Log in to your CPS Energy account through their website or mobile app
To pay your CPS Energy bill, you first need to access your account. Go to cpsenergy.com and look for the "Login" button in the top right corner of the homepage. Enter your username and password — these are the credentials you created when you first set up your online account. If you do not have an online account yet, you can create one by clicking "Register" and following the prompts to link your service address and account number.
CPS Energy also offers a mobile app called CPS Energy Mobile, available on both iOS and Android. Download it from your device's app store, then log in with the same username and password you use on the website. Many people find the app faster for quick bill payments, especially if you pay on the go.
If you forget your password, click "Forgot Password?" on the login page. CPS Energy will send a reset link to the email address on file. Check your spam folder if you do not see it within a few minutes.
Key Takeaways
- Visit cpsenergy.com or use the CPS Energy Mobile app to log in with your username and password.
- You can pay your bill immediately after logging in using a bank account, debit card, or credit card.
- If you do not have an online account, create one at cpsenergy.com by entering your service address and account number.
- Payment typically posts within one business day, though credit card payments may take longer depending on your card issuer.
- You can set up automatic payments so your bill is paid on the same date each month without logging in.
Pay your bill after logging in
Once you are logged in, look for a "Pay Bill" or "Make a Payment" button — the exact wording varies depending on whether you are on the website or app, but it is always visible on your account dashboard. Click it to start the payment process.
CPS Energy accepts payment through a bank account (checking or savings), debit card, or credit card. If you pay with a bank account, there is no fee. If you use a debit or credit card, CPS Energy charges a processing fee that varies based on the card type — typically between 2% and 3% of your bill amount. The payment screen will show you the exact fee before you confirm.
Enter the amount you want to pay. You can pay your full bill, a partial amount, or more than you owe (the extra goes toward your next bill). Review the payment details and confirm. Your payment is processed immediately, though it may take one business day to show as posted on your account.
Set up automatic payments to avoid logging in each month
If you prefer not to log in every month, you can set up automatic payments through your CPS Energy account. After logging in, go to "Account Settings" or "Billing" (depending on whether you are on the website or app) and look for "Autopay" or "Automatic Payment."
Choose your payment method — bank account, debit card, or credit card — and the date each month when you want the payment to be taken. CPS Energy will automatically charge your account on that date for the full amount due. You can change or cancel automatic payments anytime by logging back in and adjusting your settings. This is useful if your bill amount varies month to month, because the system charges whatever your current balance is on the payment date.
What to do if you cannot log in
If you have trouble logging in, first check that you are using the correct username and password. Passwords are case-sensitive, so make sure your caps lock is not on. If you still cannot access your account, try clearing your browser's cache and cookies, then reload cpsenergy.com.
If you have a newer account, it may take up to 24 hours after you create it before you can log in. If you created your account more than a day ago and still cannot log in, contact CPS Energy customer service at 210-353-2222 (available Monday through Friday, 7 a.m. to 7 p.m. Central Time, and Saturday 8 a.m. to 5 p.m.). Have your account number and service address ready when you call.
Pay without logging in if you need to
You do not need an online account to pay your CPS Energy bill. You can pay by phone by calling 210-353-2222 and speaking with a representative. You can also pay in person at a CPS Energy payment center or authorized payment location — search "CPS Energy payment locations" online to find one near you.
Another option is to mail a check or money order to the address shown on your paper bill. Write your account number on the check and mail it to the address listed under "Payment Address" on your statement. Mail payments typically take 5 to 7 business days to reach CPS Energy and post to your account, so send it early if your due date is approaching.
Understand what information you need to log in
When you create your CPS Energy online account for the first time, you will need your service address (the address where you receive service) and your account number (found on your paper bill or in the top right corner). You will also need an email address to receive password reset links and account notifications.
After you create your account, you choose your own username and password. Your username can be anything you want — it does not have to be your name or email address. Make your password at least 8 characters long and include a mix of letters, numbers, and symbols to keep your account secure.
Troubleshoot common payment problems
If your payment is declined, the most common reasons are an expired card, insufficient funds in your bank account, or a mismatch between the address on file and your card's billing address. Check these details and try again. If the problem persists, contact CPS Energy at 210-353-2222.
If you paid your bill but it still shows as due on your account, wait one business day for the payment to post. Payments made after 5 p.m. Central Time may not post until the next business day. If more than one business day has passed and your payment still does not show, call customer service to confirm it was received.
Frequently Asked Questions
Can I pay my CPS Energy bill without creating an online account?
Yes. You can pay by phone at 210-353-2222, by mail, or in person at a CPS Energy payment center. You do not need an online account to pay your bill, though having one makes it faster and easier to check your balance anytime.
Is there a fee to pay my bill online?
There is no fee if you pay with a bank account. Credit and debit card payments include a processing fee of roughly 2% to 3% of your bill amount. The exact fee appears on the payment screen before you confirm.
How long does it take for my payment to show up after I pay online?
Payments typically post within one business day. Payments made after 5 p.m. Central Time may not post until the next business day. Credit card payments may take longer depending on your card issuer.
What should I do if I forgot my CPS Energy password?
Click "Forgot Password?" on the login page at cpsenergy.com. CPS Energy will send a reset link to your email address. Check your spam folder if you do not see it within a few minutes. If you do not receive an email, call 210-353-2222 for help.
Can I set up automatic payments for a specific amount instead of my full bill?
Automatic payments charge your full bill amount each month. If you want to pay a specific amount, you will need to log in and make a manual payment each time instead of using autopay.