Discover Card Payment: How To Pay Online, By Phone, By Mail

Previously we talked about Discover credit card login, how to login, reset your password incase if forgotten, create an account and much more. Right now we are going to look into Discover Card Payment methods, how to make Discover Card Payment online, by phone and by mail. continue reading below.

Paying off your credit card on time each month is critical for maintaining a solid credit score and preventing late fees from piling up. For Discover card users, the simplest way to make a payment is to create a user account on the Discover website. If you prefer not to put your financial information online, you can also submit a payment through the mail in the form of a check or money order.

How Long Does It Take For a Discover Payment to Go Through Online?

How To Make A Discover Card Payment Online

1: Visit the Discover website. Head over to http://www.discovercard.com from your desktop computer or mobile device. From there, you can create an account, review your existing credit card balance, and make payments. See this guide

  • The mobile version of the Discover card website may look a little different from the full version, but you should have no trouble tracking down the links you need.
  • Download the Discover Mobile app to manage your payments and account details all from one convenient hub.

2: Create an account. Click the “Register Account” option in the small Login box in the upper right-hand side of the page. You’ll be prompted to provide your account number and the expiration date of your card, along with your birth date and the last 4 digits of your Social Security number.

  • Once you’ve registered your account, you’ll be able to set a custom user ID and password. Be sure to write this information down somewhere secure so you won’t lose it.
  • If you already have an account on the Discover website, you can skip this step and put in your login info instead.

3: Log in to the Discover Account Center. If you’re creating an account for the first time, you should be logged in automatically after submitting all the necessary user info. Otherwise, you’ll need to return to the main website and locate the Login box in the upper righthand corner of the page. Specify your account type, then type in your user ID and password to log in.

Discover Card Payment
  • If you’re bad about forgetting your login info, check the “Remember User ID” box to store it in your computer for future visits.
  • Avoid choosing the “Remember User ID” option if you’re using a public computer where someone else might be able to access your credit card information.

4: Click the “Make a Payment” link. Doing so will redirect you to a separate page where you can handle the particulars of your credit card payments.

5: Enter the amount you want to pay. Refer to your existing card balance displayed at the top of the page to determine how big a payment you want to make. You’ll need to enter at least the minimum amount specified in order for your payment to be accepted. When you’re done, click the “Submit Payment” button to send your payment info off for processing.

  • The money for your payment will be deducted directly from your bank account. It’s not an option to pay your credit card bill using a debit card or another credit card. However, you can make up to two payments a day using different bank accounts.
  • If possible, pay more than the minimum required amount. Not only is this good for your credit score, it can also help you avoid accumulating late fees and interest charges.

How To Make A Discover Card Payment By Phone

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.

How To Make A Discover Card Payment By Mail

1: Detach the payment coupon from your monthly account statement. At the top of your statement you’ll see your total balance, your required monthly minimum payment, and all recent transactions. At the bottom, you’ll find a detachable payment coupon. Tear off this portion of the statement so you can send it in along with your payment.

  • Remove the payment coupon carefully to avoid ripping it and losing any important info.

2: Fill out a check or money order with your minimum monthly payment. Provide all the necessary details of your payment, including your name, the day’s date, and the numerical and written amount that the check is worth. Write your account number on the memo line to identify what the payment is for.

  • If you’re sending a payment via money order, you’ll also need to sign the front side of the form.
  • Never send cash through the mail, as it could easily be intercepted and stolen by a third party.

3: Address your envelope to Discover’s Financial Services department. When providing the recipient information, make sure you put down the address for the main Discover billing office rather than the company headquarters or a regional office. The address for Discover’s Financial Services department is P.O. Box 6103, Carol Stream, IL 60187-6103.

  • This address is also conveniently listed on the top of the payment coupon, so you shouldn’t have to worry about forgetting it.
  • If you accidentally mail your payment to the wrong place, there’s a chance it may not be processed before the due date.

4: Mail your payment 7-10 business days before it’s due. It’s called “snail mail” for a reason. If you want to be certain that your payment will be received on time, it’s a good idea to send it out at least a week before the listed due date. Otherwise, there’s no telling when it might arrive.

  • Keep in mind that the mail doesn’t run on the weekends in some parts of the world. To make sure your payment will be received on time, only include business days in your 7-10 day window.

Frequently Asked Questions

1: What are my payment requirements?

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
  • After 5:00 p.m. ET, payments cannot be submitted with a posting date of that same 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

2: How can I pay my credit card bill with a check?

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.

3: Can I auto pay my credit card bill?

Yes, you can help be sure you’re paying on time and avoiding late fees every month with an automatic payment. 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. 

4: Is there a convenience fee for any Discover Card Payment Method?

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. Discover it Card members also have no late fee on their first late payment and no APR increase for paying late.

5: How long do credit card payments take to post?

For Non-Discover It Cardmembers:

  • Payments post on the same day when you make them before 5:00 p.m. Eastern Time (ET).
  • Payments you make after 5:00 p.m. ET will not post that same 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.

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