How to Pay Bills Through GCWW (Guam Waterworks Authority)

What GCWW Bill Pay Is

GCWW stands for Guam Waterworks Authority, the public utility that supplies water and wastewater services to Guam. Their bill pay system lets you pay your water and sewer bill online, by phone, or in person without writing a check or visiting an office in person. You can set up a one-time payment or enroll in automatic recurring payments.

The system is run by GCWW directly — not a third-party processor — so your payment goes straight to your water account. This guide explains how each payment method works, what information you'll need, and what to expect after you submit a payment.

Key Takeaways

• GCWW offers online bill pay through their website, phone payment by calling their customer service line, and in-person payment at their office or authorized payment locations.
• You will need your GCWW account number (found on your bill) and either a bank account or debit/credit card to pay online or by phone.
• Online payments typically post to your account within one to two business days, while in-person payments are usually recorded the same day.
• You can set up automatic monthly payments so your bill is paid on the same date each month without logging in again.
• If you miss a payment, GCWW may charge a late fee and eventually disconnect your water service, so paying on time protects your account.

Paying Your GCWW Bill Online

The online payment portal is the fastest way to pay if you have internet access and a bank account or debit card. Go to the GCWW website, look for the "Pay Your Bill" or "Online Payments" section, and select the option to pay as a guest or log into your account. You will be asked to enter your account number (a 7 to 10 digit number printed on your bill) and either your service address or the amount of your current bill to verify your account.

Once your account is found, you can choose to pay the full balance, a partial amount, or a past-due balance. Select your payment method — bank account (ACH transfer) or debit/credit card — and enter the payment details. Bank account payments typically have no fee, while card payments may include a small processing fee that GCWW will show you before you confirm. After you submit, you will receive a confirmation number. Keep this number for your records. The payment usually posts within one to two business days.

Paying by Phone

If you prefer not to use the website, you can call GCWW's customer service line to pay over the phone. Have your account number and payment method (bank account or debit/credit card) ready before you call. A representative will verify your account, tell you the amount due, and process your payment while you are on the line.

Phone payments work the same way as online payments — they post within one to two business days — but you may be charged a convenience fee for paying this way. Ask the representative what the fee is before you authorize the payment. You will receive a confirmation number at the end of the call.

Paying in Person or by Mail

You can pay at the GCWW main office in Hagatna during business hours with cash, check, or debit/credit card. Payments made in person are usually recorded the same day. If you prefer to mail a check, write your account number on the check, include a copy of your bill, and mail it to the address printed on your statement. Mail payments take longer to reach GCWW and post to your account, so send them at least one week before your due date to avoid a late fee.

GCWW also partners with certain payment centers and retailers on Guam where you can pay in cash or by card. Call GCWW or check their website to find authorized payment locations near you.

Setting Up Automatic Payments

If you want your bill paid the same day each month without logging in, you can enroll in automatic payments through the GCWW website or by calling customer service. You will provide your bank account number or card details once, and GCWW will charge your account on a date you choose — usually around the due date on your bill.

Automatic payments protect you from late fees because the payment is sent even if you forget. You can change or cancel automatic payments at any time through your online account or by calling GCWW. If your bill amount changes (which it does seasonally for water usage), the automatic payment will charge the new amount each month.

What Happens If You Miss a Payment

If your payment is not received by the due date on your bill, GCWW will charge a late fee. The amount of the late fee varies but is shown on your bill. If you remain unpaid for 30 to 60 days (the exact timeline is in your service agreement), GCWW may send a notice of intent to disconnect your water service.

If you receive a disconnect notice, contact GCWW when ready to arrange payment or a payment plan. Many utilities offer short-term arrangements if you are facing hardship. Paying before the disconnect date will stop the service interruption. If your water is shut off, you will need to pay the full past-due balance plus a reconnection fee to restore service.

Troubleshooting Payment Issues

If you submitted a payment online or by phone but do not see it posted after three business days, log into your account or call GCWW to check the status. Payments can be delayed if your bank is processing the transfer slowly or if there was an error in the account number you entered. GCWW's customer service can look up your payment by the confirmation number you received and tell you where it is in the system.

If a payment was charged to your card or bank account but GCWW says they never received it, ask GCWW for a reference number and contact your bank to investigate. Your bank can trace the transaction and confirm whether the money reached GCWW. If there was an error, your bank can help recover the funds or GCWW can reapply the payment to your account once the issue is resolved.

Frequently Asked Questions

Can I pay my GCWW bill with a credit card online?

Yes, GCWW accepts debit and credit cards for online and phone payments. Credit card payments may include a processing fee that GCWW will disclose before you confirm the payment. Bank account (ACH) payments typically have no fee.

What is my GCWW account number and where do I find it?

Your account number is a 7 to 10 digit code printed on your GCWW bill, usually near the top or in the billing section. You need this number to pay online or by phone. If you cannot find your bill, call GCWW and provide your service address and they will give you the number.

How long does it take for my payment to show up on my account?

Online and phone payments usually post within one to two business days. In-person payments at the GCWW office are typically recorded the same day. Mail payments take longer — usually five to seven business days — so send them early to avoid late fees.

Can I set up automatic payments if I have a variable bill amount?

Yes. Automatic payments will charge the current bill amount each month, so if your water usage changes seasonally, the automatic charge will adjust accordingly. You can log in anytime to see what amount will be charged on your next payment date.

What should I do if GCWW disconnected my water service for non-payment?

Contact GCWW when ready and pay the full past-due balance plus any late fees and reconnection charges. Once payment is confirmed, GCWW will restore your service, usually within one business day. Ask about payment plans if you cannot pay the full amount at once.