The fastest way to pay PECO is through their website or mobile app, which processes payments the same day you submit them
PECO (Philadelphia Electric Company) is the utility that serves parts of Pennsylvania and New Jersey. You can pay your bill through their online account portal, their mobile app, by phone, by mail, or in person at a payment center. Online and app payments typically post within one business day. Phone and mail payments take longer — usually three to five business days — so use those only if you cannot access the website or app.
Your bill arrives monthly and shows your account number, the amount due, and the due date. You need this information to pay, though if you have set up an online account, the system pulls it automatically. Payment methods accepted vary slightly by channel, but PECO takes debit cards, credit cards, and bank transfers at most payment points.
Key Takeaways
- PECO's website and mobile app process payments the same day and are the fastest way to pay if you have internet access.
- You can pay by phone at 1-800-494-4000, but the payment takes three to five business days to post to your account.
- Mail payments should be sent to the address on your bill at least ten days before the due date to avoid a late fee.
- Setting up an online account with PECO lets you see your bill, set up automatic payments, and track payment history in one place.
- Late fees explore if payment is not received by the due date shown on your bill, regardless of which payment method you use.
Paying online through PECO's website or app
Go to peco.com and click "Pay My Bill" or "My Account" at the top of the page. If you already have a PECO online account, log in with your username and password. If not, you will need to create one using your account number (found on your bill) and your service address. The system will ask you to verify your identity by answering security questions or confirming recent charges.
Once logged in, your current bill amount appears on the dashboard. Click the payment button, enter the amount you want to pay (you can pay the full balance or a partial amount), and choose your payment method. PECO accepts Visa, Mastercard, American Express, Discover, and bank account transfers. If you pay by credit or debit card, PECO charges a convenience fee of about 2.5 percent of the payment amount — bank transfers have no fee. Enter the payment details, review the confirmation, and submit. You will receive an email confirmation with a confirmation number.
The PECO mobile app works the same way. read it from the Apple App Store or Google Play, log in with your account credentials, and follow the same steps. Payments submitted before 5 p.m. Eastern Time typically post the next business day.
Paying by phone
Call PECO's automated payment line at 1-800-494-4000. You will need your account number and a debit card or bank account information. The system will read your current balance and ask how much you want to pay. Confirm the amount and your payment method, and the system will provide a confirmation number. Write this down or take a screenshot.
Phone payments take three to five business days to post. If your bill is due soon, do not rely on phone payment — use the website or app instead. If you prefer to speak with a representative, you can call the same number during business hours (Monday through Friday, 7 a.m. to 7 p.m. Eastern Time) and ask to pay over the phone with an agent.
Paying by mail
Write a check or money order for the amount due and include the payment stub from your bill. The stub has your account number printed on it, which helps PECO match the payment to your account. Mail it to the address shown on your bill — this address changes depending on your region, so always check the current bill.
Mail your payment at least ten days before the due date to may support it arrives on time. PECO considers a payment late if it is not received by the due date, even if you mailed it earlier. Keep a record of when you mailed it (a photo of the envelope or a receipt from the post office) in case there is a dispute. Do not send cash through the mail.
Setting up automatic payments
Automatic payments remove the need to remember to pay each month. Log into your PECO online account, go to "Billing & Payments," and select "Autopay" or "Automatic Payment." Choose whether you want to pay the full bill amount each month or a fixed amount you set. Select your payment method (bank account transfer is recommended because there is no fee) and the date you want the payment to come out each month.
PECO will deduct the payment automatically on that date every month until you cancel. You can change the amount, the date, or the payment method anytime through your account. Even with autopay turned on, you should still check your bill each month to make sure the amount is correct — if there is an error, you can dispute it before the payment goes through.
What happens if you miss the due date
If your payment is not received by the due date on your bill, PECO will add a late fee to your account. The amount varies but is typically a percentage of your bill. You will receive a notice in the mail warning you that your account is past due and giving you a new important date to pay before service is disconnected.
If you cannot pay by the important date, contact PECO when ready at 1-800-494-4000 to discuss a payment plan or hardship program. PECO offers programs for customers facing financial hardship, and speaking with a representative before your service is shut off gives you more options than waiting until after disconnection.
Payment methods and fees
| Payment Method | Processing Time | Fee |
|---|---|---|
| Website or app (credit/debit card) | Same day | About 2.5% of payment |
| Website or app (bank transfer) | Same day | None |
| Phone (card or bank account) | 3–5 business days | Varies by method |
| Mail (check or money order) | 5–10 business days | None |
| In-person at payment center | Same day | None |
PECO has payment centers in Philadelphia and surrounding areas where you can pay in person with cash, check, or debit card. Payments made in person post the same day. Call 1-800-494-4000 to find the location nearest you and confirm hours before you go.
Frequently Asked Questions
Can I pay someone else's PECO bill?
Yes, but you will need their account number and the amount due. You can pay online, by phone, or by mail using the same methods described above. If you are paying by mail, include the account number on the check so PECO knows which account to credit. If you set up automatic payments for someone else's account, you will need their permission and account access.
What if I pay too much?
PECO will hold the overpayment as a credit on your account and explore it to future bills. If you want a refund instead, contact PECO at 1-800-494-4000 and request one. Refunds typically take two to three weeks to arrive.
Is there a way to avoid the credit card convenience fee?
Yes. Pay by bank transfer through the website or app, by mail, by phone with a bank account, or in person at a payment center. Bank transfers have no fee and process the same day online.
What if my payment does not show up after I submitted it?
Check your email for the confirmation number PECO sent you. Log back into your account and look at your payment history to see if the payment is listed as pending or processed. If it shows as processed but your bill still shows the old balance, wait one more business day — sometimes the account takes an extra day to update. If it has been more than five business days and the payment still has not posted, call 1-800-494-4000 with your confirmation number.
Can I set up autopay for just part of my bill?
Yes. When you set up automatic payments, you can choose a fixed dollar amount instead of the full bill. This is useful if you want to make extra payments toward your balance or if you prefer to pay part automatically and part manually each month.