Can you pay Nissan Motor Acceptance (NMAC) with a credit card?
No credit cards. Debit cards only.
Stated on Nissan Motor Acceptance's own payment page.
Last checked October 19, 2026 by Bill Router. How we check
Ways to pay Nissan Motor Acceptance (NMAC)
| Way | Accepted | Fee | Notes |
|---|---|---|---|
| Card on the biller's own site | No | — | Payment options are recurring bank withdrawals, one-time payments through Paymentus (debit or e-check), and mail. No credit card option is listed. |
| Debit card | Yes | No fee published | One-time payment by phone at 833-648-0173 or on the web through Paymentus, with an ATM or debit card or e-check. Transaction fees may apply; the amount is not published. |
| Bank account (ACH) | Yes | Free | Recurring withdrawals through NMAC Finance Account Manager (Pay Now, Recurring Payment), and one-time e-check payments. |
| Card through Plastiq | Usually | 2.99%, plus $0.99 | A payment service that charges your card and pays Nissan Motor Acceptance (NMAC) by bank transfer or check. Not affiliated with Nissan Motor Acceptance (NMAC). |
What it is worth for your car payment
Example amount shown; change it to yours.
| Way to pay | Fee per payment | Net per year |
|---|---|---|
| Plastiq (pays Nissan Motor Acceptance (NMAC) for you) | $17.44 | −$77 |
| 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 2 car payments of $550 by card for about $35 in fees, reach the Bank of America Premium Rewards bonus, and keep about $470 after fees and the annual fee. Then switch back to the bank account. Run your own numbers.
A debit card payment earns no meaningful rewards, so it is only a convenience.
Watch out for
Only debit works, through Paymentus, with a possible fee. MoneyGram is also mentioned but not explained.
Sources
using your ATM/Debit card, or electronic check
www.nissanusa.com · checked October 19, 2026transaction fees may apply
www.nissanusa.com · checked October 19, 2026choose Recurring Payment
www.nissanusa.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.
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