The fastest way to pay PECO online is through their website or mobile app, both of which let you pay immediately without leaving your home

PECO (Philadelphia Electric Company) offers three main online payment routes: their website at peco.com, their mobile app, or through your bank's bill pay system. All three process payments the same day you submit them if you pay before 8 p.m. Eastern time on a business day. You'll need your PECO account number (found on your bill) and a valid payment method — debit card, credit card, or bank account.

The website and app are the most direct: you log in, enter the amount you want to pay, choose your payment method, and confirm. Your payment posts within 24 hours. If you use your bank's bill pay instead, the payment takes 3 to 5 business days to reach PECO, so plan ahead if your due date is soon.

Key Takeaways

  • PECO's website (peco.com) and mobile app both process payments the same day if submitted before 8 p.m. Eastern time on a business day.
  • You can pay with a debit card, credit card, or bank account information — no account creation is required if you use a one-time payment option.
  • Bank bill pay takes 3 to 5 business days, so use the PECO website or app if your due date is within a week.
  • PECO does not charge a fee for online payments made through their website or app, but some credit card processors may charge a convenience fee.

Paying through PECO's website without creating an account

You do not need to create a PECO online account to make a one-time payment. Go to peco.com, look for "Pay My Bill" or "Make a Payment" at the top of the page, and select the option for a guest or one-time payment. Enter your account number (the 10-digit number on your bill), the amount you want to pay, and your payment method.

PECO will ask for the name and address on your account to verify your identity. Once you confirm the payment details, the transaction is complete. You'll receive a confirmation number on screen and by email. Keep that confirmation number in case you need to reference the payment later.

Using the PECO mobile app for faster payments

The PECO app (available on iOS and Android) works the same way as the website but is often faster if you're paying from your phone. Download the app, tap "Pay My Bill," and enter your account number. You can save your payment method in the app so future payments require fewer steps.

The app also shows your current balance, usage history, and due date at a glance. If you set up an account in the app, you can turn on automatic payments so your bill is paid on the same day each month without you having to log in.

Setting up automatic payments to avoid missed due dates

Both the PECO website and app let you schedule automatic payments on a date you choose each month. This is useful if you want to pay on payday or a few days before your due date. Go to your account settings, select "Automatic Payments" or "Recurring Payments," and choose the amount and date.

You can change or cancel automatic payments anytime through your account. PECO will send you a reminder email before each automatic payment is processed. If your bill amount varies month to month (which is common for electric bills), you can set a fixed amount and adjust it manually when needed, or let the automatic payment match your full bill each month.

Paying by bank account versus credit or debit card

PECO does not charge a fee for any online payment method. However, if you pay with a credit card, some credit card processors charge a convenience fee of 2 to 3 percent of the payment amount. Paying with a debit card or bank account avoids this fee.

Bank account payments (also called ACH payments) are the cheapest option and process the same day as credit or debit card payments through PECO's website or app. If you're concerned about overdrafts, verify your account balance before submitting a bank account payment, since the money is withdrawn within 24 hours.

What to do if your payment doesn't go through

If your online payment is declined, PECO will tell you why on the screen — usually an expired card, incorrect billing address, or insufficient funds. Try again with a different payment method or contact PECO's customer service at 1-800-494-4000 to troubleshoot.

If you submitted a payment and don't see it reflected on your account within 24 hours, check your confirmation number and contact PECO with that number. Payments made through your bank's bill pay system take longer (3 to 5 business days), so don't assume it failed if it doesn't show up immediately. PECO's customer service can confirm whether the payment was received.

Paying PECO by phone or mail if online isn't an option

If you don't have internet access or prefer not to pay online, you can call PECO at 1-800-494-4000 to pay by phone with a debit or credit card. There is no fee for phone payments. A representative will walk you through the process and provide a confirmation number.

You can also mail a check or money order to the address on your bill. Include your account number on the check and allow 7 to 10 business days for the payment to be processed. Mailing a payment is the slowest option, so use it only if you're paying well before your due date.

Frequently Asked Questions

Does PECO charge a fee to pay online?

PECO does not charge a fee for payments made through their website or app using a debit card or bank account. Credit card payments may include a convenience fee from the card processor, typically 2 to 3 percent. Phone and mail payments are also free.

How long does it take for an online payment to show on my account?

Payments made through PECO's website or app post within 24 hours. Payments made through your bank's bill pay system take 3 to 5 business days. If you're paying close to your due date, use PECO's website or app to avoid late fees.

Can I pay someone else's PECO bill online?

You can pay another person's bill if you have their account number, but PECO's system is designed for account holders. For regular payments on someone else's account, contact PECO at 1-800-494-4000 to set up authorized user access or discuss payment arrangements.

What if I want to pay only part of my bill?

You can enter any amount you want when you make an online payment — it does not have to be your full bill. PECO will apply the partial payment to your account, but you'll still owe the remaining balance by your due date to avoid late fees.

Is my payment information safe on the PECO website?

PECO uses encryption and security protocols to protect payment information. Never share your account number or payment details with anyone claiming to represent PECO unless you initiated the contact. Scammers sometimes pose as utility companies, so verify you're on the real PECO website before entering payment information.