bill-me-later bills

Bill Me Later Bill

What to Do When You Can’t Pay Your Bill Me Later Bill

Bill Me Later is a virtual credit business started in 2000. In 2008, Paypal purchased Bill Me Later. Today, more than 1,000 merchants accept Bill Me Later payments. Customers receive a monthly invoice via mail or email, depending on the account used at sign-up. Payments are due monthly on the account like any other credit card, but no physical card is required as all purchases are made online through Bill Me Later merchants.

How to Pay the Bill

About two weeks after making your first Bill Me Later purchase, you will receive an invoice for the total amount owed. You can pay the minimum payment or the full purchase amount. There is a standard 19.9% APR on all purchases, so making minimum payments results in repaying a much higher amount then the original purchase.

Pay online: You can pay your Bill Me Later bill online at You must register for online account access. Bill Me Later accepts checking account and savings account payments only. You cannot make payment with credit or debit cards.

Pay by mail: Customers wishing to send a personal check or money order can address payments to:

Bill Me Later
PO Box 105658
Atlanta, GA 30348-5658

Pay by phone: Phone payments are accepted through an automated system at 1-866-528-3733. Checking and savings accounts are the only method of payment accepted by phone.

Pay with bank bill pay: You can use the mail payment address to send payment from your bank to Bill Me Later. There could be a significant delay so past due accounts should not use the banking bill pay option.

Questions About Your Billing Statement or Account?

The Bill Me Later service works like a credit card without access to a physical card. There are multiple fees associated with the service. The Frequently Asked Questions page talks about annual fees, APR and other billing questions. You can reach the customer service department at 1-866-528-3733.

How the Penalty Fees Work

Bill Me Later works just like a credit card without the credit card. Customers charge purchases and then pay the balance off over time. If payments are late or check payments are returned for lack of funds, penalty fees are charged to your Bill Me Later account.

  • Late payment fee: If your balance is $25 or less, the late payment fee is $5. If you balance is more than $25, the late payment fee is up to $35.
  • Returned payment fee: Bill Me Later will charge your account up to $35 for a returned payment.

I Can’t Make a Payment

If you can’t pay your Bill Me Later bill contact customer service immediately at 1-866-528-3733 or mail correspondence to:

Bill Me Later Correspondence
PO Box 2394
Omaha, NE 68103-2394

You can also send a secure email to Bill Me Later, but you must have online account access to send this email. Bill Me Later may have payment plans to address overdue or past due balances, but nothing about these programs is listed on the official website.

Will They Work With Me to Pay My Bill?

Have you used the Bill Me Later program to charge purchases and then found you charged too much? Let us know how customer service worked with you to resolve a past due balance.

27 Comments on “Bill Me Later Bill
  1. hi, bill me later yes I order a hp desktop computer from and I ask you to pay for it and I known I need to mak a payment of 350.83 well I got no income right now at the time I did had a income from SSA OFFICE they where giving me a ssicheck of 595.00 and now they stoped sending it to y wells fargo bank account on june 2013 I called up wells fargo bank and nothing was send to my account not good huh I need you to wait tell I can send some kind of payment to you by april or may I will be getting a new job by them ok sorry but I can’t be sendsing any paymeny by 02/22/2014 there is no way I will ave any cash to send a payment by then sorry

  2. hi,i got this hp desktop fro walmart and I can’t make a payment at all by 02/22/ 2014 I have no income anymore at the time now I did hada income from SSA OFFICE and some reason they stoped my ssicheck and I got nothing now so i’am sorry to tell you this but I can’t send any payment at all tell I get my new job by april and in the middle of april I can send mybe a payment by then

  3. I like the valuable info you supply on your articles.
    I will bookmark your weblog and test again here frequently.
    I am relatively certain I will learn lots of new stuff
    right right here! Best of luck for the next!

  4. I have made several attempts to pay off my bill. I have ask for a pay off number they tell me it is the same as my balance. Not very customer friendly. Due to circumstances beyond my control I was not able to pay the loan off in the 6 months interest free. It appears if you miss this window they are not willing to work with you. It is just your problem. I would not deal with them again!

  5. I paid my Bill Me Later bill on PAYPAL site where I viewed my account amount. Did my payment reach Bill Me Later it was paid on 8/10/14?I paid the total amount, $259.53, but had mailed a check for $49.00 that had not been taken out of this amount yet. Where can I view just my bill me later purchases and the amount owed each month?

  6. How on earth are expected to pay on line? User ID or password do not work. I have tried for 2 weeks. Please send me a paper statement. Thanks.

  7. I have a Bill-Me-Later account and a PayPal account. I would like to receive an invoice for my Bill-Me-Later account. Please send it to my email address or mail it to me
    Thanking you in advance,
    Sharon P. Huffman

  8. I have been trying to set up my banking account for over a month now and it says can’t set it up try later and now I have a late fee charged what is going on with this how can I pay online when I can’t even set anything up.

  9. Debt ballooned with intrest. Owe over $5k now. was paying onit unitl it got to be too much. Was my 1st credit line ever. I am not paying anymore because I can’t. I will just have to take a hit on my credit. I advise please do not use paypal credit formerly called Bill Me Later. Paypal is a bunch of crooks too. I dont; accept returns made a personal sell of an item & the buyer knew it was final sale & it was as described but because they had such buyer’s remorse paypal sided with them & forced a refund amoutn that I no longer had because it was final sale. Now negative in my paypal account too as well paypal credit debt. I hate Paypal, because with Paypal, you’re rally gonna pay pal!!!!

  10. I can’t access my bill me later account because it is linked to my wifes paypal account because of her email address. please tell me how I can pay this online now. I received a late fee because I can’t access my account through Bill Me Later.
    Please email info to email account above so that it can be unlinked with paypal and just access through bill me later.

  11. I tried 2 use my credit card but 2 no avail so I tried 2 send from my bank that didn’t work either.then I lost my job but had tax money comin back I called and told them I would pay when I got that,so I sent in 150.00dollars n feb ,still gitin harassed on the phone,now I got another bill and another late payement,and I still don’t no if they even got the first 150 I already sent,bill me later never done me like this I got all my stuff payed even a little late,never got harassed like do I find out if u all got the first 150 & how much do I really oue now so I can clouse this account and never use it again please.

  12. Howdy excellent blog! Does running a blog like this take a
    massive amount work? I have no expertise in computer programming however I was hoping to start my own blog in the near future.

    Anyway, if you have any recommendations or tips for new blog owners please share.
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  13. I would like to know how I can pay off my Bill Me Later account and close it. I don’t feel it was bright to remove it from the Paypal account information page, where it has been for years…… very frustrated.

  14. How can an entity like Pay Pal or Bill Me Later create such an absurdity or stupid process so that honest hard-working people cannot possibly pay their bills. It used to be so simple. Now it a real headache to go on line and get totally frustrated trying to send money to people you owe. When and if I ever get this straightened out, they will be DUMPED!!!!!

  15. I opened pay pal act in October and received a paper bill in November,which at the time paid act. In full. I did Christmas shopping buying several items. However, I did not receive a December or January statement to pay bill. I have been unsuccessful in accessing account to pay bill online. In addition I prefer to mail my payments with a paper statement. On the 7th I obtained a money order for what I thought the payment would be. I have it filled out and in an envelope to mail but do not have an address to mail because I didn’t get statements for 2 months! I have my copy of my paid November transaction but it does not have an address on it. I generally do not keep my envelopes. This is my first experience like this. Now I am trying to keep. My account in good standing’s but out of control to do so. I figure I will receive late fees and interest like above comments. However, I would prefer a positive outcome with my Pay Pal experience. Please send me a billing address as well as regular paper statements timely each month. In addition, please see what is preventing me from accessing my account online. Thank you!

  16. I used Bill me later for many years. I loved the fact that I can pay a little each month and then pay off by the due date. I always paid my bill on time. I was a very good customer for many years. I used bill me later for airline tickets every few months.
    I have no idea what has happen since Pay pal took over. I have received the run around from pay pal customer service reps. They advised me that the new procedure with paypal is adding a credit card to the account when you make a purchase. Bill me later was not like that. Bill me later was the credit to make the purchase. If I have to give paypal my credit card, I might as well just do it myself. Which has been the case. It to bad that a customer with good credit gets thrown to the wayside.

  17. I can’t pay my “bill me later” account since the change to Paypal. I keep getting calls with recording to call back to a 1800 number and the first question is my birthdate, not going to answer that. Fix my account so I can pay my bill.

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