You can pay a PECO bill one time as a guest without logging in or setting up an account

PECO's guest payment option lets you pay a single bill using only your account number and ZIP code. You do not need to create a username, password, or provide an email address. The payment processes the same day you submit it, and PECO sends a confirmation number to the phone number or email you enter during checkout — but that information is not saved to a profile.

This route works if you are paying someone else's bill, paying your own bill from a computer you do not want to log into, or straightforward prefer not to create an account. The trade-off is that you cannot set up automatic payments, view past bills, or manage multiple accounts from one login.

Key Takeaways

  • Guest payment requires only your PECO account number, ZIP code, and payment method — no username or password needed.
  • Payment posts the same day you submit it, and PECO sends a confirmation number by phone or email within minutes.
  • You cannot save payment methods, set up automatic payments, or access your account history through guest checkout.
  • Guest payments work for full bills or partial payments, and you can pay by debit card, credit card, or bank account.

Finding your PECO account number before you start

Your PECO account number appears on your paper bill in the upper right corner, usually printed as a seven-digit number. If you do not have a bill in front of you, you can find it on any past bill, on a payment stub, or in an email PECO sent you about your account.

If you are paying someone else's bill and do not have their account number, ask them for it directly — PECO will not provide it over the phone to anyone but the account holder. Once you have the number and the ZIP code where the service address is located, you are ready to start the payment process.

Steps to pay as a guest on PECO's website

Go to peco.com and look for the "Pay My Bill" button, usually located near the top of the homepage. Click it and select "Pay as Guest" or "Continue as Guest" — the exact wording may vary slightly depending on when PECO updates the site.

Enter your seven-digit PECO account number and the ZIP code of your service address. PECO will pull up your account and show you the amount due. Review the balance to make sure it matches what you expected, then choose whether to pay the full amount or a partial payment.

Select your payment method: debit card, credit card, or bank account. If you choose a bank account, you will need your routing number and account number. Enter the payment amount, the phone number or email where you want your confirmation sent, and review the summary before submitting.

Click "Submit Payment" or "Confirm Payment." PECO will display a confirmation number on screen — write it down or take a screenshot. You will also receive the confirmation number by phone or email within a few minutes, depending on which method you chose.

What happens after you submit a guest payment

PECO processes guest payments the same day you submit them during business hours. If you pay before 5 p.m. on a weekday, the payment typically posts to your account by the next business day. Payments submitted after 5 p.m. or on weekends post on the next business day.

The confirmation number PECO gives you is proof the payment was received. Keep it in case you need to dispute the charge or verify payment later. If you do not receive a confirmation email or text within 30 minutes, check your spam folder or contact PECO customer service with your confirmation number.

Your payment will reduce the balance on your account, but it does not stop future bills from arriving. If you want to stop receiving bills or change your service, you will need to contact PECO directly — guest payment only covers a single transaction.

When guest payment is the right choice

Guest payment works well if you are paying a bill once and do not plan to use PECO's online account features. It is also the fastest option if you do not want to remember another password or deal with account setup.

If you are paying someone else's bill regularly — for example, helping a family member or managing a rental property — you might find it easier to create an account and add their account to your login. That way you can see the bill amount before you pay and set up automatic payments if you want to. But if this is a one-time payment, guest checkout takes less than five minutes.

Payment methods and fees for guest checkout

PECO accepts debit cards, credit cards, and bank account transfers through guest payment. Credit card payments may carry a processing fee, usually around 2.5 percent of the payment amount, though this varies by card type and processor. Debit card and bank account payments typically have no fee or a smaller fee — check the payment screen before you submit to see the exact amount.

The fee is added to your payment total, so if your bill is $150 and the fee is $3.75, you will be charged $153.75. PECO does not refund the fee if you later dispute the payment, so make sure the amount is correct before you click submit.

Frequently Asked Questions

Can I set up automatic payments as a guest?

No. Guest payment is for one-time transactions only. To set up automatic payments, you need to create a PECO account with a username and password. Once you log in, you can arrange for PECO to charge your bank account or card on the same date each month.

What if I enter the wrong account number?

PECO will not process the payment if the account number does not match the ZIP code you entered. The system will ask you to re-enter the information. If you keep getting an error, double-check the account number on your bill or contact PECO to confirm it is correct.

Can I pay a bill that is not in my name as a guest?

Yes. PECO does not verify who is making the payment, only that the account number and ZIP code match. You can pay anyone's PECO bill as long as you have their account number and service address ZIP code. The payment will post to that account regardless of whose name is on the check or card.

How long does it take for a guest payment to show up on my account?

Guest payments typically post within one business day. If you pay before 5 p.m. on a weekday, it usually shows by the next morning. Payments submitted after hours or on weekends post on the next business day. You can check your account status by calling PECO or creating a login to view it online.

What if I need a receipt for my guest payment?

Your confirmation number is your receipt. PECO will email or text it to you when ready after payment. Save this number in case you need to reference the payment later. If you lose the confirmation, contact PECO customer service with the date and amount of your payment, and they can look it up in their system.