YSK

If you have an Apple Card, you can schedule payments from your bank’s Bill Pay feature rather than rely on Goldman Sachs to automatically debit your bank account.

tl;dr you can setup payments to originate from your bank. Follow the steps outlined under “Methodology” heading

Reasoning

You may be asking: “why” would I rely on Bill Pay? Personally, I like to have control on what is debited from my account rather than relying on external parties to “get it right”. Many horror stories of creditors, services either “fat fingering” or having “internal system issues” causing auto withdrawal methods to well exceed the amount due [8]. It’s honestly up to you. I bring it up here because Apple/Goldman Sachs do not advertise it and find it scummy/misleading. I hope some people find it useful.

Research

Publicly, Apple only publishes these 3 methods of paying your account balance with Goldman Sachs/Apple Card:

1. Set up automatic payments in Wallet app [1]
2. Schedule one time payments in Wallet app [2]
3. Schedule payment using “card.apple.com”

Several discussions on Apple’s own discussion forum around this topic all point back to the aforementioned methods of payment [3,4,5]. One of these discussions hinted at the ability to use an external means of payment [3], but ultimately failed to provide any instructions for this.

There was a more recent discussion on this topic [6] and decided to deep dive into this address that was shared:

Goldman Sachs Bank, Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112

I cross referenced the address with my most recent statement with Apple Card (April 2025) and it does appear to be valid and owned by Goldman Sachs entity. I found it buried in the “Legal” section of my credit card statement:

… Billing Rights Summary

What To Do If You Think You Find A Mistake On Your Statement:

If you think there is an error on your statement, write to us at:

Goldman Sachs Bank USA, Salt Lake City Branch

Lockbox 6112

P.O. Box 7247

Philadelphia, PA 19170-6112 …

I wasn’t familiar with what a “Lockbox” is in mailing address, so I looked it up [7].

What Is Lockbox Banking? Lockbox banking is a service provided by banks to companies for the receipt of payment from customers.

Bingo. So I will use this address to setup Bill Pay.

So, for those unfamiliar with “Bill Pay” offered by most (if not all) US banks. I understand it as an electronic means of remitting payments to creditors (ie, Goldman Sachs) or service providers (ie, your landlord, cellular device provider). However, if payee does not support an electronic means of payment. Then the Bill Pay service will fallback on issuing a check to the address associated with the payee.

So armed with this information, I should in theory be able to remit payment from my bank’s bill pay feature.

Initially, I wasn’t comfortable with relying on this feature for paying my card on time since it’s not even advertised as a method in the billing statement. So decided to do a small test payment well in advance of the due date at end of the month.

Methodology

1. Get “Card Number” from Wallet app

Wallet app > Tap 💳 icon in top right > authenticate with Face ID or pass code > save the “Card Number” value under “Virtual Card Number” heading

2. Create new bill payee with following information:

Account Number: replace_with_card_number_from_previous_step

Name: Goldman Sachs Bank USA, Salt Lake City Branch

Address Line 1: LOCKBOX 6112

Address Line 2: PO BOX 7247

Zip: 19170-6112

City: PHILADELPHIA

State: PA

3. Submit form to create new payee

NOTE: here I was given a quote of 1-2 days for electronic delivery. Gave me confidence this might work

4. Remit $10 payment to newly created payee

I did the aforementioned steps on 2025-05-09 and observed the following:

1. Payment scheduled via Bill Pay to be sent on 2025-05-12 and delivered to payee (Goldman Sachs) on 2025-05-14
2. Debit on account for $10 on 2025-05-12
3. 2025-05-14 received e-mail and Wallet transaction notification of an “Offline Payment” that was processed

Pros / Cons

Pros

• take away potential of GS debiting my account beyond what is due
• increase control of payments to creditor

Cons

• (at least for my bank) debit on your account happens on the send on date
• have to manually schedule every month as opposed to letting GS take what they supposedly are owed

References

[1] https://support.apple.com/en-us/102534#autopay

[2] https://support.apple.com/en-us/102534#make

[3] https://discussions.apple.com/thread/252947711?sortBy=rank

[4] https://discussions.apple.com/thread/252716535?sortBy=rank

[5] https://discussions.apple.com/thread/254433851?sortBy=rank

[6] https://discussions.apple.com/thread/255616490?sortBy=rank

[7] https://www.investopedia.com/terms/l/lockboxbanking.asp

[8] https://finance.yahoo.com/news/went-broke-because-autopay-wish-190015131.html