You can pay PECO as a guest without logging in, but you will need your account number and bill amount ready

PECO's guest payment option lets you pay a single bill without setting up an online account. You go to the payment page, enter your account details, and complete the transaction in one session. This works if you pay occasionally, have trouble remembering passwords, or prefer not to store payment information with the utility.

The guest route is faster for a one-time payment but does not let you set up automatic payments, view past bills, or track usage. If you pay PECO regularly, creating an account takes about five minutes and gives you more control over your account.

Key Takeaways

  • Guest payment requires your PECO account number (found on your bill) and the amount you want to pay, but no username or password.
  • You can pay by debit card, credit card, or bank account transfer, and the payment processes immediately or within one business day depending on the method.
  • Guest payments do not set up recurring automatic payments — you must pay each bill separately.
  • If you lose your bill or account number, you will need to contact PECO directly at 1-800-494-4000 before you can pay as a guest.

Where to find your account number before you pay

Your PECO account number appears in the top right corner of your paper bill, usually labeled "Account Number" or "Acct #". It is a string of numbers, typically 7 to 10 digits long. If you have your bill in front of you, you have everything you need to start a guest payment.

If you do not have a recent bill, check your email for a PECO statement or payment reminder. PECO also sends account numbers in collection notices or past-due letters. If none of those are available, call PECO customer service at 1-800-494-4000 and provide your service address — they will give you the account number over the phone.

Steps to pay as a guest on PECO's website

Go to peco.com and look for the "Pay My Bill" button, usually near the top of the page. Click it and select the guest payment option — the site will ask whether you want to log in or continue as a guest. Choose guest.

Enter your account number and the zip code associated with your service address. PECO will pull up your account and show your current balance. Review the amount and confirm it matches your bill. Then choose your payment method: debit card, credit card, or bank account (ACH transfer). Enter the payment amount — you can pay the full balance, a partial amount, or more than you owe.

Provide your payment details and a contact email or phone number. PECO will send a confirmation to that address. The payment processes immediately for card payments and within one business day for bank transfers. You will receive a receipt number — save it in case you need to dispute or track the payment later.

Payment methods and how long each takes

PECO accepts three payment methods for guest payments. Debit and credit cards process instantly and appear on your account within hours. Bank account transfers (ACH) take one to two business days to clear and cost nothing. Some people prefer ACH because it comes directly from their checking account, but it requires you to provide routing and account numbers.

PECO does not charge a fee for debit card payments, but credit card payments may carry a small processing fee — the site will show you the exact amount before you confirm. If you use a third-party payment service like PayPal or Venmo, those services may add their own fees on top.

What happens if you need to dispute or cancel a guest payment

Once a guest payment is submitted, you cannot cancel it through the website. If you made a mistake — paid the wrong amount, used the wrong account number, or entered incorrect payment details — call PECO at 1-800-494-4000 within 24 hours. They can sometimes reverse a payment before it fully processes, but this depends on the payment method and how quickly you call.

Keep your confirmation number and receipt email. If PECO processes the payment incorrectly or you believe it was fraudulent, you will need those documents to file a dispute. For card payments, you can also contact your card issuer directly to dispute the charge, though PECO will likely resolve it faster if you call them first.

When guest payment does not work and you need to call PECO

Guest payment requires an active PECO account in good standing. If your account has been disconnected, is in collections, or is flagged for fraud, the guest payment system may reject it. In those cases, you must call PECO at 1-800-494-4000 to discuss your account status and arrange payment over the phone.

If you cannot locate your account number, do not have a bill, or the website will not accept your information, calling is also the fastest route. PECO's phone lines are open Monday through Friday, 7 a.m. to 7 p.m., and Saturday 8 a.m. to 5 p.m. Eastern Time. Have your service address ready when you call.

Why you might want to create an account instead

Creating a PECO account takes about five minutes and gives you access to features guest payment does not offer. You can set up automatic payments so your bill is paid on a date you choose each month, view your billing history going back several years, and see your daily energy usage to find ways to lower your bill. You can also update your contact information, report outages, and receive alerts if your bill is unusually high.

If you pay PECO more than once or twice a year, an account saves time and reduces the chance of late payments. You still use the same username and password every time, so there is no need to dig up your account number. If you forget your password, PECO can reset it by email or security questions.

Frequently Asked Questions

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

Yes, as long as you have their account number and know the service address. Guest payment does not verify who is making the payment, only that the account number and address match PECO's records. The payment will be applied to that account regardless of whose name is on the check.

Does paying as a guest affect my credit score?

No. PECO does not report on-time payments to credit bureaus, so paying as a guest has no impact on your credit. However, if your account falls behind and goes to collections, that will appear on your credit report — paying promptly, whether as a guest or with an account, prevents that.

What if I pay too much by accident?

PECO will credit the overpayment to your account. On your next bill, you will see the credit applied and owe less. If you want a refund instead of a credit, call PECO at 1-800-494-4000 and they can process a refund check, though this takes several weeks.

Can I set up automatic payments without creating an account?

No. Automatic payments require an online account so PECO can store your payment method and schedule. Guest payment is one-time only. If you want to automate your payments, you will need to create an account on peco.com.

Is guest payment secure?

PECO uses encryption to protect payment information during guest transactions, the same security as account-based payments. However, guest payments do not store your card or bank details, so there is no information saved on PECO's servers after the transaction completes. This makes guest payment slightly safer if you are concerned about data storage.