The fastest way to pay FPL is online through their website or mobile app, by phone, or by mail — and the method you choose affects when the payment posts to your account.

Florida Power & Light processes payments through several channels, each with different timing and fees. Online and mobile app payments usually post the same day if submitted before 5 p.m. Eastern time on a business day. Phone payments and automatic bank transfers also post quickly, often within one business day. Mail payments take 7 to 10 business days to reach FPL's processing center, so if your bill is due soon, mail is the slowest option.

FPL does not charge a fee for payments made through their official website, mobile app, or by phone to their automated system. If you use a third-party payment processor or pay by phone with a representative, a small fee may apply — the company will tell you the amount before you confirm. Automatic bank transfers from your checking or savings account are also free.

Key Takeaways

  • Pay online at fpl.com, through the FPL mobile app, or by calling 1-800-226-3545 to reach the automated payment system — all post within one business day and charge no fee.
  • Set up automatic payments from your bank account to avoid late fees and ensure your bill is paid on time every month.
  • Mail payments take 7 to 10 business days to process, so do not use mail if your due date is within two weeks.
  • If you cannot pay your full bill by the due date, contact FPL before the deadline to ask about payment arrangements or hardship programs.

Paying online or through the FPL mobile app

Log into your FPL account at fpl.com using your account number and password. If you do not have an online account, you can create one by entering your account number, service address, and ZIP code. Once logged in, select "Pay My Bill" and enter the amount you want to pay — you can pay the full balance, a partial amount, or set up a one-time payment for a future date.

The FPL mobile app works the same way and is available on iOS and Android. Payments submitted before 5 p.m. Eastern time on a business day post the same day. If you submit a payment after 5 p.m. or on a weekend or holiday, it posts the next business day. You will receive a confirmation number immediately after payment, and FPL will send you an email receipt within a few hours.

Automatic payments from your bank account

Automatic payments remove the risk of forgetting a due date and ensure your bill is paid on time every month. Set up autopay through your FPL online account by going to "Billing & Payment" and selecting "Automatic Payments." You will need your checking or savings account number and routing number. Choose the date you want the payment to come out each month — FPL recommends selecting a date a few days before your due date to account for processing time.

You can change or cancel automatic payments anytime through your online account. If you want to skip a payment or adjust the amount for a particular month, you can do that without canceling the entire arrangement. FPL will send you a reminder email before each automatic payment is processed.

Paying by phone

Call FPL's automated payment line at 1-800-226-3545 to pay by phone without speaking to a representative. You will need your account number and a debit or credit card. The automated system will confirm the amount and posting date before you complete the transaction. Payments made before 5 p.m. Eastern time on a business day post the same day.

If you prefer to speak with someone, you can call the same number and ask to be transferred to a representative. They can help you set up a payment plan if you cannot pay your full bill, or answer questions about your account. Wait times are usually shorter early in the morning or late in the afternoon on weekdays.

Paying by mail

If you prefer to pay by check or money order, mail your payment to the address printed on your bill. Include your account number on the check or money order, and mail it at least 10 days before your due date to ensure it arrives and posts on time. FPL's mailing address is printed on your paper bill; do not send payment to the address listed for questions or disputes.

Keep a copy of your check or money order for your records. If you are concerned about whether your payment arrived, you can log into your online account a few days after mailing to confirm the payment has posted. If it has not posted within 10 business days, contact FPL to report the missing payment.

What to do if you cannot pay by the due date

If you know you cannot pay your full bill by the due date, contact FPL before the deadline. Call 1-800-226-3545 or log into your account online to request a payment arrangement. FPL can extend your due date by up to 16 days without charging a late fee, though this option is usually available only once per year.

If you are struggling with your bill because of a financial hardship, FPL offers a hardship program that may lower your monthly payment or provide other relief. You can ask about this program when you call to discuss a payment arrangement. FPL also partners with local community action agencies that may offer bill payment assistance — you can find a local agency through the Community Action Partnership website.

Understanding your due date and late fees

Your due date is printed on your bill, usually 20 to 25 days after the bill is issued. If you pay after the due date, FPL charges a late fee of 1.5% of your bill amount, with a minimum of $5. The late fee is added to your next bill. If your payment is more than 30 days late, FPL may disconnect your service — the company will send you a disconnect notice at least 10 days before turning off your power.

If you receive a disconnect notice, you can avoid service interruption by paying your full past-due balance plus any late fees before the date listed on the notice. If you cannot pay the full amount, contact FPL immediately to discuss a payment plan or hardship program.

Frequently Asked Questions

Can I pay my FPL bill with a credit card?

Yes, you can pay with a credit or debit card through the FPL website, mobile app, or by phone. FPL does not charge a fee for credit or debit card payments made through their official channels. Some third-party payment processors charge a fee, so confirm the amount before you submit payment.

What happens if I pay online but my payment does not post by the due date?

If you submit payment before 5 p.m. Eastern time on a business day, it posts the same day and counts as on-time. If you submit after 5 p.m. or on a weekend, it posts the next business day. If the next business day is after your due date, you may be charged a late fee. To avoid this, submit online payments at least one business day before your due date.

Can I set up automatic payments for a different amount each month?

Automatic payments are set for a fixed amount each month. If your bill varies significantly, you can adjust the autopay amount through your online account whenever you need to. Alternatively, you can make one-time manual payments for months when your bill is higher than usual.

Is there a way to pay my bill in person at an FPL office?

FPL does not accept in-person payments at their offices. You can pay online, by phone, by mail, or through automatic bank transfer. Some community action agencies and local utility payment centers may accept FPL payments on your behalf — contact your local agency to ask.

What should I do if I think FPL charged me a late fee by mistake?

Log into your online account and review your payment history to confirm when your payment posted. If you believe the late fee was applied in error, call FPL at 1-800-226-3545 and ask to speak with a billing representative. Have your account number and a record of when you submitted the payment ready to share.