FPL's online payment portal lets you pay your electric bill from your computer or phone without calling or visiting a payment center
Florida Power & Light (FPL) operates an online bill pay system called FPL.com where you can view your bill, set up one-time payments, and arrange automatic recurring payments. You do not need to create an account in advance — you can pay as a guest using your account number and ZIP code. Payments typically post within one business day, though FPL processes most same-day if submitted before 5 p.m. Eastern Time on a business day.
The system accepts payments by debit card, credit card, and bank account transfer. There is no fee for paying from a bank account, but credit and debit card payments carry a processing fee that varies depending on which payment processor FPL routes your transaction through — typically between 2 and 3 percent of the amount paid. You can also set up autopay to have FPL withdraw money from your bank account on a date you choose each month, which has no fee.
Key Takeaways
- You can pay your FPL bill online at FPL.com as a guest without creating an account, using only your account number and ZIP code.
- Bank account payments have no fee, but credit and debit card payments charge a processing fee of roughly 2 to 3 percent.
- Autopay from a bank account is free and removes the need to remember to pay each month, though you can cancel it anytime.
- Same-day posting requires payment submission before 5 p.m. Eastern Time on a business day; weekend and holiday payments post the next business day.
Steps to pay a one-time bill online
Go to FPL.com and select "Pay My Bill" from the homepage. You will see two options: "Pay as Guest" or "Log In." If you do not have an FPL online account, choose "Pay as Guest." Enter your FPL account number (found on your bill) and your ZIP code, then click "Continue."
The next screen will display your current bill amount and due date. Enter the amount you want to pay — you can pay the full balance, a partial amount, or more than the balance if you want to prepay. Select your payment method: bank account, debit card, or credit card. If paying by bank account, provide your routing number and account number. If paying by card, enter the card number, expiration date, and CVV. Review the payment details and click "Confirm Payment."
You will receive a confirmation number when ready. FPL will send a confirmation email to the address you provide. Keep the confirmation number for your records in case you need to dispute or track the payment later.
Setting up automatic payments (autopay)
Autopay removes the need to log in and pay each month. To set it up, log into your FPL account at FPL.com (create one if you do not have one yet) or use the FPL mobile app. Go to "Billing & Payments" and select "Autopay." Choose the date each month when you want FPL to withdraw the payment — most customers choose a date shortly after payday.
You can set autopay to deduct the full bill amount each month, or you can set a fixed dollar amount if you prefer to pay a set sum regardless of usage. FPL will email you a bill summary before the withdrawal date so you can see what will be charged. If your bill varies significantly month to month, you may want to review it before the payment posts.
To cancel autopay, log into your account and go to "Autopay" again, then select "Cancel." The cancellation takes effect when ready, and FPL will not attempt any further automatic withdrawals. You can restart autopay anytime.
Payment methods and fees
| Payment Method | Fee | Processing Time |
|---|---|---|
| Bank account (one-time) | None | 1 business day |
| Bank account (autopay) | None | On scheduled date |
| Debit card | 2–3% of payment | 1 business day |
| Credit card | 2–3% of payment | 1 business day |
Bank account payments are the cheapest option because they carry no fee. If you use a credit card, the fee is charged in addition to your bill — a $150 payment will cost you roughly $153 to $155 depending on FPL's processor. Debit card fees are the same as credit card fees. If you have a rewards credit card, you may want to calculate whether the rewards points offset the processing fee before choosing to pay by card.
What to do if your payment does not post
If you submitted a payment and your account still shows the balance unpaid after two business days, log back into FPL.com and check your payment history. You can find this under "Billing & Payments" or "Payment History." Look for your confirmation number and the status of the transaction. If it shows "Pending," wait one more business day. If it shows "Failed" or "Declined," the payment was not processed and you will need to submit it again.
Common reasons for payment failure include an incorrect routing number or account number, insufficient funds in your bank account, or a card that has expired or been flagged by your bank for fraud. If you used a debit or credit card and the payment was declined, try again with a different payment method or contact your bank to ask whether they blocked the transaction.
If a payment shows as posted in your FPL account but your bill still reflects the old balance, wait one more business day for the system to update. If the balance does not change after three business days, call FPL customer service at 1-800-226-3545 with your confirmation number and ask them to verify the payment was received.
Creating an FPL online account
While you can pay as a guest, creating an account gives you access to your full billing history, usage reports, and the ability to set up autopay. Go to FPL.com and click "Create Account" or "Sign Up." You will need your FPL account number, ZIP code, and an email address. FPL will send you a verification link — click it to confirm your email.
Once your account is active, you can log in anytime to view your current bill, past bills, and payment history. You can also see your daily energy usage if you have a smart meter, which can help you understand when you use the most electricity. Your account also lets you set up payment reminders and manage autopay settings.
Frequently Asked Questions
Can I pay my FPL bill online if I am behind on payments?
Yes. You can pay any amount online, whether it is the current bill, past-due amounts, or both. If you owe multiple months, you can pay the full amount owed or make a partial payment. FPL will explore your payment to the oldest debt first.
Is there a limit to how much I can pay online in one day?
FPL does not publish a daily payment limit on their website. If you are trying to pay a very large amount and the system rejects it, try breaking the payment into two separate transactions or contact FPL customer service at 1-800-226-3545 to ask about limits.
What happens if I pay more than my bill amount?
The overpayment becomes a credit on your account. FPL will explore it to your next month's bill automatically. If you want a refund instead of a credit, you can request one by calling customer service, though the refund may take several weeks to process.
Can I schedule a payment for a future date?
The FPL online portal does not have a "schedule for later" option for one-time payments. You can only pay when ready or set up autopay for a recurring date each month. If you want to pay on a specific future date, call FPL or wait until that date to log in and pay.
Do I need to be the account holder to pay online?
No. Anyone can pay an FPL bill online as a guest using the account number and ZIP code. You do not need to be the person whose name is on the account. However, if you want to set up autopay or access the full account history, you will need to create an account, which typically requires the account holder's information.