Getting into your MSD account for the first time
The Metropolitan St. Louis Sewer District (MSD) bill pay portal lets you view your sewer bill, make one-time payments, and set up automatic payments from your computer or phone. To log in, go to msd.org and look for the "Pay My Bill" or "Customer Portal" link on the homepage — the exact wording changes occasionally, but it will be visible near the top of the page.
If you do not yet have an online account, you will need to create one before you can log in. Click the "Create Account" or "Register" button, then enter your account number (found on your paper bill in the upper right corner), your service address, and your email address. MSD will send you a confirmation email — check your inbox and spam folder. Click the link in that email to activate your account, then set your password. Your password should be at least 8 characters and include uppercase letters, lowercase letters, and numbers.
Once your account is active, return to the login page and enter your email address and password. You should now see your bill balance, payment history, and options to pay immediately or schedule a future payment.
Key Takeaways
- The MSD bill pay portal is at msd.org under the "Pay My Bill" section, and you need your account number from your paper bill to set up an account.
- New accounts require email confirmation before you can log in, so check your email (including spam) for the activation link from MSD.
- Your password must be at least 8 characters with uppercase, lowercase, and number characters mixed together.
- Once logged in, you can pay your current bill immediately, schedule a payment for a future date, or turn on automatic monthly payments.
- If you forget your password, use the "Forgot Password" link on the login page to reset it — MSD will email you a reset link.
What information you need to log in
You will need two pieces of information to create your account: your MSD account number and your service address. Your account number appears on your paper bill in the upper right corner, usually printed as a series of numbers. If you do not have a recent bill, you can find your account number by calling MSD's customer service line at 314-633-3000 and providing your service address.
You will also need an email address where you can receive the account confirmation message. Use an email you check regularly, because MSD sends payment confirmations and bill reminders to this address. You can update your email address later in your account settings if needed.
Resetting a forgotten password
If you forget your password, click the "Forgot Password" link on the MSD login page. Enter your email address, and MSD will send you a password reset link within a few minutes. Open that email, click the link, and create a new password following the same rules: at least 8 characters with uppercase letters, lowercase letters, and numbers.
The reset link usually works for 24 hours. If you do not see the reset email, check your spam folder or wait a few minutes and request another one. If you still cannot reset your password after multiple attempts, call MSD customer service at 314-633-3000 and a representative can help you regain access to your account.
Making a payment once you are logged in
After you log in, your account dashboard shows your current bill amount and due date. To pay, click the "Make a Payment" or "Pay Now" button. You can then choose to pay immediately or schedule the payment for a specific date — useful if you want to pay on payday or after a deposit clears.
MSD accepts payments by bank account (checking or savings) or debit card. Bank account payments usually process within one business day and have no fee. Debit card payments process the same day but may carry a small processing fee — MSD will show you the fee amount before you confirm. Do not use a credit card, as MSD does not accept them through the online portal.
After you submit a payment, you will see a confirmation number on screen and receive a confirmation email. Keep that confirmation number in case you need to reference the payment later. Your payment will appear on your next bill statement.
Setting up automatic monthly payments
If you want MSD to withdraw your bill amount automatically each month, you can set this up in your account settings. Log in, find the "Autopay" or "Automatic Payments" section, and choose whether you want to pay the full bill amount or a fixed amount each month. You will need to provide your bank account number and routing number, or your debit card information.
Automatic payments usually process on the same day each month — you can choose the date. If your bill amount varies month to month, you can set autopay to charge the full amount due, or you can set a fixed amount and pay any remaining balance manually. You can pause or cancel autopay at any time through your account settings.
Troubleshooting login problems
If you see an error message when you try to log in, first check that you are using the correct email address and password. Passwords are case-sensitive, so make sure Caps Lock is off. If you are still locked out, use the "Forgot Password" link to reset your password.
If you get a message saying your account number is not found, double-check that you entered it correctly when you created your account. Your account number is on your paper bill in the upper right corner. If you entered it wrong during setup, you may need to create a new account with the correct number, or call MSD customer service at 314-633-3000 to link your existing account.
If the website itself is not loading, try a different web browser or clear your browser's cache and cookies, then try again. MSD occasionally performs maintenance on the portal, usually at night or on weekends — if the site is down, wait a few hours and try again.
Viewing your bill details and payment history
Once logged in, you can see your current bill, past bills, and a record of all payments you have made. Click on any past bill to view the charges, service dates, and any adjustments. This is useful if you want to understand what you were charged for or if you think there is an error on your bill.
Your payment history shows every payment you have made through the online portal, by phone, by mail, or in person. Each payment shows the date it was processed, the amount, and the confirmation number. If you made a payment and do not see it in your history within a few days, contact MSD customer service to confirm it was received.
Frequently Asked Questions
Do I need to create an account to pay my MSD bill online?
Yes. You must create an account at msd.org using your account number and service address, then confirm your email before you can log in and pay. The account creation process takes about 5 minutes and only needs to happen once.
What if I do not have my account number?
Call MSD customer service at 314-633-3000 with your service address, and they will give you your account number. You can also find it on any recent paper bill in the upper right corner. Once you have the number, you can create your online account.
Can I pay my MSD bill with a credit card online?
No. The online portal accepts bank account transfers and debit cards only. Credit card payments are not available through the website. If you want to pay by credit card, call MSD at 314-633-3000 to ask about phone payment options.
How long does it take for my online payment to show up on my bill?
Bank account payments usually process within one business day. Debit card payments process the same day. The payment will appear on your next bill statement, and you will receive a confirmation email immediately after you submit it.
Can I change my password after I create my account?
Yes. Log in to your account, go to "Account Settings" or "Security Settings," and look for the "Change Password" option. Enter your current password, then create a new one following the same rules: at least 8 characters with uppercase, lowercase, and numbers.