Call Target's automated bill pay line at 1-800-440-0680
Target's phone-based bill pay system lets you make a payment over the phone without logging into your account online. You call the automated line, enter your card number and payment amount, and the system processes it immediately. The line operates 24 hours a day, seven days a week.
This method works whether you have a Target RedCard or a regular Target Mastercard. You do not need to create an online account or download an app to use it. The call takes about five minutes from start to finish. The automated system will ask you to confirm your payment amount before it goes through. If you make a mistake during the call, you can hang up and start over — nothing is charged until you confirm at the end.
Key Takeaways
- Target's automated bill pay phone number is 1-800-440-0680, available around the clock with no wait time for most calls.
- You will need your card number, the amount you want to pay, and a checking or savings account to transfer from.
- Payments made by phone typically post to your account within one to two business days.
- If you cannot reach the automated line or need to speak with a person, you can call Target Guest Services at 1-800-852-8255 during business hours.
What information you need before calling
Have your Target card number ready — the 16-digit number on the front of your card. You will also need the routing number and account number for the bank account you want to pay from. This information appears on the bottom left of your checks, or you can log into your bank's website to find it.
Know the exact amount you want to pay. The system will read it back to you before charging your account, so you have a chance to correct it if you say the wrong number. Write down the confirmation number the system gives you at the end of the call, or take a photo of it for your records.
How the payment gets processed
When you confirm your payment over the phone, the system immediately deducts the money from your bank account. The payment then travels through the banking system to Target's account. Most payments arrive within one to two business days, though some may take up to three business days depending on your bank and the time of day you called.
The confirmation number you receive is your proof of payment. Keep it until you see the payment show up in your Target account online. If you need to dispute the payment later or prove you made it, this number is what you will reference when you call Target Guest Services.
When to use phone pay versus other methods
Phone pay is fastest if you do not have internet access or prefer not to use a website. It is also useful if your online account is locked or you forgot your password. The downside is that you cannot schedule a payment for a future date — the money comes out of your account right away.
If you want to set up automatic payments or schedule a payment for next week, you will need to use Target's website or app instead. If you are having trouble with the automated line or need to discuss your account, you can speak to a person by calling Target Guest Services at 1-800-852-8255 during business hours.
What happens if the payment fails
If your bank account does not have enough money, the payment will be declined and your account will not be charged. The automated system will tell you immediately that the payment failed. You can try again with a different account or a smaller amount.
If you see a charge on your bank statement that you did not authorize, contact your bank right away. You can also call Target Guest Services to report the issue and provide your confirmation number from the call. Your bank can reverse unauthorized charges within a set timeframe, usually 60 days.
Fees and costs
Target does not charge a fee for paying your bill by phone. Your bank may charge a fee if you use the phone line to transfer money from a savings account rather than a checking account, so check your bank's fee schedule before you call.
Some banks also charge fees for ACH transfers, which is the method the automated system uses to pull money from your account. Call your bank's customer service line if you are unsure whether a fee applies to this type of transaction.
Frequently Asked Questions
Can I pay my Target bill from someone else's bank account?
No. The automated system requires that the bank account belong to the person whose name is on the Target card. If you need to make a payment from a different account, you will need to speak with a Target representative by calling 1-800-852-8255.
What if I call after midnight?
The automated line runs 24 hours a day, so you can call anytime. Payments made after business hours will process the next business day, just like payments made during the day.
How do I know if my payment went through?
The system gives you a confirmation number at the end of the call. Write it down. You can also check your Target account online or call 1-800-852-8255 to confirm the payment posted, usually within one to two business days.
Can I pay more than my full balance?
Yes. You can pay any amount up to your credit limit. If you overpay, the extra money becomes a credit on your account that you can use for future purchases.
What if I need to cancel a payment I just made?
If you called within the last few minutes, hang up and call back immediately — the payment has not left your bank yet. If more than a few minutes have passed, call Target Guest Services at 1-800-852-8255 with your confirmation number and explain the situation. They may be able to stop it before it posts.