SoFi Credit Card Card Payments

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You have multiple options when it comes to making a credit card payment. The preferred method is through the web or mobile app, but you can also make payments by speaking to a customer service agent or mailing your payment.

 

Please refer to your cardholder agreement for detailed terms and conditions on how to pay. Payments must be made using a personal checking/savings account or by check. Debit cards and wires cannot be used at this time. When a payment is credited and posted depends on the payment method used and the time of day the payment is submitted. Refer to the following payment processing timelines:

 

Payment Processing Timelines

 

 

Payments made from:

  • SoFi Bank/Money same day via Web or Mobile App:



Payments made from:

  • SoFi Bank/Money via Agent, or Future Scheduled
  • Non-Sofi Account
  • Autopay

Payments made from:

  • Check or Bill Pay
When Will my payment post?

Payment made before 5:00 PM ET, Sun-Fri » post/reflect the same night

 

Payment made after 5:00 PM ET, Sat-Thurs » post/reflect the next night

 

Payment made after 5:00 PM ET, Fri » post/reflect on Sunday night

Electronic Bill Pay: Within 1-2 business days. 

 

Note: Bill pay sent by check may take up to a week or more to arrive at the SoFi address. Posting timeframes will apply once received.
When will my Credit Card balance reflect my payment?
When will my Available Credit update? Payment will instantly increase the available credit.

Can take up to 7 business days to adjust after payment posts.

Can take up to 7 business days to adjust after payment posts.
When will the payment be taken out of my account? 1-3 business days from posting date

 *The Sofi/Money Bank account must be on the same profile as the Credit Card.

 

Make a Payment Menu

You can access the Payment menu by clicking/tapping on the Pay widget in the SoFi Credit Card web browser or mobile app. From there you will have options to make a payment, schedule a payment, set up autopay, and link/remove payment accounts.  See below:

 


1. AUTOPAY: You can enable/disable the autopay feature with this option. You will have the option to set autopay for Full Statement Balance or Minimum Due each month. You will also choose or add a payment account from which the payment will be debited.

 

2. CUSTOM PAYMENT AMT: Update the one-time payment amount and select the desired payment date

 

3. PAYMENT OPTIONS: Choose between pre-determined payment amount options. Options will only show if the balance has not yet been satisfied for the current cycle.

 

4. PAYMENT DATE: You can schedule same-day or future payments. Choose the date you wish the payment to be processed.

 

5. PAYMENT ACCOUNT: Use this option to add/remove or change the payment source being used. If it’s the first time you’ve added an account, follow the prompts to connect your account through Plaid - our banking data integration partner.

 

Additional Payment Questions

 Can I cancel a payment?

  • If you wish to cancel a payment, you will need to call our customer service team at (844) 945-SOFI (7634). Payments made from non-SoFi accounts can be canceled up to 5 PM ET on the payment date (except for the following scenarios).
    • Limitations:
      • Payments made from a SoFi account are debited instantly and cannot be canceled.
      • Autopayment can only be canceled if the request is before 5 PM ET the day before the payment date.
      • We can NOT cancel mailed checks by members or through bill pay on behalf of the member. Please contact the party or financial institution issuing the check to cancel it.

How do I change my payment due date?

  • If you wish you change your due date, you will need to contact our customer service team at (844) 945-SOFI (7634). 
    • Note:
      • Due dates may only be changed once every 12 months.
      • The account must be current for the due date change to take effect.
      • Only the Primary cardholder can make the request.
      • Billing Cycle changes may take 1-2 billing cycles to take effect, it is important to keep making your regular scheduled payment until you see the new due date has taken effect.
      • If you have signed up for autopay, your auto payment date will always be the same date of your permanent due date. 

Can I make a payment from a SoFi Bank/Money vault? 

  • No. Payments must come from a spend account; and can NOT be debited from your vaults. If you intend to make your payment with a SoFi Bank/Money account, you need to transfer money out of the vault and into the payment account first. 

What is the mailing address to mail check payments?

  • SoFi Bank, N.A.
    PO Box 981075
    Boston, MA 02298-1075

Note : To make sure your payment processes as quickly as possible, please ensure your SoFi Credit Card account number is written on your check’s memo line.


Also, please ensure you,
Only include one check per statement
Don’t use staples or clips
Don’t fold checks
Don’t send cash

 

Can you refund a payment? 

  • At this time we do not offer refunds for payments, unless the payment results in a negative credit balance exceeding $1.00. This can be the result of overpayment, returned items, or reversed fees. A customer with a negative credit balance can request a refund for the amount of the credit balance, if it exceeds $1.00, or the system will generate one if the credit remains on the account for 150 days.  



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