Can you pay M&T Bank Mortgage with a credit card?
No. It does not take credit cards.
Stated on M&T Bank Mortgage's own payment page.
Last checked October 19, 2026 by Bill Router. How we check
Ways to pay M&T Bank Mortgage
| Way | Accepted | Fee | Notes |
|---|---|---|---|
| Card on the biller's own site | No | — | M&T does not take credit or debit cards for mortgage payments, online or by phone. |
| Bank account (ACH) | Yes | Free | Automatic monthly deductions from a checking or savings account, and one-time online or phone payments from an account at any bank. Automatic payments are available at no charge. |
| Card through Plastiq | Usually | 2.99%, plus $0.99 | A payment service that charges your card and pays M&T Bank Mortgage by bank transfer or check. Not affiliated with M&T Bank Mortgage. |
| Bilt | With a Bilt card | No fee | Bilt pays housing from your bank account, not your credit line, and earns points when your other card spending unlocks them. How Bilt works |
What it is worth for your mortgage payment
Example amount shown; change it to yours.
| Way to pay | Fee per payment | Net per year |
|---|---|---|
| Plastiq (pays M&T Bank Mortgage for you) | $60.79 | −$249 |
| Bilt (from your bank, no card fee)Earns Bilt points unlocked by your other card spending; see the calculator. | $0 | $0 |
| Bank account (ACH) | $0 | $0 |
Rewards minus fees, twelve payments a year. A negative number means a card costs you money.
When a card is worth it
The fee usually beats the reward, except when it unlocks a sign-up bonus. Example: someone who already puts $1,000 a month on a card could pay 1 mortgage payment of $2,000 by card for about $61 in fees, reach the Chase Sapphire Preferred bonus, and keep about $594 after fees and the annual fee. Then switch back to the bank account. Run your own numbers.
Watch out for
Cards are refused for both online and phone payments.
Sources
While you’re unable to make a mortgage payment using a credit card or debit card
www.mtb.com · checked October 19, 2026you can set up automatic deductions from your checking/savings account each month to pay your mortgage
www.mtb.com · checked October 19, 2026
Payment rules change. Every biller is re-checked at least every 180 days, and a page past that date is taken out of search until it is.
Something changed? Tell us
Other mortgage servicers
- Alliant Credit Union Mortgage · Debit only
- AmeriHome Mortgage · No credit cards
- Arvest Central Mortgage Company · No credit cards
- BMO Mortgage (formerly Bank of the West) · No credit cards
- Bank of America Home Loans · No credit cards
- Carrington Mortgage Services · No credit cards
- Chase Home Lending · No credit cards
- Citadel Credit Union Mortgage · Debit only
See every bill at once
Add your other bills to the calculator to see which go on a card, which stay on your bank account, and which sign-up bonus your normal spending can reach.