Discover automatic payments withdraw a set payment amount from an enrolled cardholder’s linked checking or savings account every month on the card’s due date. Cardholders can sign up for Discover’s DirectPay automatic payments through their online account. There is no fee to sign up.
How to Set Up Discover Automatic Payments
Log in to your Discover account.
Select “Automatic Payments” from the “Activity & Payments” tab.
Enter your bank account’s routing number and account number.
Choose to pay the minimum amount due, the full statement balance, or a custom amount that is more than the minimum payment.
Discover will withdraw the payment on your card’s regular due date, or you can select a different due date by clicking “Change Payment Due Date” from your online Discover account’s DirectPay page. You will receive an e-mail reminder a few days before each payment occurs.
The recurring payment will process and credit to your Discover account the same day. The transaction should then post to your bank account within 1 to 2 business days, depending on the financial institution. If the payment due date falls on a weekend or bank holiday, your payment will process on the following business day and will still be considered on time.
The easiest way to make a Discover card payment is to log in to your online account or call (800) 347-2683. You can also mail payments to Discover Financial Services, P.O. Box 6103, Carol Stream, Illinois 60197. For fastest service, you should submit your payment online or by phone. Discover does not charge a fee for any of its payment methods.… read full answer
Discover will credit payments to your account the same day if they’re received by midnight Eastern Time, 6 days a week. Discover does not process payments on Saturday. If Discover receives a payment after midnight on a Friday, or on a bank holiday, it will credit to your account the next business day. Phone and online payments submitted before 5 p.m. Eastern Time on the payment due date will credit to your account the same day and will be considered on time. If the payment due date falls on a weekend or bank holiday, payments will process on the next business day.
When a payment is credited as received, it is initially reported as pending while it’s being processed. During this time, a hold is placed on the payment, so you won’t see an immediate increase in your available credit. The hold is lifted when Discover posts the payment to your account, usually 1-3 days after it is submitted. At this stage, the payment has been confirmed and the transaction is considered complete.
How to make a Discover card payment:
Online: Log in to your Discover online account. Click the “Make a Payment” button and enter the payment amount as well as info about the account from which the payment will be withdrawn. You can schedule your payment for any day up to the due date.
Phone: Call customer service 24/7 at (800) 347-2683. Enter the last 4 digits of your card number. Follow the voice prompts until you reach the payment option or press zero to speak to a customer service representative.
Mail: Send a check or money order to:
Discover Financial Services
P.O. Box 6103
Carol Stream, Illinois 60197
Discover does not accept cash payments. Be sure to write your account number on the “memo” line.
Discover does not charge a late fee the first time you don’t pay on time. After that, you will be charged a fee for every late payment. So, to avoid any late fees, it’s best if you submit your Discover card payment at least 5-7 business days before the due date. Another option is the DirectPay feature in which Discover automatically debits your payment from your bank account every month by the due date so you don’t have to. You can set up DirectPay online or by phone.
If you make your Discover card payment on time and in full each month, you’ll avoid costly interest charges. Discover gives you a 25-day grace period (23 in February) from the end of the billing period until the payment due date.
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