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What is Automatic Bill Payment, and How Do I Set It Up?

Last Updated: December 22, 2021
3 min read

Have you ever been stressed out about making your credit card payments on time? Paying your credit card bill is likely one of dozens of tasks that you have to remember to do each month, and it’s easy to make a mistake and forget to pay, or to pay the wrong amount. Thankfully, Discover cardholders have an option to set up recurring automatic payments with DirectPay.

How Discover’s DirectPay program works

Once you’ve received your first statement, you have the option to enroll in recurring payments, which are debited automatically from your bank account. To enroll, just log in to your Discover account online, and go to the DirectPay homepage.

From there, you can begin enrollment by entering the information from your bank account, including the account number and the bank’s routing number, address and daytime telephone number.

Next, you will need to choose one of four recurring payment options:

  • Minimum payment due. This is the option to automatically withdraw the minimum payment shown on your Discover credit card statement each month.
  • Minimum payment due plus a fixed amount. This option allows you to choose an amount that is above the minimum payment due.
  • Full statement balance. This option enables you to pay the entire statement balance.
  • Another amount. This option allows you to specify an amount, and DirectPay will automatically withdraw that amount or the minimum payment due, whichever is larger.

Once you confirm your enrollment, the payment option you select will automatically be debited on a recurring basis from your selected bank account. If you ever wish to cancel or modify your enrollment for any reason, simply call Discover at 1-800-DISCOVER (1-800-347-2683).

Advantages of DirectPay

There are several reasons why DirectPay is a convenient payment option. First, you won’t have to worry about forgetting to make a payment. In addition, you are spared the hassle of writing a check, sealing it in an envelope, applying postage and leaving it for the mail carrier. Even if you pay electronically through your bank, you will save time, as you will no longer need to log in to your account each month to initiate payment.

In addition, using DirectPay can help eliminate costly errors, such as entering the wrong payment amount or payment date. And finally, using DirectPay may make it easier for you to stick to your designated budget plan.

Check your transactions

Cardholders who enroll in DirectPay should still take the time to carefully review each month’s statement. You should always examine your transactions and report any unauthorized charges. Finally, it’s up to you to ensure that you’re checking or savings accounts have sufficient funds available to fulfill the recurring payment option you’ve specified.

By using the Discover Card’s DirectPay option, you can pay your credit card bill easily and with minimal hassle.

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