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 payments with DirectPay.

  1. How Discover’s DirectPay Program Works
  2. Advantages of DirectPay
  3. Check Your Transactions

1. 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 checking or savings 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 payment options:

  • Minimum payment due. This is the option to automatically withdraw the minimum payment shown on your Discover 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 checking or savings 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).

2. Advantages of DirectPay

There are several reasons why DirectPay is a convenient payment option. First, you will never have to worry about forgetting to make a payment, or making the payment late. 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 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.

3. 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 your 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.

Published November 23, 2015

Updated December 16, 2020

Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.