What FPU Bill Pay is and how to use it
FPU Bill Pay is Florida Public Utilities Company's online payment system that lets you pay your electric bill through their website or mobile app without writing a check or calling a phone number. You can set up a one-time payment, schedule recurring payments for the same day each month, or pay immediately if your bill is due soon.
The system accepts payments from a checking or savings account, and most payments post within one business day. You do not need to create a separate account — you log in using your FPU account number and the phone number or email address on file with the utility.
FPU Bill Pay is free to use. There are no fees for paying online, whether you choose a bank transfer or a credit card (though some credit card processors may charge a convenience fee, which FPU will disclose before you confirm the payment).
Key Takeaways
- FPU Bill Pay works through the FPU website or their mobile app, and you log in with your account number and contact information on file.
- You can pay immediately, schedule a payment for a future date, or set up automatic monthly payments on the same day each month.
- Payments from a bank account are free and usually post within one business day; credit card payments may carry a processor fee.
- If you miss a payment deadline or want to avoid online payment altogether, you can still pay by mail, phone, or in person at an FPU office.
- Setting up automatic payments reduces the risk of late fees and service disconnection, but you should still review your bill each month for accuracy.
How to set up a one-time payment through FPU Bill Pay
Go to the FPU website and select "Pay My Bill" or open the FPU mobile app. Enter your account number and the phone number or email address associated with your account. You will receive a one-time code by text or email — enter that code to log in.
Once logged in, select "Make a Payment" and choose the payment date. If you want to pay today, select the current date. If your bill is not due for another week, you can schedule the payment for the due date instead. Enter the amount you want to pay (the full bill amount will appear as a suggestion, but you can pay less if you choose).
Select your payment method: bank account or credit card. If you choose a bank account, provide your routing number and account number. If you choose a credit card, enter the card number, expiration date, and CVV. Review the details and confirm the payment. You will receive a confirmation number by email.
Setting up automatic monthly payments
Automatic payments remove the step of logging in each month and reduce the chance of a late payment. To set this up, log into FPU Bill Pay, select "Manage Autopay," and choose the day of the month you want the payment to come out (for example, the 15th or the due date shown on your bill).
Select your payment method and confirm. FPU will deduct the full bill amount from your account on that day each month, unless you manually adjust the payment amount or pause the service. You can change or cancel automatic payments at any time through the same menu.
If your bill amount varies month to month (which is common for electric bills that depend on usage and season), automatic payments will charge whatever the current bill is. This means you do not have to worry about overpaying or underpaying — the amount adjusts automatically.
Payment methods and timing
FPU Bill Pay accepts payments from a U.S. checking or savings account and from Visa, Mastercard, American Express, and Discover credit cards. Payments from a bank account are free and post within one business day. Payments from a credit card may include a convenience fee set by the card processor; FPU will show you the fee amount before you confirm the payment.
If you schedule a payment for a future date, FPU will deduct the money from your account on that date, not when you set it up. This means if you schedule a payment for the 20th, your bank will not see the charge until the 20th. Plan ahead if you have a tight cash flow — do not schedule a payment for a date when you know your account will be low.
Payments must be scheduled at least one business day before your due date to post on time and avoid a late fee. If your bill is due tomorrow, you should pay today or call FPU directly at the phone number on your bill to make an immediate payment over the phone.
What to do if you cannot pay online
If you do not have internet access, do not have a bank account, or prefer not to use FPU Bill Pay, you have other options. You can mail a check or money order to the address shown on your bill — include your account number on the check. Mail payments take longer to post (usually 7 to 10 business days), so send them early if your due date is soon.
You can also call FPU's customer service line (the number is on your bill) and pay over the phone using a bank account or credit card. Some FPU offices accept in-person payments during business hours; check the FPU website for office locations and hours near you.
If you are struggling to pay your bill in full, FPU offers payment plans and hardship programs for customers facing financial difficulty. Contact FPU directly to discuss your situation — they may be able to spread your bill over several months or connect you with local assistance programs.
Troubleshooting common FPU Bill Pay problems
If you forget your account number, look at a recent bill — it appears at the top. If you do not have a bill handy, call FPU customer service and they will provide it. If you do not remember the phone number or email on file with FPU, call customer service to update your contact information before you try to log in.
If you receive an error message when you try to pay, check that your bank account or credit card information is correct, including the routing number and account number for a bank account. If the information is correct and the error persists, try again in a few minutes — the system may be temporarily unavailable. If the problem continues, call FPU customer service.
If a payment you scheduled did not post on the expected date, log back into FPU Bill Pay and check the payment status. Payments usually post within one business day, but weekends and holidays can delay posting. If more than two business days have passed, contact FPU to confirm the payment went through.
Frequently Asked Questions
Can I change or cancel a payment I already scheduled?
Yes, as long as the payment has not already posted to your account. Log into FPU Bill Pay, find the scheduled payment, and select "Cancel" or "Edit." If the payment has already posted, you cannot cancel it through the website — call FPU customer service to discuss a refund or credit.
What happens if I set up automatic payments but my bill is wrong?
Automatic payments will still deduct the full bill amount from your account each month. If you believe your bill is incorrect, contact FPU to dispute the charge before the payment date. You can also pause automatic payments temporarily while the dispute is being reviewed, then restart them once it is resolved.
Is FPU Bill Pay safe to use?
FPU Bill Pay uses encryption to protect your account number and payment information. Your bank account or credit card details are not stored on FPU's servers — they are processed by a secure third-party payment processor. Treat your FPU account login the same way you would treat your online banking login: use a strong password and do not share it.
Can I pay someone else's FPU bill through Bill Pay?
No, you can only pay a bill if you are the account holder or an authorized user on the account. If you want to pay a family member's bill, ask them to add you as an authorized user, or have them set up a payment themselves and give you the confirmation number.
What if I pay my bill but FPU still sends a disconnection notice?
Contact FPU immediately with your payment confirmation number. If the payment has not posted yet, FPU may not have recorded it in their system. Provide proof of payment (the confirmation email or number from Bill Pay) and ask them to hold off on disconnection while they verify the payment.