Log in to your MLGW account and pay through their website or mobile app
Memphis Light, Gas and Water (MLGW) lets you pay your bill online through their customer portal at mlgw.org. You will need your account number (found on your paper bill) and a password you create when you first log in. Once you are in your account, you can pay immediately using a bank account or debit card, and the payment usually posts within one business day.
MLGW also has a mobile app available for iOS and Android devices. The app works the same way as the website — log in with your account number and password, then select the pay option. Paying through the app is useful if you are away from a computer or want to set up a payment reminder on your phone.
If you do not have an online account yet, go to mlgw.org and look for the "Pay My Bill" or "Create Account" link on the homepage. You will need your account number and the service address to set up your login.
Key Takeaways
- Your MLGW account number appears on your paper bill and is required to log in to the online portal at mlgw.org.
- You can pay with a bank account or debit card, and the payment typically posts within one business day.
- The MLGW mobile app for iOS and Android offers the same payment options as the website.
- If you forget your password, use the "Forgot Password" link on the login page to reset it with your account number and email address.
Setting up your MLGW online account for the first time
To create a new account, visit mlgw.org and select the option to create a new login. You will be asked for your account number, service address, and the last name on the account. MLGW will then send a verification code to the email address you provide — check your inbox and spam folder for this code, as it expires after a set time.
After you enter the verification code, you will create a password. MLGW requires passwords to be at least eight characters long and include uppercase letters, lowercase letters, numbers, and special characters (like ! or @). Write down your password somewhere safe, or use a password manager to store it.
Once your account is active, you can log in anytime to view your current bill, payment history, and usage details. Bookmark the login page or save the MLGW app to your phone so you can find it quickly when your bill is due.
Payment methods and timing
MLGW accepts payments through bank account transfers (ACH) and debit or credit cards. Bank transfers usually have no fee, while credit card payments may carry a processing fee — MLGW will show you the fee amount before you confirm the payment. If you use a debit card, the fee is typically lower than a credit card fee.
Payments made before 5 p.m. Central Time on a business day usually post to your account the next business day. Payments made after 5 p.m. or on weekends and holidays will post the following business day. If your bill is due soon, pay at least one business day before the due date to avoid a late payment.
You can also set up automatic payments through your MLGW account so your bill is paid on the same day each month. This option removes the need to remember to pay manually, though you should still check your account occasionally to make sure the payment went through.
What to do if you forget your password or cannot log in
If you forget your password, go to the MLGW login page and click "Forgot Password." Enter your account number and the email address associated with your account. MLGW will send a password reset link to that email — check your spam folder if you do not see it within a few minutes.
Click the reset link and create a new password using the same requirements as before (at least eight characters, with uppercase, lowercase, numbers, and special characters). Your new password takes effect immediately, and you can log in right away.
If you cannot find your account number, look at a recent paper bill — it is usually printed near the top. If you do not have a bill and cannot remember your account number, call MLGW customer service at 901-528-4465 during business hours. They can look up your account using your name and service address and help you reset your login.
Paying by phone or mail if you prefer not to use the website
If you do not want to pay online, MLGW accepts payments by phone at 901-528-4465. A customer service representative can take your payment information over the phone, though this method may carry a processing fee. Phone payments are usually processed the same day if made before 5 p.m. Central Time on a business day.
You can also mail a check or money order to the address printed on your bill. Write your account number on the check and mail it to the address listed under "Payment" or "Mail Payment" on your statement. Mailed payments take longer to process — typically 5 to 10 business days — so send your payment at least two weeks before the due date to avoid a late fee.
In-person payments are also available at MLGW payment centers throughout Memphis. You can find the nearest location and hours on mlgw.org under "Payment Locations" or by calling customer service.
Understanding your MLGW bill after you log in
Once you are logged into your account, you will see your current bill amount, due date, and a breakdown of charges. Your bill typically includes charges for electricity, natural gas, and water (depending on which services you use), plus any taxes and fees. The amount you owe is shown clearly at the top of your bill summary.
Your account page also shows your payment history — a list of all payments you have made and when they posted. This is useful if you want to confirm that a payment went through or if you need to dispute a charge. If you see a payment that did not post when you expected, wait one business day and check again, or call customer service if more than one business day has passed.
You can also view your usage history on the MLGW website. This shows how much electricity, gas, or water you used each month, which can help you spot unusual spikes in your bill or track whether your usage is going up or down over time.
Frequently Asked Questions
Is there a fee to pay my MLGW bill online?
Bank account payments (ACH) through MLGW's website have no fee. Debit card payments may have a small fee, and credit card payments typically have a higher fee. MLGW shows you the fee amount before you confirm the payment, so you can choose whether to proceed.
How long does it take for my online payment to show up on my bill?
Payments made before 5 p.m. Central Time on a business day usually post within one business day. Payments made after 5 p.m. or on weekends and holidays post the next business day. Check your account the day after you pay to confirm it went through.
Can I set up automatic payments so I do not have to pay every month?
Yes. Log into your MLGW account, find the automatic payment or recurring payment option, and choose the day of the month you want to be charged. You can change or stop automatic payments anytime through your account settings.
What should I do if I see a charge on my bill that I do not recognize?
Log into your account and review the itemized charges on your bill. If you still do not understand a charge, call MLGW customer service at 901-528-4465. They can explain what each charge is for and help you if there is an error.
Can I pay someone else's MLGW bill online using their account number?
You can pay if you have the account number and access to the account login, or if you call customer service and provide the account number. For security reasons, MLGW may ask for the account holder's name or other details to confirm you are authorized to make the payment.