Bill Me Later was a payment option offered by PayPal that allowed customers to make purchases online or in stores and pay the balance off over time with fixed monthly payments In 2018, Bill Me Later was rebranded as PayPal Credit If you previously had a Bill Me Later account, this is now your PayPal Credit account.
PayPal Credit works similarly to Bill Me Later – it allows you to make purchases and pay the balance off in fixed monthly payments. One key difference with the transition to PayPal Credit is that customers can no longer pay their bill directly over the phone.
In this article, we’ll walk through why phone payments are no longer accepted for PayPal Credit accounts, as well as the various ways you can pay your PayPal Credit bill if you previously relied on Bill Me Later’s pay by phone option.
Why Phone Payments Ended for PayPal Credit
When PayPal transitioned Bill Me Later to PayPal Credit in 2018 one of the main changes was removing the ability to pay your balance by calling in. Here are some key reasons phone payments are no longer supported
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Streamlining services – PayPal likely discontinued phone payments to consolidate services and reduce costs of maintaining phone agents.
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Encouraging online account management – PayPal wants customers to manage accounts digitally for faster payments and self-service options.
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Increasing online payment security – Phone agents cannot verify identities as securely. Online payments offer more fraud protection.
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Push towards autopay – PayPal Credit encourages setting up autopay from bank account for ease of recurring payments.
While the end of pay by phone provides some benefits for PayPal, it has been an inconvenient change for some customers used to paying their bill over the phone quickly and easily.
Ways to Pay Your PayPal Credit Account
If you relied on Bill Me Later’s pay by phone option, it may take some adjustment to switch to one of the new payment methods for PayPal Credit. Here are your options:
Pay Online Through Your PayPal Account
- Fast and secure way to pay if you have a linked PayPal Credit account.
- Log into your PayPal account and schedule a payment to PayPal Credit.
- Payment will pull from your PayPal balance or bank account linked to PayPal.
Pay Online at PayPal Credit Website
- Make one-time or recurring payments directly on PayPal Credit website.
- Link checking or savings account to make quick online payments.
Pay by Mail
- If you don’t want to pay online, you can mail a check or money order.
- Include your PayPal Credit account number, found on your statement.
- Send to: PayPal Credit, P.O. Box 105658, Atlanta, GA 30348-5658
Setup Automatic Payments
- For hassle-free recurring payments, enroll in autopay.
- PayPal Credit will pull your monthly payment from a bank account automatically.
- Be sure autopay date aligns with your pay schedule.
Use a Bill Pay Service
- Use your bank or bill pay app like Willow to schedule PayPal Credit payments.
- Add PayPal Credit as payee in bill pay and schedule payments.
- Enter your account number to ensure proper crediting.
While the era of effortlessly paying your Bill Me Later balance over the phone has passed, PayPal Credit still offers reliable ways to pay online or by mail. Take time to explore which method fits best into your monthly finances.
Tips for Paying Your PayPal Credit Bill Without Phone Payments
Switching from Bill Me Later’s pay by phone convenience to PayPal Credit’s online payment system can take some getting used to. Use these tips to make the transition go smoothly:
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Update payment reminders – If you relied on bill reminders by phone, set new calendar or app reminders for PayPal Credit due dates.
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Pay early – Don’t wait until the due date. Pay a few days early to avoid late fees.
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Check statements regularly – Log into your PayPal Credit account online routinely to review statements and see minimum payments.
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Set payment alerts – Many banks let you set email or text alerts when bills are paid so you can stay organized.
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Link accounts – Having your PayPal and PayPal Credit accounts linked makes online payments quicker.
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Autopay for continuity – If you’re forgetful about payments, use autopay for assurance your bill gets paid on time every month.
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Look into money management tools – Apps like Willow let you pay bills easily and can remind you of approaching due dates.
With a bit of adjustment to your routine, paying your PayPal Credit bill without the phone pay option can become second nature. Be proactive by looking into tools and resources that will make the transition smooth.
Contact PayPal Credit Customer Service With Payment Questions
If you have any issues making payments through the online or mail methods offered by PayPal Credit, you can contact their customer service department for assistance:
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By phone: Call 1-866-528-3733 to speak with a PayPal Credit agent.
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By email: Send customer service emails to paypalcredit.com/emailus.
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Through social media: Message @AskPayPal on Twitter or Facebook.
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Within your PayPal Credit account: Click “Message Center” and email customer support with questions.
When you reach out to a PayPal Credit representative, be ready with:
- Your PayPal Credit account number
- Details of the issue you’re experiencing
- Payment confirmation numbers if applicable
- Ideal resolution you’re seeking
The customer service team can walk you through troubleshooting payment problems, provide bill payment options tailored to your needs, explain autopay setup, reset passwords, confirm payment receipt, and more.
While Bill Me Later’s pay by phone feature offered a quick and easy way to pay your bill, PayPal Credit still provides reliable options to pay online, by mail, or through automated payments. Reach out to customer service if you need any assistance adjusting to the new payment methods.
Access a powerful shopping network
Pay with PayPal Credit, and get 6 months special financing on purchases of $149+ at millions of online merchants that accept PayPal. Subject to credit approval. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum Monthly Payments required. See terms.
We’ve got your back
Check out confidently and securely with PayPal Credit.
Youre covered by PayPal for eligible purchases you dont receive or if something shows up significantly different than described.3 Terms and limitations apply
Get some financial relief in the case of disability, hospitalization, unemployment, and other covered events. Terms apply.4
How to Pay with Bill Me Later Through Paypal
FAQ
Is bill me later the same as PayPal Credit?
PayPal Credit, which used to be called Bill Me Later (BML), is a buy-now, pay-later payment option that can be used on many US retailer websites, such as those of Wal-Mart, Home Depot, USPS, and eBay. The site provides consumers with a line of revolving credit through Synchrony Bank.
Can I pay my PayPal by phone?
Make a phone payment by calling us toll-free at 1-866-571-3012. There may be a $10 fee when you make a payment by phone and speak with a representative. When you use the automated system, you can use your bank account to make a payment for free.
What is Bill Me Later and how does it work?
Bill Me Later is a consumer credit product. What is Bill Me Later deferred billing? With deferred billing, stores can let customers pay for their purchases over time. One example would be offering six months’ financing with no interest charged.
Can you pay at mobile bill over the phone?
What is the late payment fee?
In this version of the PayPal Credit Terms and Conditions, the Late Payment Fee is explained. $50 if you haven’t made your minimum payment by the due date in any of the last six billing cycles. However, the Late Fee will never be more than the minimum payment that was due.
How do I split my bill payments?
The Zip app lets you split your bill payments in 4. 1. How do I pay my bills later with Zip? It’s easy to pay your bills later with the Zip app. Just follow your provider’s instructions to pay your bill. Tap “Pay with Zip” when you’re ready to submit your payment. What bills can I pay for later with Zip?.
Can I pay a bill later with ZIP?
Zip lets you pay later for any bill, whether it’s a sudden medical bill, a last-minute car repair, or an emergency trip to the vet. Download the Zip app and use Zip to make your bill payment in full. Your bill is paid by Zip. Can I use Zip to pay later for my bills? Yes!.
How do I use PayPal’s Buy Now Pay Later app?
Load up on cash back offers before you shop. Track your packages. And manage it all on the go. Use PayPal’s Buy Now Pay Later App to pay at your favorite retailers. Select a Pay Later offer at checkout, Pay in 4 or Pay Monthly, for qualifying purchases.
Should you buy now or pay later?
If you want to make purchases easier to handle by paying them off over time, buy now, pay later options are great. Get what you want right away and break the payments up over weeks or months. It’s your do-it-all digital wallet. Load up on cash back offers before you shop. Track your packages. And manage it all on the go.
Where can I use PayPal pay later?
Find PayPal Pay Later options at millions of online stores. Find out if you’re approved in seconds. Then pick the plan that works best for you. Do it securely in the app or online with the ease of autopay. Pay in 4 is available to use at millions of online merchant sites where PayPal is accepted.
