How to Pay Your PECO Energy Bill Online and by Mail

What PECO Energy Bill Pay Is

PECO Energy Bill Pay is the system PECO (Philadelphia Electric Company) uses to let you pay your electric and gas bills through their website, mobile app, or by phone. You can set up a one-time payment whenever you get a bill, or you can enroll in autopay so the same amount comes out of your bank account on the same day each month. PECO also accepts payments by mail, in person at payment centers, and through third-party services.

The main reason to use PECO's bill pay system is that it's free — there's no fee to pay online or by phone, and you can choose exactly when the payment leaves your account. If you set up autopay, you don't have to remember to pay each month.

Key Takeaways

• PECO offers free online and phone payments with no processing fee, and you can pay any time after you receive your bill.
• Autopay withdraws the same amount from your bank account on the same date each month, and you can change or cancel it anytime.
• You'll need your PECO account number (on your bill) and bank details to set up online or phone payments.
• Payments made online or by phone typically post to your account within one to two business days.
• If you can't pay the full bill, you can make a partial payment online, or contact PECO to discuss a payment plan.

How to Pay Online Through PECO's Website

Go to peco.com and look for the "Pay My Bill" or "Billing" section. You'll be asked to log in with your PECO account number and password, or to create an account if you don't have one yet. Your account number is printed on your bill in the upper right corner.

Once you're logged in, select the amount you want to pay. You can pay the full bill, a partial amount, or an amount different from what's due. Then enter your payment method — you can use a bank account (checking or savings), a debit card, or a credit card. PECO does not charge a fee for bank account payments, but some credit and debit card payments may carry a small fee depending on the card processor.

Review the payment date (the day the money will leave your account) and confirm. You'll receive a confirmation number on screen and by email. Keep this number in case you need to check on the payment later.

Setting Up Autopay for Monthly Payments

Autopay is useful if you want the same bill amount to come out automatically each month. Log into your PECO account online, go to the billing section, and look for "Autopay" or "Automatic Payments." You'll choose the payment method (bank account, debit card, or credit card) and the day of the month you want the payment to come out.

PECO will deduct the amount shown on your most recent bill each month on that date. If your bill changes, the autopay amount will change too. You can pause, change the amount, or cancel autopay anytime through your account — you don't need to call or write.

If you're on a budget billing plan (where PECO averages your bill over the year), autopay will deduct that average amount each month, which can make your budget easier to plan.

Paying by Phone or Mail

To pay by phone, call PECO's customer service line at 1-800-494-4000. A representative will take your account number and payment information over the phone. You can pay with a bank account, debit card, or credit card. Phone payments are free and typically post within one to two business days, the same as online payments.

To pay by mail, write a check or money order payable to PECO Energy Company. Include your account number on the check, and mail it to the address printed on your bill. Mail payments take longer to post — usually five to seven business days from the time PECO receives it — so send your payment early if your due date is coming up soon.

PECO also has payment centers in the Philadelphia area where you can pay in person with cash, check, or card. You can find the nearest location on peco.com or by calling customer service.

What Happens If You Can't Pay the Full Amount

You can make a partial payment online anytime — just enter the amount you want to pay instead of the full bill. The remaining balance will carry over to your next bill and will accrue interest if it stays unpaid past the due date.

If you're having trouble paying your bill, contact PECO directly at 1-800-494-4000 to discuss a payment plan. PECO may be able to spread your balance over several months so you can pay smaller amounts. Some customers may also be may be able to access for bill information programs through local nonprofits or government agencies, which PECO's customer service team can tell you about.

How Long Payments Take to Post

Online and phone payments usually post to your account within one to two business days. This means the money leaves your bank account right away, but PECO's system may not show the payment as received for a day or two. Don't make another payment if you don't see it posted when ready — check back after two business days.

Mail payments take five to seven business days from when PECO receives them. If you're mailing a payment close to your due date, it may not arrive in time to avoid a late fee. For time-sensitive payments, use online or phone pay instead.

If a payment doesn't post after the expected time, log into your account to check its status, or call customer service with your confirmation number.

Frequently Asked Questions

Is there a fee to pay my PECO bill online?

No, PECO does not charge a fee for online payments made from a bank account. Some credit and debit card payments may have a small fee added by the card processor, but PECO will tell you the fee amount before you confirm the payment.

Can I change or cancel autopay?

Yes, you can change the payment date, the amount, or cancel autopay entirely through your online account anytime. You don't need to call PECO or send a written request — the change takes effect on your next scheduled payment date.

What if I pay online but my bill still shows as unpaid?

Online payments usually post within one to two business days. If it's been longer than that, log into your account and check the payment status, or call 1-800-494-4000 with your confirmation number. The payment may still be processing.

Can I pay a bill that's already past due?

Yes, you can pay past-due amounts online, by phone, or by mail. However, late fees may have been added to your bill. If you have questions about the late fee, contact PECO customer service before paying.

What payment methods does PECO accept?

PECO accepts payments from a checking or savings account, debit card, credit card, check, money order, and cash (at payment centers). Bank account payments are free; card payments may have a small fee.