Make a Discover Card Payment: Step-by-Step Guide

Every Discover cardholder faces the challenge of paying monthly payments to maintain an excellent credit score and avoid late fees. The most convenient and simple option to monitor your balance and manage expenses is to use the Discover website or mobile application. However, although this method is the most popular, it is not the only one.

Keep reading to learn everything about Discover card payments. Step-by-step instructions for paying your Discover card bill online, a guide for sending a money order via mail, tips and tricks for easily managing Discover payments — you will find all this in our article.

How to Pay a Discover Credit Card Balance: a Step-by-Step Guide

So, what should you do to successfully make a Discover card payment? Here are our step-by-step instructions on how to pay your Discover card bill online.

Note: The payment can only be made using a bank account — it is not possible to make a transaction using a card.

1. Go to the Discover website

You can use your computer or mobile phone to visit the site and create an account or log into an existing one. Here you will be able to access your card balance and make a Discover card payment. Consider installing a mobile app to make managing your payments as convenient and simple as possible.

2. Create an account or log in

If you don’t have a registered account on the Discover website, look for the “Register an Account” button in the top right corner of the page. Here, you must enter your account number and the expiration date of your card, as well as your personal information, such as date of birth and your Social Security number. After this, you will be asked to set a password — make sure it is strong enough, and you remember it.

If you have already created an account, simply enter your user ID and password to log in.

3. Find the “Make a Payment” option

Once logged in, look for a “Make a Payment” link, which is located in the top menu on the Payments tab. By clicking on it, you will be redirected to a page where you can make your Discover credit card payment.

4. Select the amount

Go to the “Current Balance” section to determine how much money you want to pay. Please note that for a successful payment, you will have to enter an amount not less than the minimum acceptable, which is calculated individually and will be shown on the page. Also, remember that the higher the amount, the better — this will have a positive effect on your credit rating and will save you from being charged additional fees. To proceed with the transfer, you must click “Submit Payment”.

How to Pay a Discover Card Bill by Mail

Paying a Discover card via the website is not the only method available to you — continue reading to learn the procedure for making a Discover payment by mail.

1. Find the coupon on your monthly statement

Your statement shows your total card balance, mandatory monthly payment, and all recent payments. You should find the removable coupon and carefully separate it to send along with your money transfer.

2. Fill out the payment form

Enter all information about your payment: customer information, as well as payment date and amount. Don’t forget to include your account number and sign the payment form when sending cash via money order.

3. Send your money order or a filled-out check

You must send an envelope containing the payment coupon and money to Discover’s Financial Services department. Please be sure to enter the recipient’s address correctly.

If you provide incorrect details and your payment is routed to, for example, a company headquarters or regional office, it may take some time for your money transfer to be sent back. That is, you may be at risk of missing the minimum required payment on your Discover card. Therefore, just in case, don’t mail a money order close to your due date — do it up to 10 business days in advance to ensure the money is delivered to the recipient before the deadline.

If you prefer other Discover card payment options, then you can also consider making a Discover pay by phone. To do this, you must contact Discover customer service at the phone number you can find on your credit card and follow the operator’s instructions, providing all financial and personal information requested.

Tips for Easy Discover Credit Card Payments

To ensure that your payment goes smoothly and successfully, here are a few of our tips and tricks that will help you avoid problems with your Discover credit card payments.

Pay the required minimum payment

Always pay at least the minimum amount of money so as not to receive fines. To do this, always keep an eye on your bank account balance — the available amount of money should be sufficient to make the minimum payment on your Discover card.

Please note that if your account balance is insufficient, you will be subject to an additional fee for the declined payment. Also, do not forget that if the payment is not successful, you may miss the due date, which will incur additional interest.

Remember that payments are not processed instantly

If your card payment deadline is approaching, consider the transaction processing time. Payments made before the evening can be processed on the same day, and if you send money at the end of the day, it will be processed on the next day. If you send money over the weekend, you will have to wait until Monday for the money to be credited to your balance. Last but not least, do not forget that if you encounter any problems with the site or other obstacles, you will be responsible for late payment.

Use the power of planning

You can receive notifications about upcoming payment deadlines, so you don’t have to worry about forgetting to transfer money. You can do this directly through the Discover website, and messages will be sent to your email or mobile phone. And if you are unable to make a required Discover card payment now, schedule it through your calendar for the future so you don’t forget or miss it.

In case of any problems, difficulties, or questions, do not neglect to contact Discover representatives. The support service will answer any of your questions and help you cope with any challenges.