Louisville Water Company offers three main ways to pay your bill: online through their website, by phone, or by mail
Louisville Water Company, the municipal utility serving Louisville and Jefferson County, Kentucky, accepts payments through its website at louisvillewater.com, by telephone at 502-589-1444, and by check or money order sent by mail. Online payment is the fastest route — it processes the same day if submitted before 5 p.m. Eastern Time on a business day. Phone payments also process when ready but may carry a convenience fee depending on the payment method you choose.
Your bill arrives monthly and shows the amount due, the due date (typically 20 days after the bill date), and late payment penalties if the bill is not paid by that date. You can pay the full amount or, in some cases, arrange a partial payment plan if you contact the company before the due date. The company does not require you to set up an account online to pay — you can make a one-time payment with just your account number and mailing address.
Key Takeaways
- Online payment through louisvillewater.com is free and processes the same day if submitted before 5 p.m. on a business day.
- Phone payments at 502-589-1444 process when ready but may include a convenience fee depending on your payment method.
- Mailed checks should be sent to the address on your bill and take 7 to 10 business days to process.
- Late payments trigger a penalty charge, so paying by the due date shown on your bill avoids additional costs.
- You do not need to create an online account to make a single payment — your account number and address are sufficient.
Paying online without creating an account
Louisville Water Company allows one-time online payments without requiring you to register. Visit louisvillewater.com and look for the "Pay My Bill" or "Make a Payment" option on the homepage. Enter your account number (found on your bill), your mailing address, and the amount you want to pay. The system accepts debit cards, credit cards, and bank account transfers.
If you pay by debit or credit card, the transaction processes when ready and you receive a confirmation number. Bank account payments (ACH transfers) also process the same day if submitted before 5 p.m. Eastern Time on a business day. The company does not charge a fee for online payments made through its website.
Setting up automatic or recurring payments
If you want to pay the same amount every month without logging in each time, you can set up automatic payments through your Louisville Water account. Create an account on louisvillewater.com by providing your account number, email address, and a password. Once logged in, navigate to the payment settings and choose either automatic full-balance payments or a fixed amount on a date you select.
Automatic payments draw from a bank account you authorize. You can change or cancel the arrangement at any time through your account settings. The company sends a confirmation email each time a payment is processed, so you have a record of when money left your account.
Paying by phone or mail
To pay by phone, call 502-589-1444 during business hours. A representative will ask for your account number and the amount you want to pay, then guide you through payment method options. Phone payments accept debit cards, credit cards, and bank account information. Some payment methods may carry a convenience fee — the representative will disclose this before processing your payment.
To pay by mail, write a check or money order payable to Louisville Water Company and include your account number on the check. Mail it to the address printed on your bill. Mailed payments typically take 7 to 10 business days to reach the company and post to your account. If you are close to the due date, mailing is not reliable — use online or phone payment instead.
What happens if you miss the due date
Louisville Water Company charges a late payment penalty if your bill is not paid by the due date shown on your statement. The penalty is a percentage of the unpaid balance and appears on your next bill. If you know you will miss the due date, contact the company before that date to discuss a payment arrangement or extension — the company may be willing to work with you rather than explore the penalty.
If your account falls significantly behind, the company may issue a notice of intent to disconnect service. This notice gives you a window to pay the overdue amount or contact the company to set up a payment plan. Disconnection typically occurs 10 to 15 days after the notice if the account remains unpaid.
Finding your account number and bill information
Your account number appears in the upper right corner of your paper bill or in your online account dashboard if you have created one. If you have lost your bill, you can find your account number by logging into louisvillewater.com with your email and password, or by calling 502-589-1444 and providing your name and service address.
Your bill also shows your current balance, the amount due, the due date, and any previous unpaid amounts. If you notice an error on your bill — a charge you do not recognize or an amount that seems incorrect — contact the company's customer service line to dispute it before paying.
Payment options comparison
| Payment Method | Processing Time | Fee | When to Use |
|---|---|---|---|
| Online (louisvillewater.com) | Same day if before 5 p.m. ET | None | Best option for most payments; fastest and free |
| Phone (502-589-1444) | when ready | Varies by payment method | When you need when ready confirmation or have questions |
| Mail (check or money order) | 7 to 10 business days | None | Only if you have time before the due date |
| Automatic payment (ACH) | Same day if set before 5 p.m. ET | None | When you want to pay the same amount monthly |
Frequently Asked Questions
Can I pay my Louisville Water bill with a credit card online?
Yes, Louisville Water accepts credit cards on its website. Be aware that some credit card companies may charge a cash advance fee or treat utility payments as a cash advance, so check with your card issuer first if you are concerned about fees.
What if I pay online but my payment does not show up on my account?
Online payments typically post within 24 hours. If your payment was submitted before 5 p.m. Eastern Time on a business day, check your account the next business day. If it still has not appeared after two business days, call 502-589-1444 with your confirmation number and the company can investigate.
Can I set up a payment plan if I cannot pay my full bill?
Contact Louisville Water Company before your due date to discuss a payment arrangement. The company may allow you to split your bill into smaller payments over several weeks or months, though this is handled case by case. Calling 502-589-1444 is the fastest way to request this option.
Is there a discount for paying in full or early?
Louisville Water does not offer discounts for early or full payment. Your bill is the same regardless of when you pay, as long as you pay by the due date to avoid late penalties.
What if my check gets lost in the mail?
If you mailed a check and it does not appear on your account after 10 business days, call 502-589-1444 with the check number and amount. The company can help you determine whether it was received and, if not, you can stop payment on the check and pay by another method.