How to Pay Your PECO Bill Online

What PECO Online Bill Pay is and how to use it

PECO Online Bill Pay is the bill payment system run by PECO Energy Company, which serves electricity and natural gas customers in southeastern Pennsylvania and southern New Jersey. You can pay your bill through their website or mobile app without mailing a check or calling a phone line. Payments go directly to your PECO account and typically post within one to two business days.

To pay online, you log into your PECO account on their website (peco.com) or read the PECO mobile app, then select the amount you want to pay and choose your payment method. PECO accepts bank account transfers (ACH), debit cards, and credit cards. You can pay your full bill balance, a partial amount, or set up automatic recurring payments so the same amount withdraws on a date you choose each month.

The system shows your current balance, due date, and payment history in one place. If you have questions about a charge on your bill or need to dispute something, you can contact PECO customer service through the same account portal or by phone at 1-800-494-4000.

Key Takeaways

• PECO Online Bill Pay lets you pay through their website or mobile app using a bank account, debit card, or credit card.
• Payments typically post to your account within one to two business days of submission.
• You can pay your full balance, a partial amount, or set up automatic monthly payments from your account dashboard.
• PECO does not charge a fee to pay by bank transfer (ACH), but credit and debit card payments may carry a processing fee depending on your payment method.

Setting up your PECO account for online payments

Before you can pay online, you need a PECO account registered in your name. If you are a current PECO customer, you may already have one. Go to peco.com and look for a "Log In" or "My Account" button. If you do not have an account yet, select "Create Account" or "Register" and enter your account number (found on your bill), your service address, and your email address.

PECO will send you a verification code by email or text message. Enter that code to confirm your identity. Then create a username and password. Once your account is set up, you can log in anytime to view your bill, make a payment, or change your account settings.

If you cannot find your account number or do not remember your password, PECO's website has a "Forgot Username" or "Forgot Password" link on the login page. You can also call customer service at 1-800-494-4000 to verify your identity and reset your login information.

Payment methods and processing times

PECO Online Bill Pay accepts three types of payment: bank account transfers (ACH), debit cards, and credit cards. Bank transfers are the most common and typically have no fee. Debit and credit card payments may include a processing fee charged by the payment processor; PECO's website will show you the fee amount before you confirm the payment.

Payments submitted before 5 p.m. Eastern Time on a business day usually post to your account the next business day. Payments submitted after 5 p.m. or on a weekend or holiday may not post until the following business day. PECO does not process payments on Saturdays, Sundays, or federal holidays, so plan ahead if your due date falls on or near a holiday.

If you set up automatic recurring payments, PECO will withdraw the same amount on the same date each month (or the next business day if that date falls on a weekend or holiday). You can change or cancel automatic payments anytime through your account dashboard.

Automatic payment setup and changes

To set up automatic payments, log into your PECO account and look for an option like "Autopay," "Recurring Payments," or "Automatic Bill Payment." Select the amount you want to pay each month, the date you want it to withdraw, and your payment method. PECO will confirm the setup and send you an email receipt.

Automatic payments continue every month until you cancel them. To change the amount, date, or payment method, go back to your account settings and update the information. To stop automatic payments, select "Cancel" or "Remove" next to the recurring payment. Changes usually take effect within one to two business days.

If you want to make a one-time payment in addition to your automatic payment, you can do that through the "Make a Payment" option without affecting your recurring setup. This is useful if you want to pay extra toward your balance in a particular month.

What to do if your payment does not go through

If you submit a payment and it does not post within the expected timeframe, first check your account dashboard to see the payment status. PECO shows whether a payment is pending, processed, or failed. If the status says "failed," the most common reasons are an incorrect bank account number, insufficient funds, or an expired card.

If your payment failed, try submitting it again with corrected information. Make sure your bank account number, routing number, or card details are entered exactly as they appear on your statement. If you are unsure whether your bank account information is correct, contact your bank directly.

If a payment shows as processed but you do not see it reflected in your account balance, wait one additional business day. If it still does not appear, contact PECO customer service at 1-800-494-4000 with your payment confirmation number (shown on your receipt). A representative can look up the payment and confirm when it will post.

Security and protecting your account information

PECO uses encryption to protect your login information and payment details when you use their website or app. Always log in through the official PECO website (peco.com) or the official PECO mobile app, not through a link in an email or text message, to avoid phishing scams.

Change your password regularly and use a strong password that includes uppercase and lowercase letters, numbers, and symbols. Do not share your username or password with anyone, and do not use the same password for your PECO account as you use for other accounts.

If you notice an unauthorized payment or suspicious activity on your account, contact PECO customer service when ready at 1-800-494-4000. Report the issue as soon as possible so PECO can investigate and help protect your account.

Frequently Asked Questions

Is there a fee to pay my PECO bill online?

Bank account transfers (ACH) have no fee. Credit and debit card payments may include a processing fee, which PECO shows you before you confirm the payment. The fee amount varies depending on the payment processor.

Can I pay a bill that is not due yet?

Yes. You can pay your bill anytime through PECO Online Bill Pay, even if it is not due for several weeks. Paying early does not affect your service or your account status.

What happens if I pay after my due date?

If your payment posts after the due date shown on your bill, PECO may charge a late fee. Contact PECO customer service to ask about the late fee or to discuss a payment arrangement if you are having trouble paying on time.

Can I see my payment history online?

Yes. Your PECO account dashboard shows all payments you have made, including the date, amount, and payment method. You can view this history anytime by logging into your account.

What should I do if I forget to pay my bill?

Log into your PECO account and make a payment when ready. As long as your payment posts before PECO disconnects your service, your account will remain active. If your service has already been disconnected, contact PECO at 1-800-494-4000 to discuss reconnection options.