The main ways to pay PECO

PECO (Philadelphia Electric Company) accepts payments through its website, by phone, by mail, and in person at payment centers. The fastest route is online through your PECO account at peco.com, where you can pay when ready with a bank account or debit card. If you prefer not to use the website, you can call PECO's automated payment line at 1-800-494-4000 and pay by phone with the same account or card information.

For customers who want to avoid online or phone payments, PECO operates payment centers in the Philadelphia area where you can pay in cash or check in person. You can also mail a check or money order to the address on your bill. Mail payments typically take 7 to 10 business days to reach PECO, so plan ahead if your due date is soon.

Key Takeaways

  • Online payment through peco.com is the fastest option and posts to your account the same day or next business day.
  • Phone payments through 1-800-494-4000 work 24/7 and require your account number and bank or card details.
  • In-person payments at PECO payment centers accept cash, checks, and debit cards but require you to travel to a physical location.
  • Mail payments take 7 to 10 business days, so send them at least two weeks before your due date to avoid late fees.
  • Setting up automatic payments from your bank account can prevent missed due dates and late charges.

Paying online through your PECO account

Log into your account at peco.com using your username and password, or create an account if you don't have one yet. Once logged in, select "Pay My Bill" and enter the amount you want to pay. You can pay the full balance, the minimum amount due, or any amount in between.

PECO accepts payments from a checking or savings account (which posts the same day or next business day) or from a debit card (which may take one to two business days). There is no fee for paying from a bank account, but PECO charges a fee if you pay with a debit or credit card—the fee amount appears on the payment screen before you confirm. Once you complete the payment, PECO sends a confirmation number to your email.

Paying by phone or automated system

Call PECO's automated payment line at 1-800-494-4000 any time, day or night. The system will ask for your account number (found on your bill) and the amount you want to pay. You can pay from a checking or savings account or with a debit card. Like online payments, bank account payments post the same or next business day, while debit card payments may take longer.

If you prefer to speak with a representative, you can call PECO's customer service line during business hours (usually 7 a.m. to 7 p.m. Monday through Friday) and ask to make a payment. A representative can also help if you have questions about your bill or need to set up a payment plan.

In-person payment at PECO locations

PECO operates payment centers in Philadelphia and surrounding areas where you can pay in person. These locations accept cash, checks, and debit cards. To find the nearest payment center and its hours, visit peco.com or call customer service. Payment centers are typically open during business hours on weekdays and some Saturday mornings.

Bring your bill or account number when you visit. If you pay by check or cash, ask for a receipt so you have proof of payment. In-person payments are processed when ready, so your account is updated the same day.

Mailing a check or money order

Write your account number on the check or money order and mail it to the address printed on your bill. PECO's mailing address is typically listed on the back of your bill or on the payment stub. Mail payments take 7 to 10 business days to arrive and be processed, so send your payment at least two weeks before the due date if you want to avoid a late fee.

Keep a copy of your check or a photo of the money order for your records. If you are concerned about whether your payment arrived, you can log into your PECO account online to see when the payment was posted.

Setting up automatic payments

PECO offers automatic payment options that deduct money from your bank account on a date you choose each month. To set this up, log into your account at peco.com, go to "Billing & Payments," and select "Autopay." You can choose to pay the full bill, a fixed amount, or the minimum due each month. Automatic payments are deducted from your account on the same day each month, usually a few days before the due date.

Automatic payments reduce the risk of missing a due date and incurring a late fee. You can change or cancel automatic payments at any time through your account. If your bill amount varies significantly from month to month, you may want to review your autopay settings regularly to make sure the amount makes sense.

What to do if you can't pay on time

If you know you won't be able to pay by the due date, contact PECO before the due date passes. Call customer service at 1-800-494-4000 and explain your situation. PECO may be able to set up a payment plan that spreads your balance over several months, which can help you avoid a late fee or service disconnection.

PECO also has programs for customers facing financial hardship. Depending on your income and household size, you may be able to receive bill information through LIHEAP (Low Income Home Energy information Program) or other local programs. Customer service can direct you to these resources or you can search for programs in your area through 211.org.

Frequently Asked Questions

Is there a fee to pay my PECO bill online?

There is no fee if you pay from a checking or savings account. PECO charges a fee if you pay with a debit or credit card, and the amount appears on the payment screen before you confirm the payment.

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

Payments from a bank account usually post the same day or the next business day. Debit card payments may take one to two business days. Once posted, your account balance updates when ready.

Can I pay my PECO bill with a credit card?

PECO does not accept credit cards directly. You can pay with a debit card online or by phone, but a fee applies. Some credit card companies allow you to pay bills through their own bill pay service, which may have different terms.

What happens if I miss my due date?

PECO charges a late fee if payment is not received by the due date. The amount of the late fee is shown on your bill. If you miss a payment, contact PECO when ready to discuss a payment plan or to learn about hardship programs that may help.

Can I set up automatic payments for a specific amount each month?

Yes. When you set up autopay through your PECO account, you can choose to pay the full bill, a fixed dollar amount, or the minimum due. You can change the amount or cancel autopay at any time.