General Questions
What is Bill Me Later Business?
Why has Bill Me Later Business been discontinued?
How do I obtain a copy of Bill Me Later's W-9 form?
What is Bill Me Later Business?

Bill Me Later Business is a convenient and secure way to pay online and over the phone. As an open-end credit account, Bill Me Later Business provides you with the flexibility and buying power your business needs.

As of May 13, 2013, we have discontinued the Bill Me Later Business product and you will no longer be able to make purchases with your account. Existing customers will still be able to access your account online at billmelaterbusiness.com to view monthly statements, make payments and manage your account.

Bill Me Later Business is offered through Comenity Capital Bank and belongs to the Bill Me Later product suite of quick, easy and secure payment methods created for consumers and businesses.

Why has Bill Me Later Business been discontinued?

Bill Me Later Business has been discontinued because Bill Me Later, Inc has decided to pursue other business lending opportunities.

How do I obtain a copy of Bill Me Later's W-9 form?

Obtaining a completed copy of Bill Me Later's W-9 form is easy. Simply click on the blue W-9 link to open a PDF of Bill Me Later's completed W-9 form.

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General Payment Questions
How can I pay my Billing Statement?
Can I send a money order as payment?
Can I pay with a credit card or PayPal?
Can I send cash as a payment?
How can I pay my Billing Statement?

Bill Me Later Business now offers the ability to pay your bill online. To sign up for the Bill Me Later Business Pay Online service, you must first register your account online and agree to the Bill Me Later Business Pay Online Terms and Conditions.

Once you are registered, just login and select "Manage Account > Make Payment".

To pay your bill by postal mail, forward your check to:

Bill Me Later Business
PO Box 105658
Atlanta, Georgia 30348-5658

Be sure to include your Bill Me Later Business account number on your check. Your account number is located on your statement. Also, please do not send payments to the merchant where you made the purchase. All payments must be made to Bill Me Later Business.

Can I send a money order as payment?

Yes, you can send a money order as long as your account number is referenced on it.

Can I pay with a credit card or PayPal?

At this time, we do not accept credit cards or PayPal for payments.

Can I send cash as a payment?

No, we do not accept cash payments.

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Online Payment Questions
What forms of electronic payment are accepted?
When will my online payment post?
How can I review my online payment history or change a pending payment?
How do I change my checking/savings account information?
Can I pay using my Bank's online bill pay service?
What forms of electronic payment are accepted?

You can pay your Bill Me Later Business account online using either a checking or savings account. We do not accept credit cards.

When will my online payment post?

If your payment is submitted by 5 p.m. Eastern Time on a business day, your payment will post to your account that day. Otherwise, it will post the next business day.

How can I review my online payment history or change a pending payment?

To review your online payment history and status of payments, login and select "Manage Account > Pay Online > View Payment History".

This screen will only reflect online payments.

How do I change my checking/savings account information?

Login to your account and select "Manage Account > Pay Online > Bank Account Info" to make revisions to your account information.

Can I pay using my Bank's online bill pay service?

Yes you can use your bank's online bill pay service to make a payment to your Bill Me Later Business account. Follow the sign up process for this service that you will find on your bank's website.

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General Billing Questions
I have not received my bill yet. Could there be a problem?
Why do I have two accounts?
How long does it take for a transaction to post to my account?
I have not received my bill yet. Could there be a problem?

If you are expecting a Billing Statement and have not received it, there could be a problem with the billing address we have on file. Please login and select "Manage Account > Update Account > Change Personal Info " to view or change your address.

It is also possible that your Billing Statement may not have been created yet. To verify that you have a statement, login and select "Manage Account > View Activity > Account Summary". If there is a statement date, then a statement has been mailed to you. You can view a copy of your Billing Statement online by selecting "Manage Account > View Activity > Statements".

Why do I have two accounts?

In rare cases, our system may assign a second account to you. This generally happens if you use different personal information at the different web sites that you purchase at. If you find yourself in this situation, contact us to remedy it.

How long does it take for a transaction to post to my account?

Generally, a sale transaction will post one to two days after the item has shipped.

If it is an item that does not get shipped, such as an airline ticket or hotel room, that sale will post within one to two days of the transaction.

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Billing Questions: Electronic Statements
How can I stop receiving paper Billing Statements?
I elected the Electronic Billing service but I am still receiving paper statements. What should I do?
How can I stop receiving paper Billing Statements?

Bill Me Later Business now offers paperless billing. To elect this option, login and select "Manage Account > Update Account > Statement Preferences". You will be notified by email each time you have a statement available for viewing. You can change your preference at any time by returning to the Statement Preferences menu.

I elected the Electronic Billing service but I am still receiving paper statements. What should I do?

It takes one or two billing cycles for your change to take effect. Also, if we are unable to notify you that your Billing Statement is available online because of a problem with your email address, we will mail a copy of your Billing Statement to your postal address.

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Credit Limits & Credit Review
What does "Subject to Credit Approval" mean?
Does Bill Me Later review my credit bureau report every time I make a purchase?
I have a Bill Me Later account. Why was I declined for a purchase I attempted to make using Bill Me Later?
What does "Subject to Credit Approval" mean?

Bill Me Later Business is a credit account that you can use to make purchases. Comenity Capital Bank will review and consider your business' credit report and other credit related information prior to approval. If your business has not established a credit file, you may choose to add a Personal Guarantor to the account. In that case, the consumer credit report of the Personal Guarantor will be reviewed. Creditworthiness is determined by Comenity Capital Bank.

Does Bill Me Later review my credit bureau report every time I make a purchase?

Bill Me Later Business does not review the credit bureau for each transaction. However, the credit report may be reviewed periodically to provide you with the maximum buying power possible.

I have a Bill Me Later account. Why was I declined for a purchase I attempted to make using Bill Me Later?

Your purchase may be declined for many reasons. The following are the most common reasons a purchase is declined:

  • Your account is past due.
  • You are attempting to make a purchase larger than the amount of credit we can extend to you at this time. We do re-evaluate this regularly. As you establish a good payment record with Bill Me Later, you will have greater chances of being approved for each purchase you attempt.
  • A technical error on the merchant site.
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    Returns, Credits, & Disputes
    How long does it take for a merchant to credit my account?
    Where do I send my shipment if I want to return it?
    What is your dispute procedure?
    How long does it take for a merchant to credit my account?

    Each merchant has a different policy regarding the length of time it takes to process a credit, but federal law requires that the credit must be processed by the merchant within 7 days.

    Bill Me Later Business must credit your account as of a date not later than 3 days of receiving the credit. Visit the website for the merchant you shopped to view their return policy.

    Where do I send my shipment if I want to return it?

    Refer to the return policy and instructions from the merchant where you purchased the items.

    What is your dispute procedure? There is a charge on my account that I don't agree with.

    View and Print Dispute Form

    Notify Us In Case of Errors or Questions About Your Bill:

    If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at:

    Bill Me Later Business
    P.O. Box 5018
    Timonium, MD 21094

    We must hear from you no later than 60 days after we send you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information:.

  • Your name and account number.
  • The dollar amount of the suspected error.
  • Description of the error and an explanation.
  • Your Rights and Our Responsibilities After We Receive Your Written Notice:

    We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including Finance Charges.

    You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any Finance Charges related to the questioned amount. If we did not make a mistake, you may have to pay Finance Charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due.

    If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill, and we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is.

    If we do not follow these rules, we cannot collect the first $50.00 of the questioned amount, even if your bill is correct.

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    Online Account Management
    I am having problems registering or accessing my account online. What could be the problem?
    How do I change my User ID, PIN or Secret Question & Answer?
    How do I opt out of receiving unsolicited marketing materials?
    Can I close my account online?
    What Internet browser should I use to access my account?
    I am having problems registering or accessing my account online. What could be the problem?

    Your User ID and PIN for this site can be different than they are for a merchant site where you shopped. This site requires its own registration to establish your User ID and PIN.

    If this is your first time trying to register your account:

    Be sure to enter personal information exactly as you entered it when opening your account.

    If you have previously registered and are trying to login:

    Help for various types of login problems is available on our Login Help page.

    Important Note:

    If someone has repeatedly attempted to log in using the wrong PIN or Question & Answer, our system will lock the account in order to protect you from unauthorized access to your account. If this happens, or you have any other problems accessing your account, please call us at 1-888-609-0798.

    How do I change my User ID, PIN or Secret Question & Answer?

    To change your PIN or secret question & answer, login and select "Manage Account > Update Account > Change PIN or Change Q&A". To change your User ID, you must call Customer Care at 1-888-609-0798.

    How do I opt out of receiving unsolicited marketing materials?

    You can opt out of receiving promotional email by updating your preferences on the "Change Personal Info" page. Login and select "Manage Account > Update Account > Change Personal Info". If you want to opt out of other marketing programs such as direct mail or telemarketing call us at 1-888-609-0798.

    Can I close my account online?

    No, this is not available at this time. To close your account, call us at 1-888-609-0798 or write: P.O. Box 2394, Omaha, NE 68103-2394.

    What Internet browser should I use to access my account?

    We support the following Internet browsers: Internet Explorer 7.0 and higher, Firefox 3 and higher, Chrome 6 and higher, and Safari 5 and higher.

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    Promotional Financing
    I was supposed to get No Payments for 90 Days but my first bill says it's due in 25 days. Please explain.
    I was supposed to get No Payments for 90 Days but my first bill says it's due in 25 days. Please explain.

    If you have a No Payments for 90 Days (Deferred Payment Option) purchase, you will still receive Billing Statements each month. A payment due date will still appear on each bill but you do not need to make any payments unless your minimum payment due is greater than $0.

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    Protecting Yourself From Fraudulent Email
    What is phishing?
    How do I protect myself from fraudulent email ("phishing")?
    How do I know an email is really from Bill Me Later Business?
    For More Information...
    What is phishing?

    Phishing is an email "scam" perpetrated by criminals to attempt to trick consumers into disclosing their personal information, financial account numbers, passwords or PIN's. The criminals then make use of the information obtained to perpetrate identity theft and other financial crimes. Phishing emails are generally easy to spot. You should regard any email that meets one or more of the following criteria as a potential phishing attempt:

    1. Any email that threatens to close or suspend access to your accounts unless you login or provide personal information.
    2. Any email that notifies you that you are a victim of a fraud.
    3. Any email that notifies you that you have won something or asks your assistance in helping someone else to claim a prize or financial gain.

    How do I protect myself from fraudulent email ("phishing")?

    Fortunately, there are simple steps you can take to protect yourself from Phishing attempts:

    1. Never trust an email from Bill Me Later Business or any other company that threatens to suspend access to your accounts or assess fees or penalties if you do not respond to the email message. These are almost certainly not legitimate communications. You should contact the company that you think is the sender of the email at the toll free telephone number or email address on your monthly statement and verify the authenticity of the message.
    2. Do not respond to any suspicious emails or click any links or open any attachments contained in them. Delete them from your email box immediately after you forward them to phishing@billmelater.com for investigation and follow up by our anti-fraud team.
    3. Personal data should only be entered on a secure web site (https should always show in the browser address bar). Before entering any personal data on a web site, check that the security certificate is legitimate by:
    4. Double clicking on the padlock on the browser (usually appears in the lower right hand corner of the screen).
    5. Following the instructions to view the security certificate.
    6. Ensuring that the certificate is issued to www.bill-me-later.com.
    7. Log into your online account regularly to make sure all transactions are legitimate.

    How do I know an email is really from Bill Me Later Business?

    1. You can expect to receive emails from Bill Me Later Business , such as notifications of statement availability, online payment confirmations, and similar notices related to your account. Bill Me Later Business also sends emails with special offers for our customers or announcements about new merchants who accept Bill Me Later Business.
    2. Emails from Bill Me Later Business which contain links to your account will also include something that identifies you or your account. This may be your first name and last name or the last 4 digits of your Bill Me Later Business account number (as it appears on your Billing Statement). Note: You may receive emails with special offers and discounts or announcements of new merchants and these will not always be personalized.
    3. Bill Me Later Business will never threaten to close or suspend your account if you do not confirm information.

    For More Information...

    For more information about protecting yourself from and reporting fraudulent emails, read the FTC's consumer alert entitled "How Not to Get Hooked by a Phishing Scam" at www.ftc.gov/bcp/conline/pubs/alerts/phishingalrt.htm.

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    Didn't find quite what you are looking for? Contact Customer Service for further assistance either by phone, or with a secure message.

    Phone: 1.866.528.3733
    Hours of Operation: 7 days a week, 9am - 11pm EST

    Secure Message:
    Click here to log in to your account and send a secure message.