You can pay PECO as a guest using your account number and phone number, without logging in or creating an account

PECO's guest payment option lets you make a one-time payment directly without signing in. You will need your PECO account number (found on your bill) and the phone number associated with your account. The payment goes through immediately, and you receive a confirmation number you should save for your records.

This route works if you are paying someone else's bill, paying from a device you do not want to log into, or simply prefer not to create an account. The payment still posts to the account and counts toward your balance the same way a logged-in payment does.

Key Takeaways

  • Guest payments require your PECO account number and the phone number on file with PECO, but no username or password.
  • You can pay by debit card, credit card, or bank account through the guest payment portal on PECO's website.
  • The payment processes immediately and you receive a confirmation number — write it down or take a screenshot for your records.
  • Guest payments work for full bills, partial payments, or past-due amounts, and post to the account the same day.
  • If the phone number you enter does not match PECO's records, the system will reject the payment and ask you to verify the correct number.

Steps to pay as a guest on PECO's website

Go to PECO's website and look for the "Pay My Bill" or "Make a Payment" button — it is usually on the homepage. Click the option for guest or one-time payment (the exact wording varies, but it will say something like "Pay as Guest" or "Pay Without Logging In").

Enter your PECO account number. This is the number printed on your bill, usually near the top left. Then enter the phone number associated with your account — the one PECO has on file. The system will verify this information before letting you proceed. If you get an error, double-check that the phone number matches exactly what you gave PECO when you set up service.

Select your payment amount. You can pay the full bill, a partial amount, or a specific past-due balance. Choose your payment method: debit card, credit card, or bank account. If you use a bank account, you will need your routing number and account number. Enter the payment details and review the summary before confirming.

After you submit, the system generates a confirmation number. Write this down or take a screenshot — you will need it if you ever need to prove the payment went through. The money typically posts to your account the same business day.

What payment methods PECO accepts for guest payments

PECO takes debit cards, credit cards, and bank account transfers for guest payments. Debit and credit cards process instantly. Bank account payments (also called ACH transfers) usually take one business day to post, though PECO may show the payment as pending immediately after you submit it.

Some payment methods may carry fees. Credit card payments sometimes include a processing fee that PECO adds to your total — check the fee disclosure before you confirm. Debit card and bank account payments typically have no fee, but confirm this on the payment screen before submitting.

If the system rejects your phone number

The most common reason a guest payment fails is that the phone number does not match PECO's records. PECO stores the phone number you provided when you opened the account or last updated it. If you have changed your phone number since then, the system will not recognize it.

Call PECO at 1-800-494-4000 to update your phone number on file. Once PECO confirms the change, try the guest payment again. This usually takes a few minutes on the phone. Have your account number ready when you call.

If you do not know what phone number is on file, PECO's customer service can tell you. They can also help you verify your account before you attempt the payment, which saves you from entering the wrong number and having the payment rejected.

Difference between guest payment and autopay

Guest payment is a one-time transaction. You pay once, and that is it. You do not set up recurring payments, and PECO does not save your payment method. Each time you want to pay, you go through the guest payment process again.

Autopay requires you to create an account and set up automatic monthly payments. PECO withdraws the amount on a date you choose each month. Autopay is faster if you pay the same amount every month, but it requires you to log in and manage an account.

Guest payment is better if you pay irregularly, want to avoid creating an account, or are paying someone else's bill once. Autopay is better if you want the same amount withdrawn automatically every month and do not mind having an account.

What to do if you need a receipt or proof of payment

Save your confirmation number immediately after the payment goes through. This is your proof that PECO received the payment. You can also log into your PECO account (if you create one later) and view the payment in your transaction history, or call PECO customer service and give them the confirmation number.

If you need a formal receipt, PECO can email or mail one to you. Call 1-800-494-4000 and provide your confirmation number and account number. PECO will send the receipt to the address or email on file. Keep the confirmation number for at least 30 days in case there are any questions about the payment.

Frequently Asked Questions

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

Yes. You need their account number and the phone number on their account. The payment posts to their account the same way, and they will see it reflected in their next bill or account balance. You do not need their permission to pay as a guest — the account number and phone number are all the system requires.

How long does a guest payment take to show up on the account?

Debit and credit card payments usually post the same business day. Bank account payments may take one business day. PECO shows the payment as pending immediately after you submit it, so you can see it is on the way even if the balance has not updated yet.

What if I enter the wrong amount by mistake?

Once the payment is submitted and you have a confirmation number, it cannot be reversed through the guest payment system. Contact PECO at 1-800-494-4000 with your confirmation number. PECO can issue a credit to the account or process a refund, depending on whether you overpaid or underpaid.

Do I have to create an account to use guest payment?

No. Guest payment is designed specifically so you do not have to create an account or log in. You only need the account number and phone number. If you want to view your bill history or set up autopay later, you can create an account at that time.

Is guest payment secure?

PECO uses encryption to protect your payment information during the transaction. Your card or bank details are not stored after the payment completes, which is actually more secure than creating an account if you only pay occasionally. Always make sure you are on PECO's official website (peco.com) before entering payment information.