PECO's online payment system lets you pay your electric or gas bill from your computer or phone without calling or mailing a check

PECO (Philadelphia Electric Company) operates an online payment portal where you can pay your bill anytime, from anywhere. You log in with your account number and password, choose your payment amount and method, and the payment processes immediately or on a date you select. No fees are charged for paying online through PECO's own system.

The portal also shows your current balance, past bills, usage history, and due dates. You can set up automatic payments so your bill is paid the same way each month without logging in again. If you don't have an online account yet, you'll need to register first using your account number and service address.

Key Takeaways

  • PECO's online payment portal is free and available 24/7 through their website or mobile app.
  • You can pay once, schedule a future payment, or set up automatic monthly payments from a bank account or debit card.
  • Registration requires your PECO account number, service address, and a valid email address.
  • Payments made before 5 p.m. on the due date are considered on-time; payments after that may incur a late fee.
  • If you pay through a third-party service or by phone, PECO may charge a convenience fee separate from the bill itself.

How to register for an online account

Go to PECO's website and select the option to create a new online account. You'll need your PECO account number (found on your bill), your service address, and a valid email address. PECO will send a confirmation email; click the link to activate your account and set a password.

Once your account is active, you can log in anytime to view your bill and make payments. Keep your password secure and change it periodically. If you forget your password, use the "Forgot Password" link on the login page to reset it by email.

Payment methods and timing

PECO accepts payments from a checking or savings account (ACH transfer), debit card, or credit card. ACH transfers from your bank account are free and typically process within one to two business days. Debit and credit card payments process immediately but may carry a convenience fee depending on the card type and your bank.

You can pay your full balance, a partial amount, or a set dollar figure. If you schedule a payment for a future date, PECO will process it on that date as long as you submit it before the cutoff time (usually 5 p.m. Eastern Time). Payments received after the due date may be subject to a late fee even if you scheduled them in advance.

Setting up automatic payments

Automatic payments remove the need to log in each month. In your online account, select "Autopay" or "Automatic Payments" and choose your payment method and amount. You can set it to pay your full bill each month, a fixed dollar amount, or a percentage of your balance.

PECO will process the payment a few days before your due date each billing cycle. You can change or cancel automatic payments anytime through your account. If your bill amount varies significantly, you may want to review it each month before the payment processes to make sure the amount is correct.

Troubleshooting common issues

If your payment doesn't appear in your account within the expected timeframe, check that you submitted it before the cutoff time and that the payment method information was entered correctly. ACH transfers take longer than card payments, so allow one to two business days. If the payment still doesn't show after that window, contact PECO's customer service with your confirmation number.

If you see an error message during payment, try clearing your browser's cache and cookies, then log in again. If the problem persists, use a different browser or device. Some older browsers don't work reliably with PECO's portal. If you cannot resolve the issue online, call PECO's customer service line to pay by phone, though a convenience fee may apply.

What to do if you can't pay in full

If you cannot pay your full bill by the due date, pay what you can online to avoid a late fee on the unpaid portion. PECO allows partial payments and will not disconnect service immediately for a single missed payment. However, unpaid balances accrue interest and can lead to disconnection if they remain unpaid for an extended period.

If you're struggling with your bill, contact PECO's customer service to ask about budget billing, which spreads your annual costs evenly across 12 months, or payment plans that let you pay arrears over time. Some customers may also be may be able to access for bill assistance programs through local nonprofits or government agencies; PECO's website lists resources by county.

Mobile app vs. website

PECO offers a mobile app for iOS and Android that provides the same payment features as the website. The app lets you pay, view your bill, check your usage, and manage automatic payments from your phone. Many customers find the app faster for quick payments, while the website works better for reviewing detailed billing history or making changes to automatic payment settings.

Both the app and website use the same login credentials. If you use both, changes you make in one will appear in the other. Download the PECO app from your device's app store, or visit PECO's website to pay online.

Frequently Asked Questions

Is there a fee to pay my PECO bill online?

No fee is charged when you pay through PECO's website or app using an ACH transfer from your bank account. Credit and debit card payments may include a convenience fee set by your card issuer or bank, not by PECO. Third-party payment services also charge fees. Always check for fees before confirming your payment.

How long does it take for an online payment to show up on my account?

Payments made by debit or credit card process immediately and appear in your account within hours. ACH transfers from your bank account take one to two business days. If you schedule a payment for a future date, it will process on that date. Check your confirmation email for the exact processing time.

Can I set up automatic payments and still make manual payments?

Yes. You can have automatic payments scheduled and still log in to make additional payments anytime. This is useful if your bill varies and you want to pay extra in months when you use more energy. Just make sure you don't accidentally pay twice in the same billing cycle.

What happens if I pay after the due date?

A late fee will be added to your next bill. PECO considers payments received after 5 p.m. on the due date as late, even if you scheduled the payment in advance. To avoid a late fee, submit your payment before the cutoff time on the due date.

Can I pay someone else's PECO bill online?

You can only pay a bill if you have access to that account's login credentials. If you want to pay a family member's bill, ask them to add you as an authorized user on their account, or have them log in and process the payment themselves. PECO does not allow third-party payments without account access.