How to Make a Target Payment: A Step-by-Step Guide

Making payments at Target is easy and convenient with multiple options available. Whether you have a Target credit card, debit card, or just want to pay with cash or another card, this guide will walk you through the different ways to make a payment at Target stores and online.

Overview of Payment Options at Target

Target offers several payment options to choose from:

• Target REDcards – These are Target’s branded credit and debit cards that offer perks like 5% off purchases and free shipping. You can make payments on Target REDcards online through the mobile app by phone, by mail or in stores.

• Other credit/debit cards – Target accepts all major credit and debit cards like Visa, Mastercard, American Express and Discover. You can use these to pay both in-store and online.

• Target GiftCards – Purchase or reload Target GiftCards to use as payment You can also make payments on Target GiftCard balances

• Cash – Cash payments are accepted at Target registers.

• Check – Target accepts checks in-store with valid ID.

• Target Wallet – The Target app lets you store debit/credit cards for contactless in-store payments.

• Order Pickup/Drive Up – Order online and pay on Target.com, then pick up in-store or via Drive Up curbside pickup.

How to Make an In-Store Payment

Making an in-store payment at Target is easy:

• Cash: Simply inform the cashier you’ll be paying with cash and hand them your bills/coins when it’s time to pay.

• Target REDcard: Swipe your Target debit or credit card through the card reader. You’ll save 5% with the REDcard!

• Other debit/credit card: Insert or swipe your card through the card reader. Enter your PIN or sign the screen as prompted.

• Check: Present your check to the cashier along with a valid government-issued ID.

• Target GiftCard: Provide the cashier your gift card to scan or manually enter the card number.

• Target Wallet: Open the Target app and select the card to use. Tap your phone on the card reader.

• Order Pickup/Drive Up: Order and pay online, then simply head in-store or drive up and let the staff know you’re there to pick up your order.

How to Pay a Target Credit Card Bill

To pay your Target REDcard credit card bill, you have several options:

• Online – Log into your credit card account on Target.com. Click “Make a Payment” and enter your payment details.

• Mobile app – Open the Target app and tap on “Wallet”, select your REDcard, then tap “Make a Payment”.

• Phone – Call 1-800-659-2396 to make a payment via Target’s automated system, available 24/7.

• Mail – Send a check or money order payable to Target Card Services with your account number to:

  Target Card Services
  P.O. Box 673
  Minneapolis, MN 55440

• In-store – Make a payment at Guest Services in any Target store.

• Set up autopay – Log into your account online and set up recurring automatic payments each month from your bank account.

Be sure to pay at least the minimum due on time each month to avoid late fees and interest charges. Setting up autopay is an easy way to make sure your payments are always on time.

How to Pay a Target Debit Card Bill

To pay your Target debit card bill, you have a couple options:

• Online – Log into your checking account that’s linked to the debit card and make a transfer or schedule a bill payment to your Target debit card.

• Phone – Call the number on the back of your Target debit card to speak with a representative who can take a payment over the phone.

• Mail – Make a check payable to your debit card account number and mail it to the address provided on your statement.

• In-store – Head to any Target store and make a payment on your debit card at Guest Services.

• Automatic transfers – Set up automatic transfers from your checking account to the Target debit account to avoid forgetting payments.

Be sure to pay your total debit card balance in full each month to avoid overdraft fees and other charges. Setting up automatic payments can help ensure you never miss a payment.

How to Pay a Target GiftCard Balance

To pay off a Target GiftCard balance, do one of the following:

• In-store – Bring your Target GiftCard to any Target store and add funds at the register or Guest Services desk.

• Online – Log into your Target.com account and register your Target GiftCard. Click “Reload Gift Card” to make a payment.

• Phone – Call 1-800-544-2943 to check your balance and make an automated payment over the phone.

• Target app – Open the app, go to “Wallet”, select your gift card, then choose “Reload Card” to make a payment.

When adding funds to a Target GiftCard, you can pay with any credit card, debit card, cash or another Target GiftCard. Reloading your card regularly allows you to keep using it for purchases.

Tips for Making Target Payments

Here are some useful tips when making Target payments:

• Save 5% by getting a Target REDcard and using it to pay.

• Review your receipts and keep payment records in case you need to look up details later.

• Sign up for Target purchase alerts and account notifications so you never miss a payment.

• Avoid late fees by setting up autopay through your bank account or credit card.

• Monitor Target GiftCard balances and reload promptly once the balance gets low.

• Opt for the Target Wallet in the app for easy contactless payments in-store.

• Take advantage of Target’s secure online payment portal to pay bills from anywhere.

With multiple payment options available both in-store and online, Target makes it simple to securely pay for your purchases. Following these tips and steps can help ensure your payments always go through on time.