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.

Through your bank

If you pay your credit card bill through another bank or you have a standing order set up, you will need to use our new payment details:

Sort code: 40-05-30
Account number: 84603613

Please use your 16-digit credit card number found on the front of your credit card as the payment reference.

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.

From overseas

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:

IBAN:
GB49MIDL40053084603613

BIC/SWIFT:
MIDLGB22

Payment reference:
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.

Avoid charges

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.

Set up a Direct Debit

Go to the app or online servicing and choose Payments on your Card tab. Once there, choose a payment type that suits you:

  1. Full payment
  2. Minimum payment
  3. Fixed Payment Cap

Helpful FAQs

To see all of our FAQs, existing customers should head to the ‘Jaja Credit Card’ app or online service for further support information.

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How do I make a debit card payment?
A debit card payment can made in your mobile app, through our website or by calling our Customer Service team.
How do I set up a Direct Debit?
This can be set up in your mobile app, through our website or by calling our Customer Service team.
Can I change my Direct Debit details?
Changes to your Direct Debit can made in your mobile app, through our website or by calling our Customer Service team. Depending on when you make this change, please be aware some changes may not take effect until your next statement.
Am I allowed to make manual payments if I have a Direct Debit set up?
Yes, absolutely. You can make manual payments at any time and these will typically result in a lower payment being collected by Direct Debit. Please be aware though, if you make a manual payment within 3 working days of your Direct Debit being collected, your Direct Debit amount may not be adjusted. We recommend you allow an extra working day for manual payments to take effect.
Can I change the bank details for my Direct Debit?
Yes, you can. Any change takes 5 working days so make sure you’ve left plenty of time before your payment is due to be taken.
Can I change the amount which is collected by Direct Debit?
Yes, you can. Any change takes 5 working days so make sure you’ve left plenty of time before your payment is due to be taken.
What type of payment methods are available?
A range of payment methods are available to you, including Direct Debit, debit card payment, Faster Payment, Bacs Credit, CHAPS and Swift. Please see the back of your monthly statement for more information.
What information do I need to include with my payment?
Please see the back of your statement for more information. You will need to include the sort code and account number of the account you are paying into, your 16-digit card number as a reference, and the amount you are paying.
How long will it take for my payment to reach my account?
The time it will take depends on the payment method you are using. You can schedule your Direct Debit to be paid on your due date. Depending on the time you send it, payments by debit card, Faster Payments, CHAPS and Swift should reach your account on the same day. BACS Credits should take 3 working days.
What happens if I paid too much?
If your payment takes your account into credit, a credit balance refund will be sent to your registered bank account.
Can I pay more than minimum payment?
Absolutely. You can pay any amount up to the outstanding balance on your statement.
My payment has been declined. What should I do?
In these circumstances, we advise you to contact your bank to determine the reason the payment was declined.
I didn’t make my minimum payment. What happens now?
If you don't make your minimum payment, a fee may be charged. Any amounts which you've missed will be noted on your monthly statement. You'll need to repay these amounts to bring your account back into good order.
Where can I find my payment due date?
You will be able to find your payment due date on your monthly statement, in your mobile app, through our website, or by contacting our Customer Service team.
What if I can’t make a payment by my due date?
If you're unable to make a payment by your due date, please contact our Customer Service team.
Show all FAQs

*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 Sunday 8am to 8pm. Calls are recorded and may be monitored for security, quality control and training purposes.