You can pay a PECO electric bill as a guest by going to PECO's website, entering your account number and ZIP code, and completing payment without logging in.

PECO offers a guest payment option specifically for people who do not want to create an online account or who are paying someone else's bill. You do not need a username, password, or account registration. The process takes about five minutes and works for one-time payments only.

This option is useful if you are paying a bill infrequently, helping a family member with a single payment, or prefer not to store payment information online. However, guest payments do not let you see your bill history, set up automatic payments, or receive paperless billing notifications.

Key Takeaways

  • Guest payment on PECO's website requires only your account number, ZIP code, and payment method — no login or account creation.
  • You can pay by debit card, credit card, or bank account transfer, and payment typically posts within one to two business days.
  • Guest payments are one-time only and do not set up recurring automatic payments or save your information for future use.
  • If you pay PECO bills regularly, creating a free account lets you see your bill details, set up autopay, and track usage over time.

Steps to pay as a guest on PECO's website

Start by visiting PECO's main website and looking for the "Pay My Bill" or "Make a Payment" link, usually located in the top navigation or under a customer service section. Click the guest payment option — it may be labeled "Pay as Guest" or "One-Time Payment Without Login."

Enter your PECO account number (found on your bill) and your ZIP code. PECO will pull up your account and show your current balance. Review the amount to make sure it matches your bill.

Select your payment method: debit card, credit card, or bank account (ACH transfer). Enter the payment details and confirm the amount you want to pay. You can pay the full balance, a partial amount, or any amount you choose. Complete the transaction and save your confirmation number for your records.

Payment methods and processing times

PECO accepts debit cards, credit cards, and electronic bank transfers (ACH) for guest payments. Credit card and debit card payments typically post to your account within one to two business days. Bank account transfers may take slightly longer, usually two to three business days.

Be aware that credit card payments may include a convenience fee — PECO or its payment processor charges a percentage of the payment amount. Debit card and bank transfer payments usually have no fee or a lower fee. The fee amount appears on the payment screen before you confirm, so you can see the total cost before deciding.

Payment posting time means the money reaches PECO, but your account may not update immediately. If you are paying to avoid a late fee or disconnection, pay several days early to account for processing delays.

What information you need before you start

Have your PECO account number ready. This is a nine-digit number printed on your bill, usually near the top. If you do not have a physical bill, you may be able to find it in an email bill or by calling PECO customer service at 1-800-494-4000.

You will also need your ZIP code associated with the account. Have your payment method available — the card number and expiration date if paying by card, or your bank routing and account number if paying by bank transfer.

If you are paying someone else's bill, you will need their account number and ZIP code, not yours. PECO does not require you to prove you are authorized to pay, so guest payment works for anyone who has this basic information.

Why you might want to create an account instead

A free PECO online account takes about five minutes to set up and gives you access to features guest payment does not offer. You can view your full bill, see your payment history, check your current balance anytime, and view your electricity usage by day or month.

An account also lets you set up automatic payments (autopay), so your bill is paid on the same day each month without you having to log in. You can receive email or text notifications when your bill is ready, when a payment is due, or when your balance changes. These features are especially useful if you pay PECO regularly.

If you decide to create an account later, you can do so anytime using the same account number and ZIP code. Creating an account does not affect any guest payments you have already made.

Troubleshooting common guest payment issues

If the system says your account number or ZIP code is not found, double-check both for typos. Account numbers are nine digits; ZIP codes are five digits. If you still cannot find your account, call PECO at 1-800-494-4000 to confirm your account number is active and your ZIP code is correct in their system.

If your payment is rejected, the most common reason is incorrect card or bank information. Go back and verify the card number, expiration date, and CVV (the three-digit security code on the back). For bank transfers, confirm your routing number and account number are correct. If the information is correct and the payment still fails, try a different payment method or call PECO to ask whether your account has a restriction.

If you need a receipt or confirmation after paying, save the confirmation number shown at the end of the transaction. You can also call PECO customer service and provide the confirmation number to verify the payment was received.

When guest payment is not the right choice

Guest payment works for one-time payments only. If you pay PECO every month, you will have to enter your information each time. Setting up a free account with autopay is faster and more convenient for regular payers.

Guest payment also does not let you dispute a charge, set up a payment plan if you owe a large amount, or request a budget billing plan (which spreads your costs evenly across the year). If you need any of these options, you will need to create an account or call PECO customer service at 1-800-494-4000.

Frequently Asked Questions

Can I set up automatic payments as a guest?

No. Guest payments are one-time only and do not create recurring payments. To set up automatic payments, you must create a free PECO online account. Once you have an account, you can choose to have your bill paid automatically on a date you select each month.

Is there a fee to pay as a guest?

Credit card payments usually include a convenience fee of 2 to 3 percent of the payment amount. Debit card and bank transfer payments may have a lower fee or no fee. The exact fee appears on the payment screen before you confirm, so you know the total cost before completing the transaction.

How long does it take for a guest payment to show up on my account?

Card payments typically post within one to two business days. Bank transfers may take two to three business days. Your account balance may not update immediately, but the payment is recorded in PECO's system. If you need to confirm payment was received, save your confirmation number or call PECO at 1-800-494-4000.

Can I pay someone else's PECO bill as a guest?

Yes. You only need their account number and ZIP code. PECO does not verify whether you are authorized to pay, so guest payment works for anyone with this information. The payment will be applied to their account.

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

You can enter any amount you want to pay, whether it is the full balance or a partial payment. The payment will be applied to your account. If you make a partial payment, the remaining balance will still be due and may accrue late fees if not paid by the due date.