Where to pay your Xoom Energy bill
Xoom Energy lets you pay your bill through their website, by phone, or by mail. The fastest route is online at xoomenergy.com — you can log into your account and pay immediately using a bank account or debit card. If you prefer to speak with someone, call the number on your bill to pay over the phone; a representative can process payment the same day.
For mail payments, write a check to Xoom Energy and include your account number on the check itself. Mail it to the address printed on your bill. Mail payments take longer to reach Xoom and post to your account, so plan ahead if your due date is soon.
Xoom also accepts automatic payments, which you can set up online or by phone. Automatic payments pull money from your bank account on a date you choose — usually your due date or a few days before. This removes the risk of forgetting to pay and can help you avoid late fees.
Key Takeaways
- Online payment through xoomenergy.com is the fastest option and posts to your account within one business day.
- Phone payments are processed the same day you call, and the number is on your bill.
- Automatic payments from your bank account eliminate the need to pay manually each month.
- Mail payments take seven to ten business days to arrive and post, so use this method only if you have time before your due date.
- Late fees apply if payment is not received by the due date shown on your bill, regardless of when you sent it.
Setting up online account access
To pay online, you need a Xoom Energy account. Visit xoomenergy.com and look for a "Log In" or "Sign In" link, usually at the top of the page. If you do not have an account yet, select "Create Account" or "Register" and enter your service address, account number (from your bill), and email address.
Xoom will send you a confirmation email with a link to finish setting up your account. Click that link and create a password. Once your account is active, you can log in anytime to view your bill, check your balance, and make a payment.
Keep your login information in a safe place. If you forget your password, use the "Forgot Password" link on the login page to reset it. Xoom will send a reset link to the email address on file.
Payment methods Xoom accepts
Xoom Energy takes payments by debit card, bank account (ACH transfer), and check. When you pay online or by phone, you can choose which method to use. Debit card payments post within one business day. Bank account payments also post within one business day and typically have no fee.
Some customers prefer bank account payments because they avoid card fees and feel more secure. However, you must provide your routing number and account number, so only use this method if you trust the connection is secure (use a password-protected home network, not public WiFi).
Credit card payments are not listed as an option on most Xoom websites, so check your bill or call to confirm before attempting to pay with a credit card. Some retail energy suppliers do not accept credit cards because the processing fees are higher.
What to do if you cannot pay by the due date
If you know you cannot pay by your due date, contact Xoom before the date arrives. Call the number on your bill and ask about a payment extension or a payment plan. Xoom may be able to delay your due date by a few days or spread your payment across two or more installments, depending on your account history and the amount owed.
Requesting help before you miss a payment is important because it shows good faith and gives Xoom a chance to work with you. If you wait until after the due date, late fees will be added to your bill, and your service may be at risk of disconnection.
If you are struggling with your energy costs overall, ask Xoom whether you are enrolled in any low-income assistance programs or budget billing options. Budget billing spreads your annual energy costs evenly across twelve months, which can make bills more predictable and easier to manage.
Understanding late fees and service disconnection
Xoom Energy charges a late fee if your payment is not received by the due date printed on your bill. The amount of the late fee varies by state and by Xoom's service agreement with you, so check your bill or service agreement for the exact fee. Late fees are added to your next bill.
If you remain unpaid after a certain number of days (usually 20 to 30 days past due, depending on your state), Xoom may send a disconnection notice. This notice tells you how many days you have to pay before your service is shut off. Paying immediately after receiving a disconnection notice can stop the shutoff, but you may owe a reconnection fee on top of your bill balance.
Once service is disconnected, you must pay your full balance plus any reconnection fees before Xoom will restore power. Reconnection can take one to three business days, so avoid disconnection by paying as soon as you can.
Checking your payment history and account balance
Log into your Xoom Energy account online to see your payment history and current balance at any time. Your account dashboard usually shows your last payment date, the amount paid, and your remaining balance. This is useful if you want to confirm that a payment you sent has posted or if you need to know how much you still owe.
You can also request a copy of your account history by phone. Call the number on your bill and ask a representative to email or mail you a statement showing all payments and charges for the past 12 months. This record is helpful if you are disputing a charge or need documentation for financial records.
Frequently Asked Questions
How long does it take for an online payment to show up on my account?
Online payments typically post within one business day. If you pay on a Friday evening, it may not show until Monday. If you are close to your due date, pay at least two business days early to be safe.
Can I pay my Xoom bill with a credit card?
Most Xoom Energy locations do not accept credit card payments online or by phone. Check your bill or call the customer service number to confirm what payment methods are available in your area. Some third-party payment processors may accept credit cards, but they usually charge a convenience fee.
What happens if I set up automatic payments but do not have enough money in my bank account on the payment date?
If your bank account does not have sufficient funds, the automatic payment will fail and bounce back to Xoom. You will likely be charged a failed payment fee by both your bank and Xoom. Contact Xoom immediately to reschedule the payment and avoid late fees.
Can I change my due date?
Some Xoom Energy customers can request a different due date by calling customer service. The availability of this option depends on your state and service agreement. Call the number on your bill to ask whether you can move your due date to a day that works better with your pay schedule.
Is there a way to pay less each month?
Xoom may offer budget billing, which averages your annual costs across twelve equal payments. You can also reduce your bill by using less energy — check your bill for tips on efficiency, or ask Xoom whether they offer a home energy audit or rebate program for energy-saving upgrades.