Payment FAQs

    Find answers to commonly asked questions about payments.



    What do I do if my payment is missing?

    Check and make sure you've allowed enough time for the payment to post to your account:

    • AutoPay payments are automatically deducted each month approximately three days before your due date.
    • Electronic check, credit card, payment center, or over the phone payments post in real-time.
    • Mailed payments post within seven days from the mail date.



    What can I do if I had a returned payment?

    Checking account or debit/credit card payments may be returned unpaid to T-Mobile for various reasons, regardless of the payment processing method (e.g., mailed, online, over-the-phone). When payments are returned, it means T-Mobile did not receive funds for the payment.


    Things to keep in mind:

    • Any bank fees that result from attempts to collect payment are your responsibility.
    • Your T-Mobile account will be prohibited from making Electronic Check Payments for at least 30 days.
    • Your checking account may be permanently prohibited if the checking account number used is invalid.
    • If you continue to have returned payments, you may be permanently blocked from making Electronic Check Payments and/or debit/credit card payments, and your service may be permanently disconnected.
    • The Primary Account Holder may receive a text message notification regarding the returned payment prior to any service interruption.



    What happens when my account is past due?

    We know it can sometimes happen. Your account becomes past due, either because you forgot to pay your bill or you're going through some financial troubles. Either way, your account becomes past due if the entire balance is not paid and posted by the due date. When an account does become past due, you'll be limited to what you can and can't do with your phone. During your account's past due status, you may be charged late fees based on where you live.


    We hate to do it, but sometimes past due accounts may experience collection treatment, including service interruption, at any time after the account is past due.

    • Payment of the past due balance is the only way to ensure the account remains in service.
    • A grace period exists for late fees, but service may be interrupted prior to assessment of the late fee based on several factors specific to individual accounts.
    • T-Mobile may attempt to contact the primary subscriber on the account via a phone call or text message when you have a past due balance and you may be facing suspension as a result.


    We want to help you get your payments up to date. If you're experiencing financial problems and need help in making payments, you might consider trying to set up a payment arrangement to help get your account back on track.


    If there are disputed charges on your account, we recommend paying the full amount due in order to avoid service interruption and any associated fees. Any credits you receive will be applied to a future bill cycle.