How to pay your FPL bill

Florida Power & Light (FPL) offers several ways to pay your bill without visiting a physical location. You can pay online through your FPL account, by phone with a representative, by mail, or through automatic payments. The method you choose depends on how quickly you need the payment processed and whether you want to set it and forget it.

Most payments made online or by phone are reflected in your account within one business day. Mail payments take longer — typically 7 to 10 business days from the time FPL receives them — so mail is best used only when you have time before your due date. If your bill is due soon, online or phone payment is faster and more reliable.

Key Takeaways

  • You can pay your FPL bill online at fpl.com by logging into your account with your username and password, or by creating an account if you do not have one.
  • Phone payments can be made by calling FPL's automated system at 1-800-226-3545 or speaking to a representative during business hours.
  • Automatic payments (called Budget Billing or recurring payments) deduct a set amount from your bank account or credit card on the same day each month, so you never miss a due date.
  • Mail payments should be sent to the address on your bill at least 10 days before the due date to may support they arrive and post in time.
  • FPL does not charge a fee for online or phone payments made with a bank account, but credit or debit card payments may include a processing fee.

Paying online through your FPL account

The fastest and most direct way to pay is through FPL's website. Go to fpl.com and select "Pay My Bill" or "Billing" from the main menu. If you already have an online account, log in with your username and password. If you do not have an account, you can create one by entering your account number (found on your bill) and other identifying information.

Once logged in, your current bill amount and due date will appear on the screen. Select the amount you want to pay — you can pay the full bill, a partial amount, or more than the minimum. Choose your payment method: bank account (no fee), debit card, or credit card (both may have a fee). Enter the payment details and confirm. FPL will show you a confirmation number when ready, and the payment will post to your account within one business day.

If you do not want to create an online account, FPL also allows one-time payments without logging in. Visit fpl.com, select "Pay Without Logging In," and enter your account number and zip code. You can then pay with a bank account or card using the same process.

Paying by phone

You can pay by phone 24 hours a day using FPL's automated system. Call 1-800-226-3545, follow the prompts to enter your account number, and choose your payment amount and method. The system accepts bank account and card payments. You will receive a confirmation number at the end of the call.

If you prefer to speak with a representative, call the same number during business hours (typically 7 a.m. to 7 p.m. Monday through Friday, and 8 a.m. to 5 p.m. Saturday). A representative can answer questions about your bill, discuss payment plans if you are behind, or help you set up automatic payments. Wait times vary depending on call volume.

Setting up automatic payments

Automatic payments remove the need to remember your due date. FPL calls this service "recurring payments" or "autopay." You can set it up online, by phone, or by mail. To set up online, log into your account at fpl.com, go to "Billing," and select "Automatic Payments" or "Recurring Payments." Choose the amount (usually your average bill or a fixed amount you set), the day of the month you want it to be deducted, and your payment method.

Once active, the payment will be deducted automatically on the same day each month. You can change the amount or pause the payment anytime through your online account. If your bill varies significantly month to month, you can set the payment to your average amount and pay any difference manually when the bill arrives, or adjust the automatic amount as needed.

Automatic payments are especially useful if you want to avoid late fees or disconnection. FPL will not disconnect your service for non-payment on the day the automatic payment is scheduled, even if the payment has not yet posted.

Paying by mail

If you prefer to pay by check or money order, you can mail your payment to the address printed on your bill. Write your account number on the check or money order. Mail should be sent at least 10 days before your due date to allow time for delivery and processing.

FPL's mailing address is typically listed on your bill under "Make Checks Payable To" or "Mail Payment To." Do not send cash by mail. Keep a record of the check number or money order receipt for your records. Payments received by mail are posted to your account 2 to 3 business days after FPL receives them, so there is a delay between when you mail it and when it shows up in your account.

Payment methods and fees

FPL does not charge a fee when you pay with a bank account (checking or savings) online or by phone. If you use a debit card or credit card, FPL's payment processor may charge a fee — typically 2% to 3% of the payment amount. The fee is disclosed before you confirm the payment, so you can see the total cost before committing.

Some people choose to pay with a bank account to avoid fees, even if it means setting up a separate transaction. Others use a rewards credit card and accept the fee as the cost of earning points. The choice depends on your preference and financial situation.

What to do if your payment does not post

If you made a payment online or by phone and it does not appear in your account within one business day, log back into your account and check the "Payment History" or "Recent Transactions" section. You should see the payment listed with a confirmation number. If the payment shows as pending, it will post within 24 hours.

If the payment does not appear at all, contact FPL at 1-800-226-3545 with your confirmation number. A representative can look up the payment and tell you its status. If the payment was declined (for example, due to insufficient funds or an incorrect card number), FPL will notify you, and you will need to submit a new payment.

For mail payments, if your check has not posted after 15 days, contact FPL with the check number and amount. FPL can search for it or advise you to stop payment and resubmit.

Frequently Asked Questions

Can I pay my FPL bill at a store or payment center?

FPL does not operate payment centers, but you may be able to pay at certain retail locations or through third-party payment services. Check fpl.com or call 1-800-226-3545 to ask whether your area has in-person payment options. Online and phone payments are usually faster and more direct.

What happens if I pay after the due date?

If your payment is received after the due date, FPL may charge a late fee. The amount varies but is typically a percentage of your bill. If you are going to be late, contact FPL as soon as possible to discuss a payment plan or extension. Automatic payments help prevent late fees because they deduct on a set schedule.

Can I pay someone else's FPL bill?

Yes, you can pay another person's bill if you have their account number. When you pay online or by phone, enter their account number instead of your own. The payment will be applied to their account. You do not need to be the account holder to make a payment.

Is my payment information find when I pay online?

FPL uses encryption and security measures to protect your payment information. Your bank account or card details are not stored on FPL's website after the transaction completes. If you are concerned about security, you can pay by phone with a representative or by mail instead.

Can I set up automatic payments with a credit card?

Yes, you can set up automatic payments with a credit card, but FPL's processor will charge a fee for each transaction. A bank account payment has no fee, so many customers use that method for automatic payments to save money over time.