The fastest way to pay Pepco is through their website at pepco.com, where you can set up a one-time payment or enroll in automatic payments from your bank account.
Pepco serves Maryland, Delaware, and the District of Columbia. Once you log into your account on pepco.com, you can pay immediately using a bank account, debit card, or credit card. If you do not have an online account yet, you can create one in a few minutes with your account number and service address — both appear on your bill.
You have other payment options too: by phone, by mail, or in person at a payment location. Each method has different timing and fees, so the right choice depends on when your payment is due and how you prefer to handle money.
Key Takeaways
- Paying online at pepco.com takes minutes and posts to your account immediately if you pay before the cutoff time, usually around 5 p.m. on the due date.
- Automatic payments from your bank account cost nothing and remove the risk of forgetting a due date, but you can cancel anytime.
- Paying by phone through Pepco's automated system or a representative costs a fee unless you use a bank account, and the payment may not post the same day.
- Mailing a check takes 7 to 10 business days to reach Pepco, so send it at least two weeks before your due date to avoid a late payment.
- Pepco has payment locations in Maryland and DC where you can pay cash or a check in person, and the payment posts the same day.
Paying online through pepco.com
Log into your account at pepco.com using your username and password. If you do not have an account, select "Register" and enter your account number, service address, and email. Pepco will send you a confirmation link; click it to finish setting up your login.
Once logged in, select "Pay My Bill" or "Make a Payment." You will see your current balance and due date. Enter the amount you want to pay — you can pay the full balance, a partial amount, or more than you owe. Choose your payment method: bank account (no fee), debit card (fee applies), or credit card (fee applies). The fee for card payments is typically 2 to 3 percent of the amount paid, though Pepco's website will show the exact fee before you confirm.
If you pay before the cutoff time on your due date — usually around 5 p.m. Eastern Time — the payment posts immediately and your account reflects it the same day. Payments made after the cutoff or on a weekend or holiday post the next business day. Keep the confirmation number Pepco provides; you will need it if you ever need to dispute the payment.
Setting up automatic payments
Automatic payments mean Pepco withdraws money from your bank account on a date you choose each month, usually around your due date. This removes the risk of forgetting to pay and incurring a late fee. To set up automatic payments, log into pepco.com, go to "Billing & Payment," and select "Autopay" or "Automatic Payment."
You will need your bank account number and routing number, which appear on the bottom left of any check. Pepco will ask you to choose a payment date — typically between the 1st and the 28th of each month. The payment will post within one to two business days of that date. You can change the payment date or cancel automatic payments anytime through your account settings; there is no penalty for stopping.
Automatic payments from a bank account have no fee. If you want automatic payments charged to a debit or credit card instead, Pepco will charge the same card fee as a one-time payment.
Paying by phone
Call Pepco's automated payment line at 1-877-737-2662 (Maryland and DC) or 1-877-737-2663 (Delaware). You will need your account number and a debit or credit card. The system will ask you to enter your account number using your phone keypad, then guide you through selecting the amount and card details. A fee applies to phone payments made with a card, typically 2 to 3 percent.
If you prefer to speak with a representative, call the same number and select the option to speak with someone. A representative can process your payment over the phone, but the same card fee applies. Payments made by phone post within one to two business days, not immediately.
You can also pay by phone using a bank account through the automated system, which has no fee. However, the automated system does not accept bank account payments after 8 p.m. Eastern Time.
Paying by mail
Write a check or money order payable to Pepco. Include your account number on the check. Mail it to the address shown on your bill — Pepco's mailing address varies by state, so always use the one printed on your statement to ensure it reaches the right processing center.
Mail takes 7 to 10 business days to arrive, so send your payment at least two weeks before your due date. Pepco considers a payment late if it arrives after the due date, even if you mailed it on time. Keep a copy of the check or a photo of the front and back for your records. If you need proof of payment, you can log into pepco.com and check your payment history.
Paying in person at a Pepco location
Pepco has payment centers in Maryland and the District of Columbia where you can pay cash, check, or money order in person. Payments made in person post the same day. To find the nearest location and hours, go to pepco.com, select "Pay My Bill," and look for "Payment Locations" or call 1-877-737-2662 and ask a representative for the closest office.
Bring your account number and a form of payment. Some locations may have limited hours or may close on holidays, so call ahead if you are unsure. In-person payments have no fee regardless of the payment method you use.
Understanding late payments and reconnection
Your payment is late if it arrives after the due date shown on your bill. Pepco charges a late fee — the amount varies but is typically a percentage of your balance — and may report the late payment to credit bureaus. If your bill remains unpaid 30 days past the due date, Pepco may disconnect your service.
If you cannot pay your full bill by the due date, contact Pepco before the deadline. You may be able to set up a payment plan, request a brief extension, or learn about hardship programs that may help. Call 1-877-737-2662 to speak with a representative about your options.
Frequently Asked Questions
What happens if I pay after 5 p.m. on my due date?
Payments made after the cutoff time on your due date post the next business day and are considered late. Pepco charges a late fee and may report it to credit bureaus. If you are close to your due date, paying by phone or in person is faster than online.
Can I pay someone else's Pepco bill?
Yes. You can pay online, by phone, or by mail using the account number of the person whose bill you are paying. You do not need to be the account holder. If you pay in person, bring the account number and your payment method.
Is there a fee for paying with a debit card?
Yes. Debit card payments through pepco.com, by phone, or through a representative incur a fee of typically 2 to 3 percent of the amount paid. Bank account payments have no fee. Credit card fees are the same as debit card fees.
How do I know if my payment went through?
Log into your pepco.com account and check your payment history under "Billing & Payment." Online payments post immediately if made before the cutoff time. Phone and mail payments take one to two business days. You can also call 1-877-737-2662 and ask a representative to confirm receipt.
What if I overpay my bill?
The overpayment stays in your account as a credit and reduces your next bill. If you want a refund instead, contact Pepco at 1-877-737-2662 and request one. Refunds typically take 7 to 10 business days to appear in your bank account.