Once you activate your Shop Your Way® (SYW) Mastercard®, you can easily manage payments online through the Citi-managed SYW dashboard.
This guide explains how to view balances, make payments, schedule payments, and manage autopay using your SYW online account.

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🔹 Where to Access the SYW Online Dashboard

Log in securely at:
👉 https://syw.accountonline.com

Once logged in, you’ll land on your Account Summary Dashboard, where all payment tools are available.

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⭐ 1. How to View Your Payment Information

On the dashboard, you can quickly see:

• Current Balance

• Minimum Amount Due

• Payment Due Date

• Statement Balance

• Last Payment Made

This helps you track your credit usage and avoid late fees.

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⭐ 2. How to Make a One-Time Payment

✅ Step 1: Go to the Payments Section

Click “Make a Payment” or “Payments” from the top menu.

✅ Step 2: Choose Your Payment Source

You can pay using:

• A checking account

• A savings account

(Add your bank details if you’re a first-time user.)

✅ Step 3: Enter Your Payment Amount

Choose from options like:

• Minimum Due

• Statement Balance

• Current Balance

• Custom Amount

✅ Step 4: Select Payment Date

You can:

• Pay today

• Schedule the payment for a future date

✅ Step 5: Review & Confirm

Check your details and press Submit.

You’ll receive a payment confirmation on-screen and by email.

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⭐ 3. How to Schedule Future Payments

If you want to set a payment for an upcoming date:

1. Go to Make a Payment

2. Choose Custom Amount or a preset amount

3. Select a future date

4. Click Confirm

Scheduled payments will appear under Payment Activity.

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⭐ 4. How to Set Up Autopay (Automatic Payments)

Autopay ensures you never miss a due date.

✅ To enable Autopay:

1. Go to Payments

2. Select Enroll in AutoPay

3. Choose how you want to pay:

   • Minimum Payment

   • Statement Balance

   • Fixed Amount

4. Select your bank account

5. Confirm enrollment

Autopay will run automatically every billing cycle.

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⭐ 5. How to Add or Update Your Bank Account

If you want to change your payment method:

1. Navigate to Payments

2. Click Manage Payment Accounts

3. Add a new checking/savings account

4. Remove outdated accounts if needed

Always double-check your routing and account numbers.

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⭐ 6. How to Check Your Payment History

The dashboard also displays your full payment record.

To view it:

1. Go to Recent Activity

2. Select Payments

3. See:

   • Posted payments

   • Pending payments

   • Scheduled future payments

You can also download this information for your records.

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⭐ 7. How to Set Alerts for Payment Reminders

Under Profile & Settings, you can turn on alerts for:

• Payment due reminders

• Successful payment confirmation

• Autopay processing notifications

You can receive alerts via SMS, email, or app notifications.

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🔧 Troubleshooting Payment Issues

If you can’t make a payment:

✔ Ensure your bank account is valid
✔ Disable VPN or ad blocker
✔ Try another device or browser
✔ Verify that your payment method is not blocked
✔ Contact Citi customer support (via number on your card)