DISCOVER CARD HELP CENTER

How to Pay Your Discover Card Bill

All the methods you can use to pay your Discover Card.

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Frequently Asked Questions

Discover makes it easy for you to make a credit card payment online or through these other convenient options:

Please see below for more information on payment posting:

For Non-Discover It® Card Members:

  • Payments submitted before 5:00 p.m. Eastern Time (ET) with a payment posting date of the same day will be credited to your account that day
  • Payments submitted after 5:00pm will not be posted same day, and will have a posting date of the next day.
  • Payments scheduled for a future date will be credited to your account on the date selected
  • Online and phone payments scheduled, but not yet posted, can be canceled online up until 5:00 p.m. ET on the payment posting date and will not post to your account

For Discover it® Card Members:
  • Payments submitted before midnight Eastern Time (ET) will be credited to your account that day, except for payments made on the cycle date. Payments made on your cycle date submitted before 5:00 p.m. ET will be credited as of that same day
  • Same day payments submitted before 5:00 p.m. ET can be cancelled until 5:00 p.m. ET that same day. Same day payments submitted after 5:00 p.m. ET but before midnight ET can be canceled until midnight of that same day
  • Payments scheduled for a future date will be credited to your account on the date selected. Future scheduled payments can be cancelled until 5:00 ET of the scheduled date

You can mail your check to the address on the payment coupon at the bottom of your credit card statement. If you can't find this address, mail your check to:

Discover Financial Services
P.O. Box 6103
Carol Stream, Illinois 60197-6103


Note: Please remember to always pay with a personal check, cashier's check or money order, and never send cash. Please write your account number on the "memo" line, and to avoid late fees, always allow 7-10 days for your payment to reach us. Please include the payment coupon at the bottom of your credit card statement.

Yes, you can schedule automatic payments to help you pay on time. Set your auto-pay amount at your minimum payment, your statement balance or a custom amount, and we'll automatically deduct your credit card payment each month. You'll get an email reminder a few days in advance of the payment. Learn more about automatic payments, or log in and switch to automatic payments now.

No. There's no convenience fee for any of our payment methods. Plus, Discover is the only credit card company with no annual fee on every single card.

The time it takes a payment to reach us depends on how it is handled by the bill payment service or bank. Some services, for example, process payment requests only once a day or once a week, while others process the requests electronically, but then send paper checks. Processing time may also be affected by weekends and bank holidays. To learn how your bill payment service or bank processes your payment requests, please contact them directly.


A way to make sure your payment is credited to your account is to pay online in the Account Center by clicking on the "Payments" tab and selecting "Make a Payment".


Not registered for the Account Center? Register Now.

You can pay your Discover bill any time by calling 1-800-DISCOVER (1-800-347-2683). Discover has no pay-by-phone convenience fee.

To avoid late payments and late fees, you'll want to be sure your Discover Card payment arrives on time. If you're using an e-bill or a bill payment service, you'll need to allow enough time for that checking account, debit card account or other bank account to deliver your payment. You may have a bank account that only processes payment requests once a day or once a week. Or it may process the requests electronically, but then send paper checks. Weekends and bank holidays can also cause delays. To learn how your bill payment service or bank processes payment requests, please contact them directly.

 

It may be faster to make your credit card payment with your Discover.com account. If you're not registered online at Discover.com, you can register now.

For Non-Discover It Cardmembers:

  • Payments post on the same day when you make them before 5:00 p.m. Eastern Time (ET).
  • Payments submitted after 5:00pm will not be posted same day, and will have a posting date of the next day.
  • A scheduled payment for a future date will post to your account on the date you select.
  • You can cancel a scheduled payment online or by phone until 5:00 p.m. ET on the payment posting date.

For Discover it® Cardmembers:

  • Payments post on the same day when you make them before midnight Eastern Time (ET), except for payments you make on your cycle date. Cycle date payments post the same day when you make them before 5:00 p.m. ET.
  • If you make a payment before 5:00 p.m., you can cancel it the same day up until 5:00 p.m. If you make a payment after 5:00 p.m., you can cancel it the same day up until midnight ET.
  • A scheduled payment for a future date will post to your account on the date you select.
  • You can cancel a scheduled payment online or by phone until 5:00 p.m. ET on the payment posting date.

No. There are several ways to pay your Discover Card, including online at Discover.com or with our mobile app using your bank account information. Other options include sending a check by mail using the return envelope in your statement or paying by phone at the number on the back of your card.

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