What BillMatrix is and how El Paso Electric uses it
BillMatrix is the online bill payment system that El Paso Electric Company uses to let you pay your bill from a computer or mobile device. When you log into your El Paso Electric account online, BillMatrix is the platform handling the payment processing behind the scenes. You do not need to download a separate app or sign up for a different service — it is built into the El Paso Electric website.
El Paso Electric serves customers in West Texas and Southern New Mexico. If you receive a bill from them, you can use BillMatrix to pay it without writing a check or calling a phone number. The system accepts payments from bank accounts and debit cards, and it processes most payments within one to two business days.
Key Takeaways
- BillMatrix is El Paso Electric's built-in payment system on their website — you access it by logging into your account, not through a separate app.
- You can pay with a bank account (ACH transfer) at no charge, or with a debit card, though card payments may carry a processing fee.
- Set up a one-time payment or enroll in autopay so your bill is paid automatically each month on a date you choose.
- Payments typically post within one to two business days, so plan ahead if your due date is soon.
- If you cannot access your account online, you can call El Paso Electric directly to make a payment by phone without using BillMatrix.
How to log in and make a one-time payment
Start by going to the El Paso Electric website and selecting "Pay My Bill" or "Login" from the homepage. Enter your account number and password. If you do not have an online account yet, you will need to create one first — you can do this with your account number and the zip code associated with your service address.
Once you are logged in, look for the payment option. BillMatrix will show you your current bill amount and due date. Choose "Make a Payment" or "Pay Now" and select your payment method. If you pay from a bank account (ACH), there is no fee. If you use a debit card, El Paso Electric or the payment processor may charge a convenience fee — the system will show you the fee amount before you confirm.
Enter the amount you want to pay (you can pay the full balance or a partial amount), review the details, and submit. You will receive a confirmation number. Save or print this number in case you need to reference the payment later. The money will leave your account within one to two business days.
Setting up automatic payments through BillMatrix
If you prefer not to log in each month, you can set up autopay directly in BillMatrix. After logging in, look for an option like "Autopay," "Automatic Payments," or "Recurring Payments." Select the payment method you want to use (bank account or debit card) and the date each month when you want the payment to go through.
Most people choose a date shortly after they receive their bill or shortly before the due date. If you choose a date before the due date, you avoid late fees. If you choose a date after the due date, make sure it is only a few days late, because El Paso Electric may assess a late charge if payment arrives significantly after the due date shown on your bill.
Once autopay is set up, you can still log in anytime to view your bill and payment history. You can also cancel or change your autopay settings if your circumstances change. Keep in mind that if you set up autopay and then move or close your account, you will need to cancel the recurring payment to avoid charges to an account you no longer use.
Payment methods and fees
BillMatrix accepts two main payment methods: bank account transfers (ACH) and debit cards. Bank account payments are free — El Paso Electric does not charge a fee for this option. Debit card payments may include a convenience fee charged by the payment processor, typically a small percentage of the amount you are paying. The system shows you the exact fee before you confirm the payment.
Credit cards are generally not accepted through BillMatrix for utility bill payments, though this can vary. If you want to pay with a credit card, contact El Paso Electric directly to ask about other payment options or third-party services that might accept credit cards.
If you are on a budget billing plan or have a special rate structure, your bill amount in BillMatrix will reflect that. The payment system does not change how much you owe — it only processes the amount shown on your bill.
Troubleshooting login and payment problems
If you forget your password, use the "Forgot Password" link on the El Paso Electric login page. You will be asked to verify your identity using information from your account, such as your account number and service address zip code. A password reset link will be sent to the email address on file.
If your payment is rejected, check that your bank account or debit card has sufficient funds and that the card has not expired. Some banks flag utility payments as unusual activity — if this happens, your bank may decline the transaction. Contact your bank to confirm the payment is allowed, then try again in BillMatrix.
If you cannot log into your account at all, or if BillMatrix is down for maintenance, you can always call El Paso Electric's customer service line to make a payment by phone. This is a reliable backup if you need to pay before the due date and the website is not available.
When to pay early and how to avoid late fees
Your bill shows a specific due date. If you pay through BillMatrix one to two business days before that date, your payment will arrive on time. If the due date falls on a weekend or holiday, El Paso Electric typically extends the deadline to the next business day, but do not rely on this — pay a few days early to be safe.
Late fees are assessed if your payment arrives after the due date. The amount varies, but it is usually a percentage of your bill or a flat fee. If you are struggling to pay your full bill by the due date, contact El Paso Electric before the deadline to ask about payment plans or hardship programs. Many utilities offer extended payment arrangements that prevent late fees if you are facing temporary financial difficulty.
Checking your payment history and bill details
After you log into BillMatrix, you can view your current bill and past bills. The system shows the amount due, the due date, and a breakdown of charges (if your utility provides that detail). You can also see a history of payments you have made, including the date and amount of each payment.
Keep this information for your records. If you ever dispute a charge or need to prove you paid on time, your BillMatrix payment history is the documentation you need. You can print or download statements directly from the website.
Frequently Asked Questions
Is there a fee to use BillMatrix?
No fee for using the system itself. However, if you pay with a debit card, the payment processor may charge a convenience fee. Bank account payments (ACH) are free. The fee amount appears on your screen before you confirm the payment.
How long does it take for a payment to show up in my account?
Most payments post within one to two business days. If you pay on a Friday, the payment may not appear until Tuesday. Plan ahead if your due date is coming up soon so the payment arrives on time.
Can I set up autopay and then change the payment date later?
Yes. Log into your account, find the autopay settings, and update the payment date. You can change it as often as you need to. You can also pause or cancel autopay at any time without penalty.
What do I do if my payment was rejected?
Check that your bank account or debit card has enough money and has not expired. If the card is valid and funded, contact your bank — they may have blocked the payment as suspicious activity. Once your bank approves it, try the payment again in BillMatrix.
Can I pay my El Paso Electric bill without using BillMatrix?
Yes. You can mail a check, pay by phone by calling El Paso Electric's customer service line, or pay in person at a payment location. BillMatrix is convenient, but it is not the only way to pay.