FPL payment options and where to send your money

FPL (Florida Power & Light) is the electric utility serving most of Florida's east coast and central regions. You can pay your bill online through their website, by phone, through automatic bank withdrawals, by mail, or in person at payment centers. The method you choose depends on how quickly you need the payment processed and whether you want to set it and forget it.

FPL processes online and phone payments the same business day if you submit before their cutoff time, usually around 5 p.m. Eastern. Mail payments take 7 to 10 business days to reach their lockbox and post to your account. In-person payments at authorized payment locations are processed immediately, though you'll need to find a location near you.

Your bill shows your account number in the upper right corner — you'll need this for any payment method except automatic bank draft, where FPL pulls directly from your checking or savings account.

Key Takeaways

  • FPL's website and phone line process payments the same business day if submitted before 5 p.m. Eastern, while mail takes 7 to 10 business days.
  • Automatic bank draft (autopay) removes the need to remember to pay each month and is set up through your FPL account online or by calling customer service.
  • In-person payments at authorized retailers and FPL offices are processed immediately but require you to travel to a physical location.
  • Your account number appears on your bill and is required for online, phone, and mail payments.
  • Late fees apply if payment is not received by the due date shown on your bill, regardless of when you submit it.

Paying online through FPL's website

Go to FPL.com and log into your account or create one if you don't have it yet. Click "Pay My Bill" and enter your account number if you're not logged in. You can pay with a debit card, credit card, or bank account. FPL charges a convenience fee for credit and debit card payments — the amount varies but is shown before you confirm. Bank account payments typically have no fee.

Once you submit, you'll see a confirmation number on screen. FPL posts same-day payments to your account if submitted before 5 p.m. Eastern on a business day. If you pay after 5 p.m. or on a weekend, it posts the next business day. Save your confirmation number in case you need to track the payment later.

Setting up automatic payments (autopay)

Autopay removes the monthly task of remembering to pay. Log into your FPL account online, go to "Billing & Payment," and select "Autopay." Choose whether you want to pay the full bill amount or a fixed amount each month. You can set the payment date to any day between the 1st and the 28th of the month.

FPL withdraws from your bank account on the date you choose. If that date falls on a weekend or holiday, the withdrawal happens the next business day. You can change or cancel autopay anytime through your account. If your bill varies significantly month to month (seasonal heating or cooling), a fixed amount may leave you with a credit or balance some months.

Paying by phone

Call FPL's automated payment line at 1-800-226-3545. Have your account number and payment method (debit card, credit card, or bank account) ready. The system will confirm the amount due and your payment date. Like online payments, phone payments submitted before 5 p.m. Eastern on a business day post the same day.

If you prefer to speak with a representative, call the same number and select the option to speak with customer service. They can process your payment over the phone, though the same convenience fees for credit and debit cards apply.

Mailing a check or money order

Write your account number on the check or money order and mail it to the address shown on your bill. FPL's mailing address is typically a lockbox in Jacksonville, but the exact address appears on every bill. Mail payments take 7 to 10 business days to arrive and post to your account, so send your payment well before the due date to avoid a late fee.

Include only the payment stub from your bill if you have it — this helps FPL match the payment to your account faster. Do not send cash through the mail. If you're concerned about a payment arriving on time, use online or phone payment instead.

Paying in person at authorized locations

FPL has payment centers in many Florida cities where you can pay with cash, check, debit card, or credit card. Find the nearest location by searching "FPL payment center near me" or calling 1-800-226-3545. Many authorized retailers (grocery stores, pharmacies, check-cashing services) also accept FPL payments for a small fee.

In-person payments are posted to your account immediately or within one business day. Bring your account number or bill with you. If you're paying someone else's bill, bring their account number and a form of ID.

What happens if your payment is late

FPL charges a late fee if payment is not received by the due date on your bill. The fee is a percentage of your bill amount and is added to your next bill. If you miss a payment, your service may be disconnected after a notice period — FPL typically gives 10 days' notice before shutoff, but this varies by circumstance.

If you're having trouble paying, contact FPL before your bill is due. They offer budget billing (spreading costs evenly across 12 months), payment arrangements, and information about energy assistance programs in your area. Calling ahead is far better than waiting for a disconnection notice.

Frequently Asked Questions

Can I pay my FPL bill with a credit card without a fee?

No. FPL charges a convenience fee for credit card payments, shown at checkout before you confirm. Debit card payments also incur a fee. Bank account payments typically have no fee. The fee amount varies but is usually 1 to 3 percent of your bill.

How do I know if my payment went through?

You'll receive a confirmation number immediately after paying online or by phone. Log into your FPL account to see your payment history and current balance. Payments posted to your account appear within one business day for online and phone, immediately for in-person, and 7 to 10 days for mail.

What if I pay too much by accident?

FPL will credit the overpayment to your account and apply it to future bills. You can also request a refund by calling customer service. If you have a credit balance, FPL may issue a check or allow you to carry it forward depending on your account type.

Can I set up autopay to pay only part of my bill?

Yes. When you set up autopay, you can choose to pay the full bill amount or enter a fixed amount each month. If you pay a fixed amount less than your bill, the remaining balance will be due by the due date. This works best if your bills are consistent month to month.

What should I do if I can't pay my full bill on time?

Contact FPL before the due date to discuss a payment arrangement. They may allow you to split the payment across two or more dates. FPL also has information about energy assistance programs and budget billing that can lower your monthly payment. Call 1-800-226-3545 to speak with a representative.