El Paso Electric's payment methods and where to send money
El Paso Electric Company accepts payments through their website, by phone, by mail, and in person at payment centers. The fastest route is their online portal at epesmart.epelectric.com, where you can pay when ready with a bank account or debit card. If you prefer not to use the internet, you can call their customer service line at 1-877-MYEPEC1 (1-877-693-7321) to pay by phone with the same payment methods.
Payments by mail should be sent to the address printed on your bill. El Paso Electric processes mailed checks within five to seven business days of receipt, so plan ahead if your due date is approaching. In-person payments are also available at their payment centers and authorized retailers throughout the El Paso area, though you should confirm current locations and hours before visiting.
Key Takeaways
- Online payment through epesmart.epelectric.com is the fastest method and posts to your account the same day you submit it.
- Phone payments at 1-877-693-7321 work with bank accounts or debit cards and take the same amount of time as online payments.
- Mailed checks take five to seven business days to process, so send them at least a week before your due date to avoid late fees.
- Late payments trigger a reconnection fee if your service is shut off, so paying on time matters even if you are only a few days behind.
Setting up an online account on El Paso Electric's portal
To pay online, you need an account on epesmart.epelectric.com. If you do not already have one, you can create it by entering your account number (found on your bill), your zip code, and your last name. El Paso Electric will send you a temporary password by email, which you use to log in and set a permanent password of your own.
Once you are logged in, you can view your current balance, your payment history, and your usage. The payment screen lets you choose to pay your full balance, a partial amount, or a scheduled payment for a future date. You can also set up automatic recurring payments so the same amount comes out of your bank account on the same day each month.
Automatic payments and scheduling options
El Paso Electric offers two types of automatic payment: a fixed amount each month, or a variable amount that matches your bill. The fixed option works best if your usage is steady; the variable option adjusts if your bill changes seasonally. You can set up either one through your online account or by calling customer service.
If you want to pay on a specific day rather than on your due date, you can schedule a one-time payment for any future date through the website. This is useful if you get paid on a certain day of the month and want your payment to post after your paycheck arrives. Scheduled payments are free and do not incur any fees.
What happens if you miss a payment or pay late
El Paso Electric charges a late fee if your payment does not arrive by the due date shown on your bill. The amount of the late fee varies but is typically a percentage of your bill or a flat fee, whichever is greater. You can find the exact late fee amount in your service agreement or by calling customer service.
If your bill remains unpaid for about 20 days after the due date, El Paso Electric will send you a disconnection notice. If you do not pay within the timeframe stated in that notice, they will shut off your service. To reconnect, you must pay the full past-due balance plus a reconnection fee, which is separate from the late fee. If you are struggling to pay, contact El Paso Electric before the disconnection notice arrives — they may offer a payment plan or direct you to local information programs.
Payment plans and hardship programs
If you cannot pay your full bill by the due date, El Paso Electric offers extended payment plans. You can request a plan by calling 1-877-693-7321 or through your online account. The length of the plan depends on how much you owe and your payment history, but plans typically spread the balance over two to three months.
El Paso Electric also participates in the Low Income Home Energy information Program (LIHEAP) and other state and local information programs. These programs may help pay part or all of your bill if you meet income requirements. You can learn about programs in your area by contacting El Paso Electric's customer service or by calling 211, which connects you to local social services.
Paying your bill without internet or a bank account
If you do not have a bank account or prefer not to use the internet, you can pay by phone at 1-877-693-7321 with a debit card or prepaid card. You can also pay in person at El Paso Electric's payment centers or at authorized retailers throughout El Paso. Payments made in person or by phone are processed the same day, so your account is updated when ready.
Mailed payments are another option if you have a checking account. Write your account number on the check, mail it to the address on your bill, and allow five to seven business days for processing. If you do not have a checking account and cannot visit a payment center, ask El Paso Electric whether they accept money orders or prepaid cards by mail.
Understanding your bill and due dates
Your El Paso Electric bill shows your account number, your current balance, and your due date. The due date is usually about 20 days after the bill is issued. If you set up automatic payments, the payment will post on your due date unless you choose a different date. If you pay manually, make sure your payment arrives by the due date to avoid late fees.
Your bill also shows your usage in kilowatt-hours and breaks down charges by category — generation, transmission, distribution, and taxes. If your bill seems unusually high, check whether you used more electricity than normal, whether rates changed, or whether you have a new appliance running more often. You can compare your usage to previous months through your online account.
Frequently Asked Questions
How long does it take for an online payment to show up on my account?
Online payments through epesmart.epelectric.com post the same day you submit them, usually within a few hours. Phone payments also post the same day. Mailed checks take five to seven business days, so plan ahead if your due date is soon.
Can I change my due date?
El Paso Electric does not allow you to change your due date directly, but you can schedule payments for any date you choose through your online account. If you have a specific reason for needing a different due date, call customer service at 1-877-693-7321 to discuss options.
What if I overpay my bill?
If you pay more than you owe, the extra amount becomes a credit on your account and is applied to your next bill. You can also request a refund of the overpayment by calling customer service, though this may take a few weeks to process.
Is there a fee for paying online or by phone?
No. El Paso Electric does not charge a fee for online or phone payments made through their official channels. Some third-party payment processors may charge a fee, so always pay through epesmart.epelectric.com or by calling 1-877-693-7321 directly.
What should I do if my payment was not received?
If you paid online or by phone, check your account on epesmart.epelectric.com to confirm the payment posted. If it did not, contact customer service when ready. If you mailed a check, allow five to seven business days for processing before assuming it was lost. If it has been longer than that, call customer service with the check number and amount.