Payment methods PECO accepts
PECO accepts payment through several channels, and you can choose whichever fits your routine. You can pay online through your PECO account, by phone, by mail, or in person at a payment location.
The fastest option is online at peco.com. Log in to your account, select "Pay My Bill," and enter your payment amount and method. You can pay with a debit card, credit card, or bank account. Online payments typically post within one business day.
By phone, call PECO's automated payment line at 1-800-494-4000. You will need your account number and a debit card, credit card, or bank account information. Phone payments also post within one business day.
If you prefer to mail a check, send it to the address printed on your bill. Include your account number on the check and allow 7 to 10 business days for the payment to reach PECO and post to your account.
Key Takeaways
- Online and phone payments post within one business day, while mailed checks take 7 to 10 business days to clear.
- You can pay with a debit card, credit card, or bank account through any method except mail.
- PECO charges a fee for credit card payments but not for debit card or bank account payments.
- Setting up automatic payments through your bank account removes the need to remember a due date each month.
- Your account number appears on your bill and is required for all payment methods.
Automatic payments and budget billing
If you want to stop thinking about your bill each month, automatic payments let PECO withdraw money from your bank account on a date you choose. Set this up through your online account under "Billing & Payments," or call 1-800-494-4000 to enroll by phone.
You can change or cancel automatic payments anytime through your account. PECO will send you a confirmation email when the payment is processed.
Budget billing is different from automatic payments. It spreads your annual energy costs evenly across 12 months, so your bill stays roughly the same each month instead of spiking in winter or summer. You still choose how to pay — online, by phone, or by mail — but the amount owed is more predictable. Ask PECO whether you are may be able to access; some customers with very new accounts or recent payment issues cannot enroll.
What to do if you cannot pay on time
If you know your payment will be late, contact PECO before the due date. Call 1-800-494-4000 and ask about a payment arrangement. PECO may be able to extend your due date or set up a plan to pay the balance over several weeks.
If your bill is overdue and you are struggling with energy costs, PECO runs the Customer Assistance Program (CAP), which offers discounted rates and bill forgiveness for households that meet income limits. You can learn more about CAP through PECO's website or by calling 1-800-494-4000.
Do not ignore a disconnection notice. PECO must send written notice before shutting off service, and that notice includes the date service will end. If you receive one, call immediately — even a partial payment or a payment arrangement can stop a disconnection.
Understanding payment posting and due dates
Your bill shows a due date, usually 20 to 25 days after the bill is issued. Payment is considered on time if it posts to your account by that date, not if you send it on that date.
Online and phone payments post within one business day. If you pay on a Friday evening, it may not post until Monday. Mailed checks take longer — allow at least 10 business days from the time you mail it. If your due date is coming up and you are mailing a check, use online or phone payment instead to avoid a late fee.
PECO charges a late fee if your payment does not post by the due date. The fee amount is shown on your bill. Paying even one day late triggers the fee, so if you are cutting it close, use a faster payment method.
Paying in person at PECO locations
PECO does not operate walk-in payment centers, but you can pay in person at certain retail locations in your area. Check peco.com for a list of authorized payment agents near you — these are usually check-cashing services or convenience stores.
Bring your account number and the amount you want to pay. The agent will process the payment and give you a receipt. Ask how long it takes for the payment to post to your PECO account; this varies by location but is usually 1 to 3 business days.
Paying with a credit card or third-party service
PECO accepts credit card payments online and by phone, but charges a fee for this service. The fee is typically 2 to 3 percent of the payment amount and is added to your bill. If you pay $200 with a credit card, you might pay an additional $4 to $6 in fees.
Debit card and bank account payments have no fee. If you have a credit card rewards program that gives you cash back or points, you may decide the fee is worth it — but do the math first. A 2 percent fee on a $200 payment costs more than most rewards programs return.
Third-party payment services like PayPal or Venmo do not work directly with PECO. If a service claims to pay PECO bills, verify it is legitimate before entering your account information.
Reviewing your payment history
Log into your PECO account anytime to see which payments have posted and which are pending. Your online account shows the date each payment was received, the amount, and the method used.
If a payment does not appear within the expected timeframe, contact PECO at 1-800-494-4000. Have your account number ready and the date you made the payment. PECO can trace the payment and tell you whether it is still processing or if there was an issue.
Keep your payment receipts, especially for mailed checks or in-person payments. If there is ever a dispute about whether a payment was received, your receipt is proof.
Frequently Asked Questions
Can I pay my PECO bill with a credit card without a fee?
No. PECO charges a fee for credit card payments, usually 2 to 3 percent of the amount. Debit cards and bank account payments have no fee. If you want to use a credit card, compare the fee cost to any rewards you would earn.
What happens if I pay after the due date?
PECO charges a late fee if your payment does not post by the due date shown on your bill. The fee amount is listed on your bill. A late payment may also affect your credit report if it remains unpaid for 30 days or more.
How long does it take for a mailed check to post?
Allow 7 to 10 business days for a mailed check to reach PECO and post to your account. If your due date is sooner than that, use online or phone payment to avoid a late fee.
Can I set up automatic payments and still change the amount each month?
Yes. You can set up automatic payments for a fixed amount, or you can authorize PECO to withdraw the full bill amount each month. If you choose the full amount option, your payment will vary with your usage. You can change or cancel automatic payments anytime through your account.
What should I do if I think PECO charged me twice?
Check your payment history in your online account to see all posted payments and their dates. If you see a duplicate charge, call PECO at 1-800-494-4000 right away. Have the payment dates and amounts ready. PECO can investigate and issue a credit if the duplicate is confirmed.