Store Card is issued by Synchrony Bank, so payments go to Synchrony, not to Amazon itself. You can pay online through your Synchrony account, by phone, by mail, or through automatic transfers from your bank account. The fastest route is logging into your Synchrony account at mysynchrony.com and paying right there — the payment posts the same day if you pay before the cutoff time, which is usually around 8 p.m. Eastern.

If you do not have a Synchrony account set up yet, you will need to create one using your card number and Social Security number. Once you are logged in, you can see your balance, due date, and transaction history all in one place.

Key Takeaways

  • Payments go to Synchrony Bank (the card issuer), not Amazon, and can be made online at mysynchrony.com, by phone at 1-866-207-6267, or by mail to the address on your statement.
  • Online payments typically post the same business day if submitted before the evening cutoff, while mailed payments take 5 to 7 business days to reach Synchrony's processing center.
  • Setting up automatic payments through your bank account or Synchrony's autopay feature removes the risk of missing your due date and triggering late fees or interest charges.
  • Your minimum payment is due by the date printed on your statement, and paying only the minimum means you will owe interest on the remaining balance at Synchrony's current rate.

Paying online through your Synchrony account

Log into mysynchrony.com with your card number and password. If you have not created an account, select "Register" and follow the prompts — you will need your card number, Social Security number, and date of birth. Once you are in, click "Make a Payment" and enter the amount you want to pay. You can pay your full balance, your minimum payment, or any amount in between.

Synchrony offers two payment speeds: standard payments (posted the same business day if submitted before 8 p.m. Eastern) and rush payments (posted within 24 hours, though these may carry a small fee depending on your account). Choose the one that fits your timeline. After you confirm the payment, you will see a confirmation number — save this for your records.

Paying by phone or mail

To pay by phone, call Synchrony at 1-866-207-6267. A representative will ask for your card number and the amount you want to pay, then process the payment over the phone. Phone payments are treated as standard payments and typically post within one business day.

If you prefer to mail a check, write it to Synchrony Bank and include your account number on the check itself. Mail it to the address shown on your statement — this address changes based on which processing center handles your account, so always use the one printed on your bill. Mailed payments take 5 to 7 business days to arrive and post, so send it well before your due date to avoid late fees.

Setting up automatic payments

Automatic payments remove the guesswork and the risk of forgetting your due date. You can set them up through Synchrony's website by logging in, going to "Manage Autopay," and choosing a payment date and amount. You can set it to pay your full balance each month, your minimum payment, or a fixed dollar amount you choose.

Alternatively, you can set up automatic payments through your own bank's bill pay system. Log into your bank account, add Synchrony Bank as a payee, and schedule recurring payments to the address on your statement. This method gives you control from your bank's side and can be easier if you manage multiple bills in one place.

What happens if you miss a payment

If your payment does not arrive by the due date shown on your statement, Synchrony will charge a late fee (the amount varies but is typically $25 to $40 for the first late payment). More importantly, a late payment will trigger interest charges on your remaining balance at your card's current APR, which can be 20% or higher depending on your creditworthiness and current market rates.

A single late payment also gets reported to the credit bureaus and can lower your credit score. If you realize you will miss the due date, call Synchrony when ready at 1-866-207-6267 — sometimes they can waive a single late fee if you have a good payment history and explain the situation. The sooner you call, the better your chances.

Understanding your statement and due date

Your statement arrives each month and shows your opening balance, all purchases and credits from that billing cycle, your new balance, your minimum payment, and your due date. The due date is always the same day each month (for example, the 15th). Payments received by 11:59 p.m. Eastern on that date count as on-time.

Your minimum payment is calculated as a percentage of your balance plus any interest and fees — it is usually around 1% to 3% of what you owe. Paying only the minimum means the rest of your balance carries over to next month and accrues interest. To avoid interest entirely, pay your full statement balance by the due date.

Frequently Asked Questions

Can I pay my Amazon Store Card through Amazon.com?

No. Amazon does not process payments for the Store Card. You must pay Synchrony Bank directly through mysynchrony.com, by phone, or by mail. Amazon's website will direct you to Synchrony if you look for payment options there.

How long does it take for an online payment to show up?

Standard online payments post the same business day if submitted before 8 p.m. Eastern. Rush payments post within 24 hours. Once posted, the payment reduces your balance when ready, though it may take a day or two to appear in your transaction history.

What if I pay more than my balance?

If you overpay, Synchrony will hold the extra amount as a credit on your account. You can use this credit toward your next purchase, request a refund by calling 1-866-207-6267, or let it sit until your next statement. There is no penalty for overpaying.

Can I change my payment due date?

Yes. Log into mysynchrony.com, go to "Account Settings," and select "Change Due Date." Synchrony typically allows you to move your due date once per year. Choose a date that aligns with when you get paid or when you pay other bills.

What if my payment was rejected?

Payments are usually rejected because of insufficient funds in your bank account, an expired or incorrect bank account number, or a technical error. Synchrony will notify you by email or phone. Contact them at 1-866-207-6267 to find out why and to resubmit the payment as soon as possible to avoid late fees.