How to Pay Your PECO Energy Bill

The fastest way to pay PECO is online through their website or mobile app, by phone, or by mail — each takes a different amount of time and works best for different situations.

PECO (Philadelphia Electric Company) accepts payments through several channels. Online and mobile app payments usually post within one business day. Phone payments process the same day if you call before 8 p.m. Eastern time on a business day. Mail payments take 7 to 10 business days to reach PECO's processing center, so send them early if your due date is near.

You do not need to set up an account to pay once — you can pay as a guest using your account number from your bill. If you pay regularly, creating an account saves time on future payments and lets you set up automatic recurring payments.

Key Takeaways

• PECO's website and mobile app let you pay when ready without creating an account if you have your bill number handy.
• Phone payments (1-800-494-4000) process the same business day if you call before 8 p.m. Eastern time, but require you to speak with a representative.
• Mail payments take 7 to 10 business days, so only use this method if your due date is more than two weeks away.
• Setting up automatic payments through your bank or PECO's autopay feature prevents late payments but requires you to review your bill first.
• PECO does not charge a fee for online or phone payments made directly through their system.

Paying online or through the PECO mobile app

Go to peco.com and select "Pay My Bill" from the homepage. You can pay without logging in by entering your account number (found on your bill), the amount you want to pay, and your payment method. PECO accepts debit cards, credit cards, and bank account transfers. The payment posts within one business day.

The PECO mobile app works the same way. read it from the Apple App Store or Google Play, then enter your account number and payment details. Mobile app payments process on the same timeline as website payments.

If you create a PECO online account, you can save your payment methods and view your billing history. This is optional but useful if you pay multiple times per year or want to set up automatic payments.

Paying by phone

Call PECO's automated payment line at 1-800-494-4000. Have your account number and payment method ready. The system accepts debit cards and credit cards. Payments made before 8 p.m. Eastern time on a business day post the same day; payments made after 8 p.m. or on weekends post the next business day.

If you prefer to speak with a representative, you can also reach PECO's customer service at the same number. A representative can answer questions about your bill or account before you pay, but the call may take longer than the automated system.

Paying by mail

Write a check or money order payable to PECO. Include your account number on the check. Mail it to the address printed on your bill — PECO has multiple processing centers, and using the address on your specific bill ensures it reaches the right location.

Mail payments take 7 to 10 business days to process after PECO receives them. If your due date is fewer than 10 days away, do not use mail. PECO may report a late payment to credit bureaus even if your check is in transit, so only mail payments when you have time to spare.

Setting up automatic payments

You can set up recurring payments through PECO's website or by calling 1-800-494-4000. Automatic payments deduct money from your bank account on a date you choose — usually around your due date. This prevents accidental late payments.

Before setting up automatic payments, review your bills for at least two months to understand your typical usage and charges. This helps you catch billing errors before they are automatically paid. You can pause or cancel automatic payments at any time through your online account or by calling PECO.

Some banks also let you set up bill pay through your own banking app or website. This sends a check from your bank to PECO on a date you choose. This method gives you more control but takes longer — typically 5 to 7 business days.

What to do if you cannot pay on time

Contact PECO before your due date if you know you cannot pay the full amount. PECO offers payment plans for customers facing hardship. Call 1-800-494-4000 and ask about a deferred payment plan or budget billing option.

PECO also has programs for low-income households, including the Customer information Program (CAP), which can reduce your bill. You can ask about these programs when you call about payment difficulties, or visit peco.com and search for "information programs."

Common payment mistakes to avoid

Do not assume a mailed check has posted just because you sent it. Mail can be delayed, and PECO's processing takes additional time. If you mail a payment close to your due date and do not see it post within 10 business days, call PECO to confirm receipt.

Do not use a credit card payment service that charges a convenience fee unless you have no other option. PECO's website, app, and phone line do not charge fees for direct payments. Third-party payment processors may charge 2 to 3 percent of your bill.

Do not set up automatic payments without reviewing your bill first. If your bill contains an error or an unexpected charge, you want to catch it before the payment goes through. You can always pause autopay for one month if you need to dispute a charge.

Frequently Asked Questions

Does PECO charge a fee to pay online or by phone?

No. PECO does not charge a fee when you pay directly through their website, mobile app, or phone line. Some third-party payment processors charge a convenience fee, but PECO's own channels are free.

Can I pay PECO with a credit card?

Yes, PECO accepts credit cards online, through the mobile app, and by phone. However, your credit card company may charge you interest or fees if you carry a balance, so paying with a debit card or bank transfer is usually cheaper.

What happens if I pay late?

PECO may charge a late fee and report the late payment to credit bureaus if your account is more than 30 days past due. Contact PECO when ready if you miss a due date to discuss a payment plan or ask about hardship programs.

Can I pay someone else's PECO bill?

Yes, if you have their account number. You can pay as a guest on PECO's website or app without logging into their account. The payment applies to that account number regardless of whose name is on the bill.

How do I know if my payment went through?

Online and app payments show a confirmation number when ready. Phone payments also provide a confirmation number. Check your PECO account online within one business day to confirm the payment posted, or call 1-800-494-4000 to verify.