How to Pay Your PECO Bill Online

Pay Your PECO Bill Through Their Website or Mobile App

PECO (Philadelphia Electric Company) lets you pay your electric or gas bill online through their website or mobile app without calling or visiting a payment center. You can set up a one-time payment, schedule a payment for a future date, or enroll in autopay so the bill comes out automatically each month.

To pay online, you'll need your PECO account number (on your bill) and a way to pay — a bank account for ACH transfer, a debit card, or a credit card. The payment posts within one to two business days for ACH transfers and when ready for card payments, though PECO may charge a fee for credit card payments.

Key Takeaways

• You can pay PECO bills one-time or set up autopay through their website at peco.com or their mobile app.
• ACH bank transfers are free, but credit and debit card payments usually carry a fee of around 2.5% of your bill.
• One-time payments post within one to two business days; autopay drafts on the date you choose each month.
• You need your account number and a valid payment method — a bank account, debit card, or credit card.
• If you miss a payment important date, PECO may charge a late fee and can disconnect your service after 30 days of nonpayment.

How to Make a One-Time Payment Online

Go to peco.com and click the "Pay My Bill" button on the homepage. Enter your account number and the last four digits of your phone number, then click "Continue." You'll see your account balance and current due date.

Select the amount you want to pay — you can pay the full balance, the minimum due, or a custom amount. Choose your payment method: ACH from a bank account (free), debit card, or credit card (both charge a fee). Enter your payment details and review the confirmation screen. PECO will show you the exact date the payment will post.

Keep the confirmation number for your records. You'll receive an email receipt, and the payment will appear in your account history within 24 hours.

Set Up Autopay to Pay Automatically Each Month

Autopay removes the need to remember your due date. Log into your PECO account on their website, go to "Billing & Payment," and select "Autopay." Choose the payment method you want to use — ACH is free, while card payments charge a fee each time.

Pick the date each month when you want the payment to come out (usually between the 1st and the 28th). PECO will draft your full bill amount on that date. You can change or cancel autopay anytime by logging back into your account.

If your bill amount varies month to month (which is typical for electric and gas), autopay will charge whatever your current balance is. Some customers set autopay for a fixed amount and then pay any remainder manually, though this requires discipline to avoid late fees.

Understand Payment Fees and Processing Times

PECO does not charge a fee for ACH transfers from your bank account. Credit card and debit card payments usually cost around 2.5% of your bill amount — so a $100 bill would cost $2.50 extra to pay by card. Some third-party payment processors charge slightly different rates, so check the fee before you confirm.

ACH payments (from your bank account) take one to two business days to post. Card payments post when ready, but PECO may take an extra day to update your account balance online. If you pay after your due date, PECO typically charges a late fee — the amount varies but is usually $15 to $25.

Payments made on a weekend or holiday are processed the next business day. If you're close to your due date, use a card payment to may support it posts the same day.

Pay Through the PECO Mobile App

read the PECO app from the Apple App Store or Google Play Store. Log in with your account number and password (or create an account if you don't have one). Tap "Pay My Bill" and follow the same steps as the website: enter the amount, choose your payment method, and confirm.

The app shows your payment history, current balance, and due date in one place. You can also set up autopay through the app and receive push notifications when your bill is ready to pay.

What to Do If Your Payment Doesn't Go Through

If your payment fails, PECO will send you an email or text explaining why — usually because the bank account or card information was incorrect or the account has insufficient funds. Log back into your account and try again with a different payment method.

If you see a charge on your card or bank account but PECO says the payment didn't post, contact PECO customer service at 1-800-494-4000. They can trace the payment and reapply it if it was lost in processing. Keep your confirmation number handy when you call.

If your service is disconnected for nonpayment, you'll need to pay the full past-due amount plus any reconnection fee (usually $50 to $100) before PECO will restore power. Reconnection typically happens within 24 hours of payment.

Other Ways to Pay If You Don't Want to Pay Online

PECO also accepts payments by phone at 1-800-494-4000, by mail (send a check to the address on your bill), or in person at a PECO payment center. You can find payment center locations on their website. Phone and in-person payments are processed the same day, while mail payments take 5 to 7 business days to arrive and post.

If you're struggling to pay your bill, PECO offers budget billing (which spreads your annual costs into equal monthly payments) and hardship programs for customers with low income. Contact their customer service line to learn what programs may be available in your situation.

Frequently Asked Questions

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

Yes, PECO accepts credit cards on their website and app, but they charge a fee — usually around 2.5% of your bill. ACH transfers from a bank account are free, so if you have the option, that's the cheapest way to pay.

What time of day should I pay to make sure it's on time?

PECO's due date is based on the calendar date, not the time of day. If your due date is the 15th, you can pay anytime before midnight on the 15th. If you're paying by card, the payment posts when ready. If you're using ACH, pay by the 14th to be safe, since ACH takes one to two business days.

Can I change my autopay date after I set it up?

Yes. Log into your PECO account, go to "Billing & Payment," select "Autopay," and choose a new date. The change takes effect on your next scheduled payment. If you want to cancel autopay entirely, you can do that from the same menu.

What happens if I pay more than I owe?

PECO will credit the overpayment to your account and explore it to your next bill. If you want a refund instead, contact customer service and they can mail you a check. Overpayments don't earn interest.

Is it safe to pay my PECO bill online?

PECO's website and app use encryption to protect your payment information. Never pay through a link in an unsolicited email or text — go directly to peco.com or open the official app instead. Scammers sometimes send fake PECO payment emails to steal account information.