How to Pay Your Spire Energy Bill Online, by Phone, or In Person

Spire's online and phone payment options let you pay your gas bill without mailing a check

Spire operates natural gas utilities in Missouri, Alabama, and Mississippi under the names Spire Inc., Laclede Gas, and Spire Alabama. You can pay your Spire bill through their website, mobile app, by phone, or in person at a payment location. Each method has different processing times and fees, so the right choice depends on when you need the payment to post and whether you want to pay a convenience charge.

Spire does not charge a fee for payments made through their website or mobile app using a bank account. Phone payments and credit or debit card payments online both carry a fee set by Spire's payment processor. In-person payments at authorized locations may also have fees depending on the location.

Key Takeaways

• Paying online through Spire's website or app with a bank account costs nothing and takes one to two business days to post.
• Phone payments and credit card payments online both charge a convenience fee, currently around 2.5% to 3% of your bill amount.
• Same-day payment is available through phone or online if you pay before the cutoff time, but same-day processing carries a higher fee.
• Spire's website is spireincorporated.com; you log in with your account number and service address to set up a one-time or recurring payment.
• If you cannot pay in full, Spire offers budget billing and payment arrangements that spread your bill over time.

Paying through Spire's website or mobile app

Go to spireincorporated.com and select "Pay My Bill" or use the Spire mobile app, available on iOS and Android. You will need your account number, which appears on your bill, and your service address. Create a login if you do not already have one, or sign in with your existing credentials.

Choose whether to make a one-time payment or set up automatic recurring payments. If you choose recurring, you can select the payment date and amount. Enter your bank account information (routing number and account number) or use a saved payment method. Bank account payments process in one to two business days and have no fee. Credit or debit card payments process when ready but charge a convenience fee.

After you submit, Spire sends a confirmation to your email. Keep this confirmation until the payment posts to your account. You can view your payment history and upcoming bills in your online account at any time.

Paying by phone

Call Spire's customer service line at 1-800-752-4357 (Missouri), 1-800-763-8770 (Alabama), or 1-888-743-7743 (Mississippi). Have your account number ready. A representative will confirm your account, discuss your balance, and process your payment over the phone.

Phone payments are processed when ready and post the same day if made before the cutoff time, which varies by location. Phone payments charge a convenience fee. Standard phone payments typically cost around 2.5% to 3% of your bill; expedited same-day payments cost more. Ask the representative for the exact fee before authorizing the payment.

Payment timing and processing

The method you choose affects how long your payment takes to reach Spire and whether you pay a fee. Bank account payments through the website or app are free but take one to two business days. Credit card and phone payments post the same day if made before the cutoff time, but both charge a convenience fee. In-person payments also post the same day and may have a location-specific fee.

Payment Method	Processing Time	Fee
Online or app with bank account	1–2 business days	None
Online or app with credit/debit card	when ready	2.5–3% of bill
Phone with bank account	Same day (before cutoff)	2.5–3% of bill
Phone with credit/debit card	Same day (before cutoff)	2.5–3% of bill or higher
In-person at authorized location	Same day	Varies by location

If your bill is due soon and you need the payment to post quickly, phone payment or online credit card payment will reach Spire the same day. Bank account payments through the website or app take longer but cost nothing. Plan ahead if you are paying by mail or bank transfer, as these methods can take five to seven business days.

In-person payment locations

Spire accepts in-person payments at authorized payment centers in your area. These locations vary by state and may include utility offices, check-cashing services, or other authorized retailers. Visit spireincorporated.com and use the payment location finder, or call customer service to find the nearest location to you.

Bring your account number and the amount you wish to pay. In-person payments post the same day. Some locations charge a fee for this service; ask before paying. Hours and accepted payment methods vary by location.

Setting up automatic or recurring payments

Automatic payments deduct your bill amount from your bank account on a date you choose each month. This prevents missed payments and late fees. Set up automatic payments through your online account or by calling customer service.

You can change or cancel automatic payments at any time through your online account or by calling. Spire will send you a reminder before each automatic payment is processed. If your bill amount varies month to month, you can set a fixed amount or allow it to adjust based on your actual usage.

What to do if you cannot pay in full

Spire offers budget billing, which spreads your annual gas costs into equal monthly payments. This smooths out seasonal price swings and makes budgeting easier. You can enroll in budget billing through your online account or by calling customer service.

If you are behind on your bill, Spire can set up a payment arrangement that lets you pay what you owe over several months. Contact Spire's customer service to discuss your situation and work out a plan. Payment arrangements may require a deposit or have other terms depending on your account history and the amount owed.

Frequently Asked Questions

What is the fee for paying with a credit card online?

Spire charges a convenience fee for credit and debit card payments, typically around 2.5% to 3% of your bill. The exact fee is shown before you confirm the payment. Bank account payments online have no fee.

Can I pay my Spire bill through a third-party bill pay service?

Many banks and bill pay services allow you to send a check or electronic payment to Spire on your behalf. Contact your bank to see if they offer this option. Processing times vary depending on the method your bank uses.

What happens if I miss my due date?

Spire charges a late fee if your payment is not received by the due date shown on your bill. The amount varies. If you miss a payment, pay as soon as possible and contact Spire to discuss your account status and any options for avoiding service interruption.

Can I pay someone else's Spire bill?

You can pay another person's bill if you have their account number and service address. Call Spire customer service or use their website to make a one-time payment toward that account. The account holder may need to authorize this depending on the account setup.

Is my payment information find when I pay online?

Spire's website uses encryption to protect your payment and account information. Never share your login credentials or account number by email or phone unless you initiated the contact. Spire will never ask for sensitive information by email.