Payment Arrangement

Setting up a Payment Arrangement for your T-Mobile account is quick and easy. Payment Arrangements are self-service only. When contacting Customer Care or visiting a Retail Store, our Experts will guide you on how to use T-Life to set up or manage your Payment Arrangement. This helps you avoid the $10 payment support fee.

Before you begin, review the eligibility requirements and important details below to avoid delays, failed arrangements, or additional fees.

Am I eligible?

• Available to postpaid customers who need extra time paying their bill. 
• Your account must be less than 30 days past the due date to initiate a Payment Arrangement.
• You must pay any balance that is 31 or more days past due before you can set up a Payment Arrangement. 

Payment Arrangements with AutoPay enrollment

• AutoPay will pause while on an active Payment Arrangement. Once your Payment Arrangement is successfully completed or if you delete the Payment Arrangement, AutoPay will resume.
• Any AutoPay discount(s) will not apply if your account is or becomes past due.
• If the Payment Arrangement fails, you will be unenrolled from AutoPay.

Dos and Don'ts

Do

Failure to meet the Payment Arrangement criteria may result in a failed Payment Arrangement and possible service suspension.

• Make sure your first installment and each installment after are paid by the specified due date.
• Pay all new bills that become due during the arrangement by the due date.

Don't

Don’t make early payments or use a different payment method if your Payment Arrangement is set up with a Future Dated Payment. The system may not recognize the payment as part of your arrangement, which could result in duplicate payments, overpayments, additional fees, or suspension of service.

Potential fees

• Late fees may apply if the payment date is past your original due date.
  
• A $20 restore fee per line (up to three lines) and applicable taxes will be included in the installment(s) when your account is suspended (including partial suspension) for non-payment.
• The $5 per line bill credit will be lost until AutoPay is reactivated again.

Using a Payment Arrangement

This section explains how to set up, manage, or delete a Payment Arrangement.

You can also set up a Payment Arrangement in the T-Life app by following these steps.

1. Open T-Life.  
2. Select the Manage Tab. 
3. Choose Set up a payment arrangement.  
4. Editthe payment amount to edit the default amount.  
5. Edit the payment method to select the default payment method.  
6. Edit the payment date to select when to process the payment, then select Update.  
7. Once the Future Dated Payment is set up, select Agree and Submit. When the Future Dated Payment processed, select Done.

Manage your Payment Arrangement

After you set up a Payment Arrangement in T-Life, My T-Mobile, or our automated phone system, you can update your installment payment dates and amounts. Changes must be made before the first installment date.

Manage installment dates & payment amounts

1. Open T-Life.
2. Go to the Manage tab.
3. Choose Manage Payment Arrangement.
4. Select Edit next to the payment schedule to update installment dates or amounts. Available date selections display automatically. Payment amounts cannot be changed after the first installment has passed.
5. Tap Edit to update the payment method.
6. Select Continue.
7. Review the Terms and Conditions, then select Agree and Submit.
8. Select Done.

If your payment method is removed

If your service was restored through a Payment Arrangement and the payment method is later removed, your account will be suspended again.

While the account is re-suspended, you cannot change payment dates, payment amounts, or payment methods for the Payment Arrangement.

To restore service after re-suspension, a one-time payment covering the full past-due balance is needed.

Delete a Payment Arrangement

You can delete a Payment Arrangement either on the same day you created it or after you’ve paid your full past-due balance. Only the Primary Account Holder (PAH) or an Authorized user can delete a Payment Arrangement. Need help managing access? See our setting online permissions for more information.

1. Open T-Life.  
2. Select the  Manage Tab. 
3. Choose Manage Payment Arrangement.
4. Select Delete Payment Arrangement. 
5. Select Yes, delete and then select Done.