Pepco's online payment options and where to find them

Pepco, which serves Maryland, the District of Columbia, and parts of Virginia, lets you pay your bill through their website or mobile app without calling or mailing a check. You can pay from your bank account or with a debit or credit card. The payment posts to your account the same day if you submit it before 5 p.m. Eastern time on a business day; payments after that time or on weekends post the next business day.

You do not need to set up an account to make a one-time payment. If you want to pay the same amount on the same date every month without logging in each time, you can set up automatic payments through Pepco's website or app, which is called Budget Billing or AutoPay depending on what you are automating.

Key Takeaways

  • Pepco's website and mobile app both accept one-time payments from a bank account or debit or credit card, with no account setup required for a single payment.
  • Payments submitted before 5 p.m. Eastern on a business day post the same day; all other payments post the next business day.
  • AutoPay automatically deducts the same amount on the same date each month from your bank account, and you can pause or cancel it anytime.
  • If you do not have internet access, you can pay by phone at 1-877-737-3267 or by mail using the payment coupon on your bill.

Steps to pay once through Pepco's website

Go to pepco.com and look for the "Pay My Bill" button, usually near the top of the page. You do not need to log into an account. Enter your account number (found on your bill) and your ZIP code, then click "Continue." The site will show your current balance and due date.

Choose your payment method: bank account, debit card, or credit card. If you use a bank account, you will enter your routing number and account number. For a card, enter the card number, expiration date, and CVV. Then enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between. Review the details and click to confirm. You will receive a confirmation number when ready.

Keep the confirmation number for your records. Pepco will send you an email receipt if you provide your email address during payment. You can also check the payment status by returning to pepco.com, entering your account number and ZIP code again, and looking at your account history.

Setting up automatic payments through AutoPay

AutoPay deducts the same amount from your bank account on the same date each month. To set it up, log into your Pepco account on pepco.com or use the Pepco mobile app. Go to the "Billing" or "Payment" section and select "AutoPay" or "Set Up Automatic Payments."

Choose your bank account as the payment method and enter your routing and account numbers. Select the date you want the payment to come out each month — most people choose the due date shown on their bill. Confirm the amount and review the terms. Once you submit, AutoPay is active and will run every month until you cancel it.

You can pause AutoPay for a month, change the payment date, or cancel it entirely by logging back into your account and adjusting the settings. There is no penalty for canceling. If your bill amount changes significantly — for example, if you move or your usage drops — you can update the AutoPay amount or switch back to paying manually.

Paying with a credit or debit card

Pepco accepts Visa, Mastercard, American Express, and Discover. When you pay with a card through their website or app, the payment is processed when ready, though it may take a business day to show on your Pepco account. There is no fee from Pepco for paying with a debit card, but credit card payments may carry a processing fee of 2.5% to 3% of the payment amount — Pepco will show you this fee before you confirm the payment.

If you use a credit card, the charge appears on your credit card statement as a payment to Pepco, not as a purchase. This means it does not affect your credit utilization the way a regular purchase would. However, the payment still counts as a transaction on your card, so check your credit card's terms if you are close to a spending limit or reward threshold.

Paying from your bank account

Paying directly from your checking or savings account through Pepco's website or app is usually free and faster than mailing a check. You will need your bank's routing number and your account number. Both appear at the bottom of your checks, or you can call your bank to ask for them.

When you pay from your bank account, the money is deducted within one to two business days. Pepco receives it the same day or next business day depending on when you submit it. This method works well for AutoPay because you only enter your bank details once, and the same account is charged every month. If you change banks, you will need to update your bank information in your Pepco account or set up AutoPay again with the new account details.

What to do if you cannot pay online

If you do not have internet access or prefer not to pay online, you can pay by phone at 1-877-737-3267. A representative can take a payment over the phone using your bank account or card. You can also mail a check or money order with the payment coupon from your bill to the address printed on it. Mail payments take longer to process — typically five to seven business days — so send them early if your due date is approaching.

Some Pepco offices also accept in-person payments, though this varies by location. Call 1-877-737-3267 to ask if there is a payment center near you. If you are behind on your bill and worried about disconnection, calling is often faster than mailing because a representative can note your account and may be able to work out a payment plan.

Frequently Asked Questions

Does Pepco charge a fee to pay online?

No fee for bank account payments. Credit and debit card payments may include a processing fee of 2.5% to 3%, which Pepco shows you before you confirm. You can avoid the fee by paying from your bank account instead.

Can I set up AutoPay and then change the amount later?

Yes. Log into your Pepco account, go to the AutoPay section, and update the payment amount. You can also pause AutoPay for a month if your bill is unusually low, then resume it the following month.

What happens if I pay more than I owe?

The overpayment stays on your account as a credit and reduces your next bill. If you want a refund instead, contact Pepco at 1-877-737-3267 and ask them to process it. Refunds typically take one to two weeks.

Is my bank information safe when I pay through Pepco's website?

Pepco uses encryption to protect your information during payment. Your bank details are not stored on Pepco's servers unless you set up AutoPay, in which case they are encrypted and used only for monthly deductions. You can delete your stored payment information anytime through your account settings.

What time should I pay to make sure my bill is on time?

Submit your payment before 5 p.m. Eastern on the due date to avoid a late fee. If the due date falls on a weekend or holiday, Pepco typically extends the important date to the next business day, but do not rely on this — pay early when possible.