Making a payment
There’s a range of ways you can make a payment.
In your Jaja app and online servicing you can set up and manage your Direct Debit to make regular payments, or make an immediate debit card payment. If you choose not to use the app and online servicing, all the ways you used to pay with your Post Office Credit Card are still available.
Pay your Jaja Credit Card through your bank
If you pay your Jaja Credit Card bill through another bank or you have a standing order set up, you will need to use our new payment details and reference your 16-digit Jaja Credit Card number.
Sort code: 40-05-30
Jaja account number: 84603613
Payment reference (beginning 461807): Your 16-digit Jaja Credit Card number*
*IMPORTANT: Your payment may not reach us if your payment reference is not correct. Enter the number printed on your credit card without spaces or dashes i.e. if the number printed on your card is 4618 0712 3456 7890, your payment reference would be 4618071234567890
We will apply the funds to your card account on the working day we receive them. Please check with your bank when we will receive your payment. We recommend you allow at least 1 working day for your payment to reach us.
Pay in the app or online
By Direct Debit
Set up a Direct Debit to make automatic credit card payments each month. In the app or online servicing select Payments on your Card tab, then choose either a set monthly amount (fixed cap payment), the minimum payment or the full amount to be paid.
Once a Direct Debit is in place, your monthly payment will be credited to your credit card account on your payment due date. The money will be collected from your bank or building society by the next working day.
If you are not the only person authorised to make payments from your nominated bank account, we will require a Direct Debit mandate form with a signature from any other authorised person.
You can also set up and manage your Direct Debit by speaking to our Customer Service team.
By debit card
You can make a one-off payment with your debit card. In the app or online servicing select Payments on your Card tab, then choose an amount to pay.
You can also make a debit card payment towards your credit card using our automated service.
Pay over the phone by automated service
To pay over the phone by automated service at any time by call 0345 646 0798* and select ‘1’ for Customer Services followed by ‘1’ to Make a Payment. Make sure you have your credit card to hand when you call us.
We will apply the funds to your card account on the working day we receive them. We recommend you allow at least 2 working days for your payment to reach us.
Pay in a UK bank or Post Office
If you receive a paper statement, complete the payment slip on your monthly statement and take it with cash or cheque payment to any UK bank or Post Office.
Please allow at least 6 working days for payment to reach your account. Some banks may charge for this service.
If you’ve got a UK debit card and you’re overseas, it’s still possible to make credit card payments.
To make an overseas credit card payment, you can use our automated phone service or make a payment using the app or online servicing. Otherwise, most banks outside the UK should be able to arrange a SWIFT payment to us. You’ll need to provide:
Please use your 16-digit credit card number found on the front of your credit card as the payment reference.
If you are calling from abroad, please dial +44 117 456 9834
Important things to remember when making credit card payments
Time it right
If your credit card payment due date falls on a Saturday, Sunday or bank holiday, these are classed as non-working days, so you may need to allow extra time for your payment to reach us.
Check your statements
It’s important to check your credit card statement each month, not only to spot transactions you don’t recognise, but also so you know what you need to pay and if there are any changes to your account. Look out for:
- Outstanding balance - this is how much you owe on the date your statement was produced.
- Minimum payment due - if you can, try to pay more than the minimum to clear your balance faster.
- Payment due date - if your payment is late, you’ll be charged a fee and could lose any promotional offers.
- Interest rates - the rate of interest for each type of transaction, e.g. card purchases or cash withdrawals.
In most cases, you’ll be charged for going over your agreed credit limit. You may also be charged if a payment of at least the minimum amount doesn’t reach your account before the due date detailed on your statement. These charges are covered in your credit card terms and conditions, so make sure you check them.
It’s important to keep track of your account, which you can do easily using the app or online servicing.
See down the page for payment FAQs.
Go to the app or online servicing and choose Payments on your Card tab. Once there, choose a payment type that suits you:
- Full payment
- Minimum payment
- Fixed Payment Cap
To see all of our FAQs, existing customers should head to the ‘Jaja Credit Card’ app or online service for further support information.
Simply make a chip & PIN transaction or activate through the Jaja app or online servicing.
Get practical guidance if you’re worried about how your finances might be affected by coronavirus.
Learn how to change your personal details, account settings and preferences online and in the app.
*0345 numbers may be part of the inclusive price plan provided by your phone operator, however please check before you call. Phone lines are open Monday to Friday 8am - 7pm, Weekends 9am - 5pm. Calls are recorded and may be monitored for security, quality control and training purposes.