How to Pay Your PECO Bill Online

What PECO Pay is and how to use it

PECO Pay is PECO Energy's online bill payment system that lets you pay your electric or gas bill through their website or mobile app without writing a check or calling a phone number. You can set up a one-time payment whenever you get a bill, or schedule automatic payments to happen on the same day each month.

PECO serves customers in Pennsylvania and New Jersey. If you receive a PECO bill, you can use PECO Pay whether you pay by bank account, debit card, or credit card. The system is free to use — PECO does not charge a fee for paying online.

Most payments process within one to two business days, though the exact timing depends on which payment method you choose and when you submit it. If your bill is due soon, PECO's website will tell you the important date for same-day processing.

Key Takeaways

• PECO Pay is free and works through the PECO website or their mobile app for customers in Pennsylvania and New Jersey.
• You can make a one-time payment or set up automatic monthly payments using a bank account, debit card, or credit card.
• Payments typically process within one to two business days, but PECO shows you the cutoff time for same-day posting.
• You need your PECO account number and routing information for your bank or card before you start.

Setting up your PECO account for online payments

Before you can pay through PECO Pay, you need to create or log into your PECO account on their website. Go to peco.com and look for the "Pay My Bill" or "My Account" section. If you do not have an online account yet, you will need to register using your PECO account number (found on your bill) and your service address.

Once you are logged in, PECO will ask you to add a payment method. You can store a bank account, debit card, or credit card on file. If you use a bank account, have your routing number and account number ready — you can find these at the bottom of any check. For a card, you will need the card number, expiration date, and CVV (the three-digit security code on the back).

PECO stores this information securely so you do not have to enter it every time you pay. You can add multiple payment methods and choose which one to use for each payment.

Making a one-time payment

Log into your PECO account and select "Pay My Bill" or "Make a Payment." PECO will show you your current balance and due date. Enter the amount you want to pay — you can pay the full balance, a partial amount, or more than you owe.

Choose your payment method from the ones you have saved, or add a new one. Select the date you want the payment to be processed. PECO will show you whether that date qualifies for same-day posting or if it will process the next business day. Review the details and confirm the payment.

You will receive a confirmation number on screen and by email. Keep this number for your records. PECO will also show the payment in your account history once it processes.

Setting up automatic monthly payments

If you want PECO to charge your account automatically each month, log into your account and look for "Autopay," "Auto Pay," or "Automatic Payments" — the exact wording varies by the PECO website version. Select this option and choose which payment method to use.

You can set the payment to go out on a specific day of the month, such as the 15th or the day your bill is due. PECO will charge that method automatically on that date each month. You can change or cancel automatic payments anytime by logging back into your account.

Automatic payments are useful if your bill amount stays roughly the same each month. If your bill varies significantly with the seasons, you may prefer to pay manually so you can adjust the amount.

Payment methods and processing times

PECO accepts three types of payment: bank account (ACH transfer), debit card, and credit card. Bank account payments are the fastest and most reliable — they typically post within one business day and carry no fees. Debit and credit card payments may take one to two business days to process.

Some credit card companies charge a cash advance fee when you use a card to pay a utility bill, even though PECO itself does not charge you. Check with your card issuer before paying with credit if you are concerned about fees.

PECO processes payments submitted before a certain cutoff time on business days as same-day posts. Payments submitted after the cutoff or on weekends and holidays process the next business day. The cutoff time appears on the payment screen when you are about to confirm, so you will always know when your payment will post.

What to do if your payment does not go through

If PECO rejects your payment, the most common reasons are an incorrect routing number, an expired card, insufficient funds, or a mismatch between the name on your account and the name on your payment method. PECO will show you an error message explaining why the payment failed.

Try the payment again with corrected information, or use a different payment method. If the problem persists, contact PECO customer service by phone (the number is on your bill) or through their website chat. Do not wait to resolve this if your bill is due soon — a failed payment does not stop your due date.

If you are having trouble accessing your account or logging in, PECO offers password reset and account recovery options on their login page. You can also call their customer service line for help regaining access.

Viewing your payment history and receipts

Log into your PECO account and navigate to "Payment History," "Transaction History," or "My Payments" — the exact label depends on your account dashboard. This section shows every payment you have made, the date it posted, the amount, and the payment method used.

You can read or print receipts from this page for your records. PECO also emails you a receipt after each payment processes. These receipts show your confirmation number, the amount paid, the date posted, and your remaining balance.

Keeping receipts is useful if you ever need to dispute a charge or prove you made a payment on time. Most online accounts let you read receipts as PDF files that you can save or print.

Frequently Asked Questions

Can I pay PECO with a credit card without a fee?

PECO does not charge you a fee to pay with a credit card. However, your credit card company may charge a cash advance fee or treat the payment as a balance transfer, which can carry interest. Check your card's terms before using it to pay a utility bill.

What happens if I pay more than I owe?

PECO will credit the overpayment to your account. You can use the credit toward your next bill, or you can request a refund. Contact PECO customer service to request a refund if you prefer not to carry a credit balance.

Can I schedule a payment for a future date?

Yes. When you make a payment through PECO Pay, you can select any future date up to a certain limit (usually 30 days ahead). PECO will process the payment on that date. This is useful if you want to time the payment with your paycheck or cash flow.

Is PECO Pay safe to use?

PECO uses encryption and security measures to protect your payment information. Your bank account and card details are stored securely and not shared with third parties. Treat your PECO login password the way you would treat a bank password — do not share it and change it periodically.

What if I need to cancel an automatic payment?

Log into your PECO account, find your automatic payment settings, and select the option to cancel or turn off autopay. The cancellation takes effect when ready for future payments. If you cancel close to your payment date, contact PECO to confirm the upcoming payment will not process.