How to Pay Bills With A Credit Card

ChargeSmart is the most secure, convenient way to pay bills online with a credit or debit card. ChargeSmart customers are able to fund their payments by using any of our accepted cards, which are currently Visa, Mastercard, Discover, and American Express (utility payments only). We use a simple four step payment process which takes less than four minutes to complete on average, and employ industry leading security measures to ensure your privacy is protected.

Step 1) Tell us about your payment

Select the correct category of the company you want to pay (such as auto, utility, or mortgage). Be ready to provide the name of the company you'd like to pay, the mailing address where you would send a payment, your account number with the company being paid, and the amount you wish to pay. Be assured that your payment information is safe and secure.

Step 2) Tell us about you

ChargeSmart prides itself on making payments simple. All we need is some basic information about you, such as name and email address, so that we are sure you get the credit you deserve for your payment. If there are any issues with your payment, we will contact you by phone or email, so be sure to provide up-to-date information.

Step 3) Select a payment method

Many companies offer a limited amount of direct payment options. At ChargeSmart, you are able to pay with a debit or credit card to each of the companies in our network. Simply enter the basic card information and prepare to earn more reward points and flexibility than ever before. ChargeSmart uses high-grade SSL encryption and bank-level security measures to be sure your payment is secure.

Step 4) ChargeSmart delivers your payment

Before submitting, please review your payment to be sure that all of your payment details are correct. Click "Submit" and ChargeSmart will deliver your payment via electronic ACH transfer. Your payment will post to your account within 2-3 business days, on average. If you ever have any questions, concerns or feedback about your payment or the payment process, feel free to contact us by emailing support@chargesmart.com.