If you forgot your password or cannot access two-factor authentication devices, Synchrony provides a frictionless alternative: the guest pay option.
Accessible from the main login screen, Guest Pay lets cardholders submit a payment without creating or logging into an existing profile. You input your card number, the last four digits of your Social Security number, and your billing ZIP code. Once identity verification clears, you enter your checking account data, designate the transfer amount, and finalize the payment. It serves as an emergency lifeline when approaching deadline hours.
For everyday management, the Lowe's mobile app bridges retail shopping and account tracking. Under the "Wallet" or "Account" tab, you can link your Synchrony profile once. After initial setup, biometric login authentication (Face ID or fingerprint recognition) grants access to monthly statements and immediate single-tap bill pay.
Cardholders seeking hands-off management can also activate auto-pay enrollment through both the mobile application and desktop browser. The automated system lets you schedule deductions for the minimum balance, total balance, or a predetermined fixed amount every cycle. Make sure your checking account keeps adequate liquidity; returned automated transfers carry administrative penalties on par with missed payments.
