How to Pay Your PECO Bill Online and by Phone

What PECO Bill Pay is and how to use it

PECO Bill Pay is the online and phone payment system run by PECO Energy Company, which serves parts of Pennsylvania and New Jersey. You can pay your electric or gas bill through their website, mobile app, or by calling their automated phone line. Payments typically post to your account within one to two business days, though the timing depends on which payment method you choose and when you submit it.

PECO is a regulated utility owned by Exelon Corporation. Their bill payment system is free to use — there are no fees for paying online, through the app, or by phone. If you pay by mail with a check, PECO provides a payment address on your bill, but that method takes longer to process.

You will need your PECO account number to set up a payment. This number appears on your bill in the upper right corner. If you do not have your bill handy, you can look up your account number on the PECO website after you log in.

Key Takeaways

• PECO Bill Pay is free and available online, through their mobile app, and by phone at 1-800-494-4000.
• You can pay with a bank account (ACH transfer) or debit card, and payments typically post within one to two business days.
• Setting up automatic recurring payments can prevent missed due dates and late fees.
• If you are having trouble paying your bill, PECO offers budget billing and hardship programs that may reduce your monthly payment amount.

Paying online through the PECO website

To pay on PECO's website, go to peco.com and click the "Pay My Bill" button. You will be asked to log in with your username and password. If you do not have an online account yet, you can create one by entering your account number and other identifying information.

Once logged in, you will see your current bill amount and due date. Click "Make a Payment" and choose your payment method: bank account (ACH) or debit card. Bank account payments are free and usually post within one business day. Debit card payments are also free but may take up to two business days. Enter the amount you want to pay and confirm the payment date.

After you submit, PECO will show you a confirmation number. Write this down or take a screenshot — you will need it if you have questions about the payment later. The confirmation email will also arrive in your inbox within a few minutes.

Using the PECO mobile app

The PECO mobile app is available on iOS and Android devices. read it from the App Store or Google Play, then log in with the same username and password you use on the website. The payment process is identical to the website: select your payment method, enter the amount, and confirm.

The app also shows your usage history, lets you report outages, and sends you notifications when your bill is ready. Some users find it faster than logging into the website each time, especially if you pay the same amount every month.

Paying by phone

You can pay your PECO bill by calling 1-800-494-4000 and following the automated prompts. Have your account number and payment method ready. The automated system accepts bank account and debit card payments. Payments made by phone typically post within one to two business days.

If you prefer to speak with a representative, you can stay on the line after the automated menu, but wait times vary. Representatives are available Monday through Friday during business hours. Weekend and evening calls may be routed to the automated system only.

Setting up automatic payments

Automatic payments remove the risk of forgetting your due date. On the PECO website or app, look for "Enroll in AutoPay" or "Automatic Payments." You can choose to pay your full bill amount each month or a fixed amount you set yourself. Payments will be deducted from your bank account or charged to your debit card on the due date (or a date you choose).

You can change or cancel automatic payments anytime through your online account. PECO will send you a confirmation email when you enroll and before each payment is processed, so you have a record of what was charged and when.

What to do if you cannot pay your full bill

If you are struggling to pay, PECO offers budget billing, which spreads your annual energy costs into equal monthly payments. This can make your bill more predictable and easier to manage. You can also ask about a payment plan, which lets you pay what you owe over several months instead of in one lump sum.

PECO also has hardship programs for customers facing financial difficulty. Contact PECO directly at 1-800-494-4000 to discuss your situation. Representatives can explain what programs may be available based on your circumstances. Some customers may also be may be able to access for bill information through local community action agencies or state programs, though PECO staff can point you toward those resources.

Common issues and what to do

If your payment does not appear on your account after the expected time, log back into your account and look for a confirmation number from your original payment. Search your email for the confirmation message PECO sent you. If you cannot find either, call 1-800-494-4000 with your account number and the date you tried to pay. A representative can trace the payment and tell you its status.

If you see a duplicate charge or a payment posted twice, do not panic. Contact PECO when ready with your confirmation numbers. They can reverse erroneous charges, though it may take a billing cycle or two to appear as a credit on your account. Keep your confirmation emails until the credit shows up.

If your online account is locked or you cannot log in, use the "Forgot Password" link on the PECO website to reset it. If that does not work, call 1-800-494-4000 and a representative can help you regain access.

Frequently Asked Questions

Is there a fee to pay my PECO bill online or by phone?

No. PECO does not charge a fee for online payments, app payments, or phone payments made through their system. Bank account (ACH) and debit card payments are both free. Paying by mail with a check is also free, but it takes longer to process.

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

Bank account payments typically post within one business day. Debit card payments may take up to two business days. Payments made on a weekend or holiday may not post until the next business day. Always pay before your due date to avoid late fees.

Can I pay someone else's PECO bill?

You can pay a bill if you have the account number and are authorized on the account. If you are not listed on the account, you will need the account holder's permission. PECO does not allow third-party payments through their standard system, so contact them directly if you need to pay for someone else.

What should I do if I think I was overcharged?

Review your bill for the billing period and usage amount. If something looks wrong, call PECO at 1-800-494-4000 and ask to speak with a representative about your charges. They can explain how your bill was calculated and investigate if there was an error. Do not stop paying your bill while disputing a charge.

Can I set up automatic payments if I do not have a bank account?

Automatic payments require either a bank account or a debit card. If you have neither, you can still pay manually each month online, by phone, or by mail. Some community organizations offer financial accounts or prepaid cards that work with automatic payment systems — ask PECO if they have referrals in your area.