Where Can I Pay My Discover Card Bill In Cash?

If you’re a Discover cardholder who prefers to pay your bill with cash, you may be wondering where you can go to make a cash payment. Unfortunately unlike other major credit card companies Discover does not have physical bank branches where you can walk in and pay with cash. However, there are still a couple options for Discover customers who need to pay their bill with cash.

Discover Does Not Accept Cash Payments In-Person

The first thing to understand is that Discover does not have any brick-and-mortar locations where you can go to pay your credit card bill in person with cash. Banks like Chase and Bank of America operate physical branches all over the country where you can make cash payments on credit cards they issue. But Discover is a bit different.

Discover is a credit card company and lender, but it does not have its own banking branches. Discover credit cards are issued by Discover Bank, but Discover Bank does not have retail bank branches So there is nowhere to physically go to make a cash payment on your Discover card.

This means you cannot:

• Go to a Discover branch and pay with cash
• Pay at an ATM
• Pay at a shared bank branch network like AllPoint

Discover simply does not have an in-person cash payment option. But don’t worry, there are still a couple ways to pay your Discover bill with cash, which we’ll explain next.

Option 1: Pay With Cash at Western Union

While Discover does not directly accept cash payments, they do enable customers to make cash payments at Western Union locations.

Here’s how it works:

• Go to any Western Union location, which you can find on their website at https://locations.westernunion.com/. Western Union has thousands of agent locations all over the US and internationally.

• Inform the Western Union agent you want to make a cash bill payment to Discover.

• Provide your Discover card account information and the amount you wish to pay.

• The Western Union agent will process the transaction and take your cash payment.

• Western Union will transmit the funds to Discover, usually within minutes.

• Discover will then credit your account with the payment, typically within 24 hours.

So while it’s not as seamless as paying directly at a Discover branch, using Western Union is a reliable way to pay your Discover card bill with cash. The funds are transmitted quickly and your payment posts to your account within a business day.

The downside is that Western Union does charge a fee for this service, which varies based on amount sent but is usually around $5-$10. Still, it’s the best option if cash is your only payment method.

Option 2: Use a Prepaid Debit Card

Another potential option is to use a prepaid debit card to pay your Discover bill online. Here’s how this works:

• Purchase a prepaid debit card from a store and load it with cash. You can get prepaid cards from retailers like CVS, Walgreens, Walmart, etc, and load any amount of cash onto it.

• Register the prepaid card and obtain the account number and routing number.

• Use that card information to make a payment on your Discover account online. Log into your account, select to make a payment, and provide the prepaid card details.

The downside to this method is you have to purchase the prepaid card first and load it with enough cash to cover your payment. And there may be fees to purchase, load, or use the card. But it does enable you to pay your Discover bill with cash without visiting Western Union.

Why Can’t I Pay Discover In Cash?

The reason Discover does not accept cash payments directly is that it lacks the retail infrastructure that other banks have. As mentioned, Discover does not operate any physical bank branches. And it has limited relationships with other banks.

Banks like Chase and Citi issue cards but also have large branch networks. This enables them to accept cash payments easily. They can take cash at thousands of locations around the country.

Discover, on the other hand, has no branches. And it has not partnered with other banks to allow payments at their branches either. So the only way someone can pay Discover with cash is through a third-party like Western Union.

Essentially, Discover is more of a digital credit card company. They offer online management and digital payments. Operating retail branches to handle cash just isn’t part of their business model.

So for the time being, Discover cardholders will have to rely on alternatives like Western Union when they need to pay their bill with cash. Unless Discover forms more bank partnerships in the future, cash payments will remain inconvenient – but still possible through third parties.

Tips for Paying Your Discover Bill With Cash

If you need to pay your Discover credit card bill with cash, here are some tips:

• Locate your nearest Western Union agent location and check hours and services. Many are in convenience stores, check cashing stores, supermarkets, etc.

• Ask the Western Union agent to process a bill payment to Discover and provide your Discover card account number and amount to pay.

• Know that Western Union charges a fee for the service, usually around $5-$10 depending on amount sent.

• Keep your receipt as proof of payment in case there are any issues with Discover receiving the funds.

• Payments made before 2 PM Eastern on bank business days normally reach Discover the same day. Payments after 2 PM or on weekends/holidays may take an extra day.

• Consider loadable prepaid debit cards as an alternative if you don’t want to use Western Union. Just be aware of purchase and usage fees with these cards.

• Call Discover customer service if your Western Union payment is not credited to your account within 2 business days.

So while not the most convenient option, paying your Discover bill with cash is definitely doable. Just utilize nearby Western Union locations or prepaid debit cards, and your cash payments can be made quickly and easily.