The fastest way to pay Pepco is through their website at pepco.com
Log in to your Pepco account on their website, click "Pay My Bill," and you can pay immediately using a bank account or debit card. The payment posts the same day if you pay before 5 p.m. ET on a business day. You do not need to create a new account — if you have received a Pepco bill, you can use your account number (printed on the front of your bill) to set up online access.
Pepco also offers a mobile app where you can pay the same way. Search for "Pepco" in your phone's app store, download it, and log in with the same credentials you use on the website. Paying through the app works identically to paying on the website.
If you prefer not to pay online, Pepco accepts payment by phone, mail, and in person at payment centers. Each method has different timing and fees, which matter if your bill is due soon.
Key Takeaways
- Paying online or through the Pepco app is free and posts the same business day if you pay before 5 p.m. ET.
- Paying by phone through an automated system is free, but paying through a representative costs a fee that varies by payment method.
- Mailing a check takes 7 to 10 business days to reach Pepco, so send it well before your due date.
- Pepco payment centers and authorized retailers accept cash and checks in person with no fee.
- If you cannot pay your full bill, contact Pepco about payment plans or hardship programs before your account is disconnected.
Paying by phone with no fee
Call Pepco's automated payment line at 1-877-737-2662 to pay by phone without a fee. You will need your account number and either a bank account or debit card. The system accepts payments 24 hours a day, 7 days a week, and the payment posts the same business day if you call before 5 p.m. ET.
If you speak to a Pepco representative instead of using the automated system, there is a fee. The fee amount depends on your payment method — typically $3 to $5 for debit card or bank account payments. Ask the representative what the fee is before you authorize the payment.
Mailing a check or money order
Write your account number on the check or money order and mail it to the address printed on your bill. Pepco's mailing address is usually listed on the back of your bill or in the "Pay Your Bill" section of their website. Mail takes 7 to 10 business days to arrive, so send your payment at least two weeks before the due date to avoid a late fee.
Include only the check or money order — do not send cash through the mail. If you want to confirm Pepco received your payment, log into your online account a few days after you mail it and check your payment history.
Paying in person at a Pepco location or authorized retailer
Pepco operates payment centers in Maryland and Washington, D.C. where you can pay in person with cash, check, or debit card. Find the nearest location by visiting pepco.com and searching "payment centers" or calling 1-877-737-2662.
You can also pay at authorized retailers in your area — many grocery stores, pharmacies, and check-cashing services accept Pepco payments. Ask at the customer service desk whether they accept utility bill payments. Payments made in person before 5 p.m. ET on a business day usually post the same day.
Setting up automatic payments
If you want to stop thinking about your bill each month, Pepco allows you to set up automatic payments from your bank account. Log into your Pepco account online, go to "Manage My Account," and select "Autopay." You can choose to pay the full bill amount or a fixed amount each month.
Automatic payments are free and deduct money from your bank account on or around your due date. You can change or cancel autopay anytime through your account. This is useful if you have a stable income and want to avoid late fees, but make sure your bank account has enough money on the payment date to avoid overdraft fees.
What to do if you cannot pay your full bill
If you cannot afford to pay your bill in full, contact Pepco before your account is disconnected. Call 1-877-737-2662 and ask about payment plans or hardship programs. Pepco offers extended payment plans that let you spread your bill over several months with no additional fee.
Pepco also has programs for customers with low income or those facing hardship. These programs may reduce your bill or help you catch up on arrears. The sooner you call, the more options you have — waiting until you receive a disconnection notice limits what Pepco can do.
Frequently Asked Questions
Is there a fee to pay my Pepco bill online?
No. Paying through the Pepco website or mobile app is free. Paying through the automated phone line is also free. The only time there is a fee is if you speak to a Pepco representative by phone, and the fee is typically $3 to $5 depending on your payment method.
How long does it take for my payment to post?
Payments made online, through the app, or through the automated phone line before 5 p.m. ET on a business day post the same day. Mailed checks take 7 to 10 business days. In-person payments at a Pepco location or authorized retailer post the same day if made before 5 p.m. ET on a business day.
Can I pay my Pepco bill with a credit card?
Pepco does not accept credit card payments directly. You can pay with a debit card or bank account online, by phone, or through the app. Some third-party payment processors may allow you to pay with a credit card, but they charge a fee for that service.
What if I pay late?
Pepco charges a late fee if your payment arrives after the due date shown on your bill. The amount varies but is typically a percentage of your bill. If you are more than 30 days late, Pepco may disconnect your service. Contact them immediately if you know you will be late.
Can I set up a payment plan if I owe back bills?
Yes. Call Pepco at 1-877-737-2662 and explain your situation. They can set up a plan to pay your current bill plus a portion of what you owe each month. The sooner you contact them, the more flexible the plan can be.