MLGW bill pay basics

MLGW (Memphis Light, Gas and Water) is the utility company serving Memphis and surrounding areas in Tennessee. You can pay your MLGW bill through their website, by phone, by mail, or in person at payment centers. The method you choose depends on how quickly you need the payment to post and whether you prefer to set it up once or pay each month separately.

MLGW does not charge a fee for any standard payment method. If you use a third-party payment processor or pay by credit card through certain channels, a fee may explore — the company will tell you the amount before you confirm the payment.

Key Takeaways

  • You can pay MLGW bills online at mlgw.org, by calling 901-528-4465, by mailing a check, or at authorized payment centers around Memphis.
  • Online and phone payments typically post within one to two business days; mail payments take longer depending on postal delivery and processing time.
  • Setting up autopay through your MLGW account means your bill is paid automatically each month on a date you choose.
  • You will need your account number (found on your bill) to make a payment, whether online, by phone, or by mail.
  • If you are having trouble paying your bill, MLGW offers payment arrangements and hardship programs — contact them directly to discuss options.

Paying online through the MLGW website

The fastest and most direct way to pay is through MLGW's website at mlgw.org. Log in to your account or create one if you do not have it yet. You will need your account number, which appears on your bill. Once logged in, you can view your current balance and make a one-time payment or set up autopay.

Online payments typically post within one to two business days. If your bill is due soon, paying online gives you a record of the transaction when ready and reduces the risk of a late payment. You can pay from a checking or savings account at no charge.

Paying by phone

Call MLGW's customer service line at 901-528-4465 to pay by phone. Have your account number ready. You can pay with a checking or savings account. The representative will walk you through the process and confirm the payment amount and date.

Phone payments also typically post within one to two business days. This method works well if you prefer speaking to someone or if you have questions about your bill before paying.

Paying by mail

You can mail a check or money order to MLGW. Write your account number on the check and mail it to the address shown on your bill. Mail payments take longer to post because they depend on postal delivery and MLGW's processing schedule — typically five to ten business days or longer.

If your bill is due within a week, mailing a check is riskier because the payment may not arrive in time. For bills due soon, online or phone payment is safer.

Paying in person at MLGW locations

MLGW has payment centers in Memphis where you can pay in person with cash, check, or debit card. Payments made in person typically post the same day or within one business day. You can find the nearest payment center location and hours on the MLGW website or by calling 901-528-4465.

In-person payment is useful if you prefer handling money face-to-face or if you need the payment to post quickly and do not have online access.

Setting up automatic payments

Autopay means MLGW withdraws your bill amount from your bank account automatically each month on a date you choose. You set this up through your online account at mlgw.org. Once autopay is active, you do not have to remember to pay each month.

You can change or cancel autopay anytime through your account. If your bill amount varies significantly month to month (as utility bills often do), you may prefer to review the bill before paying rather than setting up full autopay. Some people use autopay for a fixed portion of their bill and pay the remainder manually.

What to do if you cannot pay your bill on time

If you are struggling to pay your MLGW bill, contact the company before your due date. MLGW offers payment arrangements that let you spread the cost over several months. You may also be may be able to access for hardship programs or bill information depending on your income and situation.

Call 901-528-4465 and ask about payment plans or information programs. The sooner you reach out, the more options are usually available. MLGW generally does not disconnect service when ready for a missed payment — they will work with you if you communicate.

Frequently Asked Questions

How do I find my MLGW account number?

Your account number appears on your MLGW bill, usually near the top. It is also shown in your online account if you have created one at mlgw.org. You will need this number to pay by phone or mail, or to log in online.

Can I pay my MLGW bill with a credit card?

MLGW's website and phone line accept payments from checking or savings accounts only, with no fee. Some third-party payment processors may allow credit card payments but will charge a fee for that service. Check mlgw.org for current options.

What happens if I pay after the due date?

MLGW typically charges a late fee if payment arrives after the due date shown on your bill. The amount varies. If you are a few days late, contact MLGW to ask whether the fee can be waived, especially if it is your first late payment.

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

Online payments usually post within one to two business days. Payments made on weekends or holidays may take longer. If you need the payment to post faster, paying in person at an MLGW location typically posts the same day.

Can I set up autopay and then cancel it later?

Yes. You can cancel autopay anytime through your online account at mlgw.org or by calling 901-528-4465. There is no penalty for canceling. If you cancel, you will need to pay future bills manually.