How Macy's bill pay works online
You can pay your Macy's credit card bill through the Macy's website, the Macy's mobile app, or by setting up automatic payments. The website and app both let you log into your account, view your balance, and send a one-time payment in minutes. Automatic payments deduct money from your bank account on a date you choose each month — usually your statement due date or a few days before it.
Payments made online typically post to your account within one business day, though the exact timing depends on when you submit the payment and your bank's processing schedule. If you pay after 11:59 p.m. Eastern Time, the system may process it the next business day. You can pay the full balance, the minimum payment, or any amount in between.
Key Takeaways
- You can pay online through the Macy's website or mobile app by logging into your account and selecting the payment option.
- Automatic payments deduct from your bank account on a schedule you set, which helps you avoid late fees if you choose a date before your due date.
- One-time online payments usually post within one business day, but submitting payment after 11:59 p.m. Eastern Time may delay posting until the next day.
- You need your Macy's credit card number and valid bank account information to set up automatic payments or make a one-time payment.
Paying through the Macy's website
Go to macys.com and select "Credit Card Services" or "Pay My Bill" from the main menu. Log in with your Macy's credit card number and PIN or password. If you do not have a PIN, you can set one up during login or use your password instead.
Once logged in, you will see your current balance, minimum payment due, and due date. Select "Make a Payment" and enter the amount you want to pay. You will then enter your bank account information — the routing number and account number from a checking or savings account. Review the payment details and confirm. The system will show you a confirmation number; save or print this for your records.
Using the Macy's mobile app
Download the Macy's app from the Apple App Store or Google Play Store. Tap "Account" or "Credit Card" at the bottom of the screen, then log in with your card number and PIN or password. Tap "Pay My Bill" or "Make a Payment."
Enter the payment amount and your bank account details, then confirm. The app works the same way as the website and posts payments on the same timeline. You will receive a confirmation number on screen and can take a screenshot for your records.
Setting up automatic payments
Automatic payments remove the need to remember your due date each month. Log into your account on the website or app, find the "Automatic Payments" or "AutoPay" section, and select "Enroll" or "Set Up." Choose the date you want the payment to come out each month — many people choose the due date or a few days before it to avoid late fees.
Select the amount: you can set it to pay your full statement balance, your minimum payment, or a fixed dollar amount. Enter your bank account information and confirm. Macy's will send you a confirmation email. You can change or cancel automatic payments anytime by logging back into your account.
What happens if you miss a payment
If your payment does not arrive by the due date shown on your statement, Macy's will charge a late fee. The amount varies but typically ranges from $25 to $40 for the first late payment. Your interest rate may also increase if you miss a payment by 60 days or more, and the missed payment will show on your credit report.
If you realize you will miss a due date, contact Macy's customer service before the date passes. Some cardholders can request a one-time waiver of a late fee or a brief extension, though this is not may provide. Automatic payments help prevent this problem because the money comes out automatically on the date you choose.
Fees and costs for online payments
Macy's does not charge a fee for paying your bill online, whether you make a one-time payment or set up automatic payments. You will not pay extra to use the website or app. However, your bank may charge a fee if you overdraft your account when an automatic payment comes out — that fee comes from your bank, not Macy's.
You will pay interest on any balance you carry from month to month. The interest rate (called the APR, or annual percentage rate) depends on your creditworthiness and the type of Macy's card you have. This rate is shown in your account and on your statement. Paying your full balance by the due date means you will not owe interest.
Troubleshooting payment problems
If your payment does not post within one business day, first check that you entered your bank account information correctly — a wrong routing number or account number will cause the payment to fail or be delayed. Log back into your account and look for a confirmation number or status update.
If the payment still has not posted after two business days, contact Macy's customer service. Have your confirmation number ready. If your automatic payment failed, Macy's will usually send you an email explaining why — often because your bank account information changed or your account does not have enough funds. Update your bank details in your account settings or contact customer service to fix it.
Frequently Asked Questions
Can I pay my Macy's bill by phone?
Yes. Call the customer service number on the back of your Macy's credit card. A representative can take your bank account information over the phone and process a one-time payment. This method works the same way as online payment and posts within one business day.
What if I want to pay with a different bank account?
You can change your bank account information anytime by logging into your account online or through the app. Go to "Payment Methods" or "Bank Account Information" and update your details. The change takes effect for your next payment.
Can I set up automatic payments to pay more than my minimum?
Yes. When you enroll in automatic payments, you can choose to pay your full statement balance, a fixed dollar amount, or your minimum payment. If you choose a fixed amount, make sure it is at least your minimum payment to avoid late fees.
What time should I make a payment to ensure it posts the same day?
Payments submitted before 11:59 p.m. Eastern Time typically post the same business day. Payments submitted after that time usually post the next business day. If your due date is tomorrow, do not wait until late evening — submit your payment earlier in the day to be safe.
Do I need to create a separate online account to pay my bill?
No. You log in using your Macy's credit card number and a PIN or password. If this is your first time paying online, you may need to set up a PIN during your first login. You do not need a separate username or email account.