Payment FAQs

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• One Time Payment
  • One-time payment option
  • Available 365 days of the year including weekends and holidays
  • Payment will be credited the same day if submitted before 8:00pm EST
  • FREE service

• Recurring Payment
  • Can be scheduled up to 365 days in advance including on weekends and holidays
  • Automatic deduction of payments in a fixed amount on the days you selected
  • FREE service

• Is the Online Bill Pay Service safe, secure and reliable?
  Our Online Bill Pay Service utilizes state-of-the-art security, using the following methods to ensure your protection:

  • SSL: The Online Bill Pay Service uses SSL (secure sockets layer) which ensures that your connection and the information are safe from outside inspection.
  • Encryption: The Online Bill Pay Service uses 128-bit encryption to make your information unreadable as it passes over the Internet.

  Automatic Sign Out: In addition, the Online Bill Pay Service automatically logs you out of a session if you are inactive longer than a pre-defined period of time (usually 10 minutes), and you are required to log in again to continue with the session. It is best if you log out immediately after making your payment.

• Why did my Online Bill Pay session timeout?

  We provide state-of-the-art security on our website, so as a means of protecting your privacy, we have set the system to timeout if there is no activity for at least 10 minutes.

• How do I cancel the Online Bill Pay Service?
  • Exit this FAQ page.
  • Go to the Make a Payment box that is located in the middle of the Payments page and click the "Unenroll Bill Pay" link.
  • Click the "Cancel Online Bill Pay Service" link.
  • Your service will be immediately deactivated. You will need to re-enroll if you would like to use the service in the future.

  When you cancel your service:

  • Any payments made using the Online Bill Payment Service with a "Scheduled" status will be cancelled.
  • Any payments with an "In Process" status will be paid from your Bank Account on the date you requested.

• How do I check the status of my Online Bill Pay payment?
  • Exit this FAQ page.
  • Go to the Make a Payment box that is located in the middle of the Payments page.
  • Click on the "Check Payment Status" link.

One Time Payments

• How do I make a one time payment?

  • Log into your credit card account using Online Account Access.
  • Click the "Pay My Bill" button from the Make a Payment box.
  • Enroll into Online Bill Pay if you haven't used the service previously.
  • Select "One-Time Payment" option under "Payment Type".
  • Enter your payment date and payment amount and click the "Continue" button.
  • Verify your payment and click the "Submit" button to complete the request.
  • You'll then receive a confirmation number.

• Is there a fee to use the One Time Payment option?

  No, there is no fee to use the One Time Payment Service.

• How does the One Time Payment Service work?

  The One Time Payment option allows you to conveniently make, change and cancel payments from any computer without the hassle of checks and stamps.

  
  

  • You must initiate each payment.
  • The service electronically deducts the payment from your checking or money market Account.
  • You must enter your payment into the system prior to 8:00pm on the bill's due date to guarantee timely receipt
  • You can also schedule recurring payments for your convenience, where payments are automatically deducted from your bank Account. There is no fee for this service.

• Does the One Time Payment Service work with all types of banks and Accounts?

  Only checking and money market Accounts that are electronic funds transfer (ACH) eligible may be used to make payments through the Online Bill Pay Service.

  If a savings Account is used, your Bill Payment enrollment may be canceled.

  Please contact your bank to confirm that it accepts electronic debits from a bill pay service before enrolling.

• Can I use multiple bank Accounts to pay my credit card bill with the One Time Payment Service?

  Yes. You can use up to three bank Accounts to make your payment online.

• When I sign up my bank Account for the Online Bill Pay Service, what information will I need to provide?
  

  • A valid ABA routing number that is electronic funds transfer (ACH) eligible. This number is located on the bottom of your check.
  • Your checking Account number, which is also located at the bottom of your check.

• When will the payment show on my credit card Account Overview screen?

  Payments will appear on your credit card Account Overview page, where you first logged in, approximately two business days after the date you selected your payment to post.

• When is the payment deducted from my Bank Account?
  Your payment will be deducted from your Bank Account on the date that you entered in the "Payment Date field." To view this payment date:

  • Exit this FAQ page.
  • Select the "Check Payment Status" link from the Make a Payment box located on the Payments page.

• How soon will my Online Bill Pay Service update my available credit?

  Your credit is usually available on the day your payment appears on your credit card account. However, in some cases, it may take up to 14 days for your available credit to be updated.

• What should I do with the paper statement and payment coupon that is mailed to my home?

  You do not need to use your payment coupon when using the Online Bill Pay service. You may either keep the statement and payment coupon for your records, or shred and discard them.

• How do I confirm that my payment was processed?
  • Log into your credit card account using Online Account Access .
  • Select the "Check Payment Status" option from the Make a Payment box that is located in the middle of the Payments page.

• What should I do if my payment was unsuccessful?
  An "unsuccessful" status usually indicates that we were unable to deduct your payment from the Bank Account on file.

  • Log into your credit card account using Online Account Access.
  • Select the "Update Banking Info" link from the Make a Payment box located on the Payments page.
  • Verify that your Bank Account information is correct.
  • If your Account information is correct and sufficient funds are available, make a new payment by clicking the "Schedule a Payment" link on the left side of the page.
  • If your payment is unsuccessful a second time, .

Recurring Payments

• How do I set up a recurring payment?
  • Log into your credit card account using Online Account Access.
  • Click the "Pay My Bill" button from the Make a Payment box.
  • Enroll into Online Bill Pay if you haven't used the service previously.
  • Select "Recurring Payment" option under "Payment Type".
  • Enter your payment date, payment amount, and the number of payments, and then click the "Continue" button.
  • Verify your payment and click the "Submit" button to complete the request.
  • You'll then receive a confirmation number.

• How far in advance can I schedule out my recurring payments?

  You can schedule your payments up to 365 days in advance. There is no fee for this service.

Edit/Cancel Payments

• Can I cancel my scheduled recurring payments?

  Yes, you may cancel any recurring payment that has a "scheduled" status at any time. You will then need to log in and pay your Account with the One Time Payment service each month.

• How do I change or cancel payments?
  • Exit this FAQ page.
  • Go to the Make a Payment box that is located in the middle of the Payments page and click the "Edit/Cancel a Payment" link.
  • To change or cancel a payment, click Edit or Cancel, next to the payment shown. Only payments made using the Online Bill Payment Service with a "Scheduled" status can be edited or cancelled.

  Edit/Cancel Payments

  Status	Definition
  Scheduled	Payment will be received on the date shown.
  In Process	Payment is being processed and will be received on the   date shown. This payment cannot be edited or cancelled.
  Processed	Payment was successfully processed on the date shown.
  Cancelled	This payment was cancelled. It will not be processed.
  Unsuccessful	We were unable to deduct your payment from the bank Account   you provided.

• What is the cut-off time to edit/delete a One Time Payment?
  The deadlines to cancel or edit a One-Time online payment are:

  • Payments made before 3 pm ET, can be edited or cancelled on the same day until 3 pm ET.
  • Payments made between 3 pm ET to 8 pm ET, can be edited or cancelled on the same day until 8 pm ET.
  • Payments made after 8 pm ET, can be edited or cancelled by 3 pm ET the next day.
  • Payments made to post in the future can be edited or cancelled by 3 pm ET on the day they were scheduled to post.

Payment Posting Timeframes

• How long does it take to process my One Time Payment or Recurring Payment?

  Please refer to the chart below.

  Payment Posting Times

  Cut Off Time1 Before 4 p.m. EDT	Payment Date2	View Payment Online3
  Monday	Monday	Wednesday
  Tuesday	Tuesday	Thursday
  Wednesday	Wednesday	Friday
  Thursday	Thursday	Saturday
  Friday	Friday	Tuesday
  Saturday	Saturday	Tuesday
  Sunday	Sunday	Tuesday

  1. Cut Off Date: Time that you submitted your Payment Request.
  2. Payment Date: This is the Earliest Day a Payment Can be Applied*.
  3. View Payment Online: This is the Earliest Day a Payment can be Viewed Online.
  *One-Time and Recurring payments are processed 365 days of the year including weekends and holidays.

• Can I schedule a payment to post on a weekend or a holiday?

  Yes, One-Time Payments and Recurring Payments can be processed on a weekend or a holiday.

Payment By Phone

• Will I be able to view a payment I sent in the mail?

  You can view payments made via check on your Account Overview page once posted.

• What is an Automated Telephone payment?

  This is a payment that was scheduled using our voice response system available via the Customer Service number provided on the back of your card.

• If I want to edit or cancel a Customer Service assisted payment, what can I do?

  Only payments made via the Online Bill Payment Service can be updated online. For all other payments, please refer to the Customer Service number provided on the back of your card.

• If I want to edit or cancel a Automated Telephone payment, what can I do?

  Only payments made via the Online Bill Payment Service can be updated online. For all other payments, please refer to the Customer Service number provided on the back of your card.

• How can I check a payment I made using the Automated Telephone system?

  Go to the "Payments" tab and click on the "Check Payment Status" link in the Payment Service Box. You will be able to view the payment there. Automated Telephone Payments have a telephone icon next to them.

• How can I check a payment I made with the help of a Customer Service Representative?

  Go to the "Payments" tab and click on the "Check Payment Status" link in the Payment Service Box. You will be able to view the payment there.

• What is a Customer Service assisted payment?

  This is a payment that is scheduled with a Customer Service Representative.

Direct Mail Payment Information

• Payment Addresses:

  Payment Address:
  HSBC Card Services
  PO Box 60102
  City of Industry, CA 91716-0102
  
  Overnight Address:
  HSBC Card Services Inc.
  ATTN: Exception Dept
  1301 E. Tower Road
  Schaumburg, IL 60173