Calling Macy's to pay your bill by phone
You can pay your Macy's credit card bill by phone by calling the customer service number on the back of your card. The automated system will walk you through entering your account number and the amount you want to pay. You'll need your checking or savings account information ready — the system accepts bank account payments but not credit or debit cards.
The phone line is available 24 hours a day, 7 days a week. Payment is processed immediately when you complete the call, though it may take one to two business days to show as posted on your account. If you call during business hours and speak to a representative, they can answer questions about your balance or payment history before you pay.
Keep your confirmation number from the call. Write it down or take a screenshot if the system provides one on screen. This number is your record that the payment was submitted, and you'll need it if you ever need to dispute the transaction or check on a payment status.
Key Takeaways
- The phone number to call is printed on the back of your Macy's credit card, and the line operates 24/7 with an automated payment system.
- You must have a checking or savings account available to pay by phone; credit or debit cards are not accepted through this method.
- Payments process immediately but may take one to two business days to appear as posted on your account.
- Save your confirmation number from the call as proof that your payment was submitted.
- Speaking to a representative during business hours lets you ask about your balance or account details before paying.
What information you need before calling
Have your Macy's account number ready. This is printed on your credit card and on your bill statement. If you don't have your card in front of you, you can find the number on any recent bill you received in the mail or email.
You'll also need the routing number and account number for the bank account you want to pay from. These appear on the bottom left of your checks. If you don't have checks, log into your bank's website or app — most banks display this information in the account details section. Some banks also print it on statements.
Know how much you want to pay before you call. You can pay your full balance, a minimum payment, or any amount in between. The system will confirm the amount before processing, so you have a chance to correct it if you make a mistake.
How the automated payment system works
When you call, the automated system will ask you to enter your account number using your phone keypad. It will then read back your account information and current balance to confirm you've reached the right account. Listen carefully — if the information is wrong, you can hang up and call back to try again.
Next, the system will ask how much you want to pay. Enter the amount using your keypad. The system will repeat the amount and ask you to confirm it. This is your chance to catch any mistakes before the payment goes through.
You'll then enter your bank account information: the routing number and account number. The system will ask whether it's a checking or savings account. After you enter everything, the system will give you a confirmation number. Write this down immediately — you won't be able to retrieve it later.
When payments post to your account
Payments made by phone are processed the same day you call, but they don't show up as posted on your account right away. Most payments appear within one to two business days. Weekends and holidays can add extra time, so a payment made on Friday afternoon might not show until Tuesday.
Until the payment posts, your account will still show your previous balance. This doesn't mean the payment didn't go through — it just means the banking system hasn't finished moving the money yet. Your confirmation number proves the payment was submitted.
If more than two business days have passed and the payment still hasn't posted, call customer service again and have your confirmation number ready. A representative can look up the payment in the system and tell you its status.
Paying before your due date matters
Macy's reports your payment history to the credit bureaus, so paying on time helps your credit score. The due date is printed on your bill statement. If you pay after the due date, Macy's may charge a late fee and report the late payment to the credit bureaus, even if you only miss it by a day.
If you're worried you might forget, calling a few days early gives you a buffer. Since payments take one to two days to post, paying three or four days before the due date ensures the payment will show as posted by the deadline.
If you've already missed a due date, paying now stops additional late fees from building up. Late fees vary, but they're usually between $25 and $40 per missed payment. Paying as soon as you can limits the damage to your account.
What to do if you can't reach the payment line
If the automated system is down or you're having trouble entering information, you can speak to a representative by staying on the line or pressing the option for customer service. Representatives are available during business hours, typically 8 a.m. to 10 p.m. Eastern time, though hours may vary.
If you reach a representative, they can take your payment information over the phone and process it manually. They can also answer questions about your account, explain charges you don't recognize, or discuss payment plans if you're having trouble paying the full amount.
If you prefer not to call, Macy's also lets you pay online through their website or mobile app, by mail, or in person at a Macy's store. Each method has different processing times, so choose based on when you need the payment to post.
Frequently Asked Questions
Can I pay someone else's Macy's bill by phone?
No. The automated system requires the account holder's information to process a payment. If you're authorized to manage someone else's account, you may be able to pay by logging into their online account or calling and speaking to a representative who can verify your authorization.
What happens if I enter the wrong bank account number?
The payment may be rejected, or it may go to the wrong account. If this happens, contact Macy's customer service immediately with your confirmation number. They can investigate where the payment went and resubmit it to the correct account if needed.
Can I pay my Macy's bill with a credit card over the phone?
No. The phone payment system only accepts payments from checking or savings accounts. You can pay with a credit or debit card online through Macy's website or app, or by mail if you include a check instead.
Is there a fee for paying by phone?
No. Macy's does not charge a fee for phone payments. The only cost is what you owe on your bill itself.
How do I know if my payment went through?
The confirmation number you receive at the end of the call is your proof. Write it down and keep it. If you lose it, you can call back during business hours and a representative can look up the payment using your account number and the date you called.