Where to find Target Bill Pay and what you need to log in
Target Bill Pay is part of Target's online account system, not a separate website. You reach it by logging into your Target.com account, then navigating to the RedCard section. You will need your Target.com username and password — the same credentials you use to shop online or check your RedCard balance.
If you do not have a Target.com account yet, you can create one at Target.com before you set up bill pay. You will need a valid email address and a password you create yourself. Once your account is active, you can add your RedCard to it if you have not already.
Target Bill Pay lets you schedule payments to your RedCard from a bank account you control. You choose the payment amount and the date the payment should arrive. The system does not charge you a fee to use it.
Key Takeaways
- Target Bill Pay is accessed through your Target.com account, not through a separate login page or app.
- You will need your Target.com username and password, plus a bank account to pay from.
- Payments typically take one to three business days to post to your RedCard account after you schedule them.
- You can schedule payments in advance or make a one-time payment whenever you need to.
Steps to log in and access bill pay
Go to Target.com and select "Sign In" in the top right corner. Enter your email address and password. If you have not logged in recently, Target may ask you to verify your identity through an email or text message — check your inbox or phone for a code and enter it on the screen.
Once you are logged in, look for "RedCard" or "Account" in the menu. Select it, then find the option for "Pay Your Bill" or "Make a Payment." This takes you to the bill pay screen where you can see your current balance, recent transactions, and the option to schedule a new payment.
If you cannot find the RedCard menu, try searching "bill pay" in the Target.com search bar at the top of the page. Target's website layout changes occasionally, so the exact location of links may shift.
What information you need before you pay
Have your bank account details ready: the routing number and account number from the bank account you want to pay from. You can find these on a check, in your online banking portal, or by calling your bank. Target will ask you to enter these details the first time you set up a payment from that account.
You will also need to know how much you want to pay. You can pay your full balance, the minimum payment shown on your statement, or any amount in between. Target shows you your current balance on the bill pay screen, so you can decide before you submit.
The payment date you choose should be at least one business day in the future. If you schedule a payment for today, it may not process. Target typically posts payments one to three business days after you schedule them, depending on your bank.
Troubleshooting a forgotten password or account lockout
If you forget your Target.com password, select "Forgot Password?" on the sign-in page. Target will send a reset link to the email address on file. Click the link, create a new password, and try logging in again. The reset link usually works for 24 hours.
If you enter your password wrong several times in a row, Target may lock your account temporarily for security. Wait 15 to 30 minutes and try again, or use the "Forgot Password?" option to reset it. If the account remains locked after that, contact Target's customer service by phone or through the Target app.
If you cannot access the email address on file, you will need to verify your identity another way. Target's customer service team can help you regain access by asking security questions or sending a verification code to the phone number on your account.
How payments post and when to expect them
After you schedule a payment, Target sends the request to your bank. Your bank then transfers the money from your account to Target's account. This process usually takes one to three business days. During this time, the payment shows as "pending" or "scheduled" in your Target Bill Pay history.
Once the payment arrives at Target, it posts to your RedCard account and reduces your balance. You will see the updated balance the next time you log in or check your statement. Payments made on a Friday or weekend may not post until the following Monday or Tuesday, since banks do not process transfers on non-business days.
If a payment does not post within three business days, log back into Target Bill Pay and check the payment status. If it still shows as pending, contact your bank to confirm the transfer went through. If your bank says the money left your account but Target did not receive it, contact Target's customer service with the payment details.
Setting up automatic or recurring payments
Target Bill Pay does not offer automatic payments that deduct from your account every month on a set date. You must schedule each payment manually. However, you can set a reminder on your phone or calendar to log in and schedule a payment on the same day each month if that helps you stay on track.
Some banks offer bill pay through their own website or app, and you can set Target as a payee there. If your bank supports this, you can schedule recurring payments from your bank's bill pay system instead of logging into Target each time. Check with your bank to see if this option is available to you.
Scheduling payments in advance is a good way to make sure your payment arrives on time. You can log in to Target Bill Pay weeks ahead and schedule multiple payments for different dates if you want to.
What to do if you see an error or unauthorized charge
If you notice a payment you did not schedule, or a payment amount that is wrong, do not ignore it. Log into Target Bill Pay and check your payment history. Look at the date, amount, and status of each payment. If you see something that does not match what you remember scheduling, write down the details.
Contact Target's customer service right away with the payment details. Have your RedCard number and the date of the payment ready. Target can investigate whether the payment was processed correctly and reverse it if there was an error. If the payment came from your bank account but you did not authorize it, you may also need to contact your bank to report it.
Keep records of all payments you schedule, including screenshots or notes of the amount and date. This makes it easier to spot errors and to prove what you authorized if there is a dispute later.
Frequently Asked Questions
Can I pay my Target RedCard from someone else's bank account?
No. Target Bill Pay requires the bank account to be in your name. If someone else's name is on the account, the payment may be rejected. You can ask someone to give you money to pay the bill, but the bank account linked to the payment must belong to you.
What happens if I schedule a payment but then cancel it?
If you cancel before the payment is sent to your bank, it will not go through and no money will leave your account. Once your bank has already processed the transfer, you cannot cancel it through Target Bill Pay. You would need to contact your bank to stop the payment, though this may not be possible if the money has already been sent.
Do I need the Target app to use bill pay, or can I do it on the website?
You can use bill pay on both the Target website and the Target app. Log in the same way on either platform. The steps are similar, though the exact menu locations may look slightly different depending on which device you are using.
Is there a fee to use Target Bill Pay?
No. Target does not charge a fee to schedule or make payments through Bill Pay. Your bank may charge a fee if you use their bill pay service to send money to Target, so check with your bank about their policies.
How far in advance can I schedule a payment?
You can usually schedule a payment up to several weeks in advance, though Target's system may have a maximum limit. Log into Bill Pay and try entering a future date to see how far ahead you can schedule. If the date is too far away, the system will show you the latest date available.