How to Pay Your TECO Energy Bill Online and by Phone

What TECO Bill Pay is and how to use it

TECO Energy (Tampa Electric Company) offers bill payment through their website, mobile app, and phone line. You can pay your electric bill without setting up automatic payments, or you can arrange recurring payments to happen on a schedule you choose. Payment is processed the same day if you pay before 5 p.m. Eastern Time on a business day; payments made after that time or on weekends are processed the next business day.

TECO serves customers in central Florida, primarily in the Tampa Bay area. If you receive a TECO bill, you have a TECO account number printed on it — this is what you'll need to make a payment through any of their channels.

Key Takeaways

• You can pay TECO bills online at teco.net, through the TECO mobile app, or by calling 1-888-891-8326 without creating an account.
• Same-day processing happens only for payments made before 5 p.m. Eastern Time on business days; weekend and after-hours payments process the next business day.
• One-time payments and automatic recurring payments are both available, and you can set up autopay to occur on any date between the 1st and the 28th of each month.
• TECO accepts payment by bank account (ACH), debit card, and credit card, though credit card payments may carry a processing fee.
• You can view your bill, payment history, and account balance through the same online portal or app where you make payments.

Paying online through the TECO website or app

The TECO website at teco.net has a "Pay My Bill" section visible from the homepage. You do not need to log in or create an account to make a one-time payment — you can enter your account number and pay as a guest. If you want to set up automatic payments or view your payment history, you will need to create an account with a username and password.

The TECO mobile app (available on iOS and Android) offers the same payment options as the website. You can read it from the App Store or Google Play by searching "TECO Energy." Once installed, you can pay without logging in, or log in to manage recurring payments and view your account details.

For a one-time payment online or in the app, you will need your account number (found on your bill), the amount you want to pay, and your payment method. The system will ask you to confirm the payment amount and processing date before finalizing the transaction.

Paying by phone

You can call TECO's automated payment line at 1-888-891-8326 to pay by phone 24 hours a day, 7 days a week. The system is automated, so you do not need to speak to a representative unless you choose to. Have your account number and payment method ready.

If you prefer to speak with a customer service representative, you can call the same number and select the option to be transferred. Representatives are available Monday through Friday, 7 a.m. to 7 p.m. Eastern Time, and Saturday 8 a.m. to 5 p.m. Eastern Time. Sunday hours vary by season.

Payment methods and fees

TECO accepts payment by bank account (ACH transfer), debit card, and credit card. Payments from a bank account typically have no fee. Debit card payments may carry a small processing fee depending on your bank and the payment processor TECO uses. Credit card payments usually include a processing fee — the exact amount varies and is shown to you before you confirm the payment.

If you are unsure whether a fee applies to your chosen payment method, the online system and phone line both display the fee (if any) before you complete the transaction, so you can see the total amount that will be charged.

Setting up automatic payments

Automatic payments (autopay) can be set up through your online account or the mobile app. You choose the payment method (bank account, debit card, or credit card), the amount (your full bill or a fixed amount you set), and the date each month when the payment should process. You can select any date between the 1st and the 28th of the month.

Once autopay is active, you can view upcoming scheduled payments in your account. You can pause, change, or cancel autopay at any time through the same online portal or app. If you cancel autopay, you will need to make manual payments for future bills.

Viewing your bill and payment history

When you log into your TECO account online or in the app, you can see your current bill, past bills, and a record of all payments you have made. Your account also shows your current balance, due date, and any past-due amounts. You can read or print bills from the online portal if you need a copy for your records.

If you do not have an online account, you can still view your current bill by entering your account number on the "Pay My Bill" guest page, though you will not see your full payment history without logging in.

What to do if your payment does not go through

If a payment fails — for example, because of insufficient funds or an expired card — TECO will typically send you a notification by email or phone (depending on your account settings). Check your account online or call 1-888-891-8326 to confirm whether the payment was processed.

If a payment was declined, you can try again with the same method or switch to a different payment method. If you are having repeated issues, contact TECO customer service to discuss your account. Do not ignore a failed payment, as your bill will remain due and late fees may explore if it is not paid by the due date.

Frequently Asked Questions

Can I pay my TECO bill without creating an account?

Yes. You can make a one-time payment as a guest on the website or app by entering your account number, or you can call 1-888-891-8326 to pay by phone without logging in. You only need an account if you want to set up automatic payments or view your payment history.

What time do I need to pay to have it processed the same day?

Payments made before 5 p.m. Eastern Time on a business day (Monday through Friday) are processed the same day. Payments made after 5 p.m. or on weekends are processed the next business day. Holidays may also delay processing.

Is there a fee to pay my TECO bill online?

Bank account (ACH) payments typically have no fee. Debit and credit card payments may include a processing fee, which varies and is shown to you before you confirm the payment. You can see the exact fee for your chosen payment method before completing the transaction.

Can I set up automatic payments for a specific amount instead of my full bill?

Yes. When you set up autopay, you can choose to pay your full bill each month or enter a fixed amount. If you choose a fixed amount, you will be responsible for paying any remaining balance separately.

What should I do if I think my payment was not processed?

Log into your account online or call 1-888-891-8326 to check your payment status and account balance. If the payment failed, you will see a notification and can attempt payment again with a different method if needed.