FPL Credit Card Payment Methods and Where to Send Them
FPL (Florida Power & Light) does not issue a credit card. If you received a bill or notice mentioning an "FPL credit card," it is either a misunderstanding about your electric bill payment options, or you are looking at a third-party credit card that you used to pay an FPL electric bill.
If you have an FPL electric account, you can pay your monthly bill through several channels: online through the FPL website, by phone, by mail, in person at an FPL office, or through automatic bank withdrawal. If you used a credit card to pay that electric bill, you are paying FPL directly — the credit card is just your payment method, not a separate FPL product.
The confusion often arises because FPL accepts credit and debit cards as payment methods, but does not partner with any bank to issue a branded FPL credit card. Your payment goes to FPL, not to a credit card issuer.
Key Takeaways
- FPL does not issue its own credit card; you can pay your electric bill using a credit card you already own through FPL's payment system.
- You can pay your FPL electric bill online at fpl.com, by phone at 1-800-226-3545, by mail, or through automatic bank withdrawal.
- Paying an FPL bill with a credit card may result in a convenience fee, which varies depending on the payment method you choose.
- If you used a third-party credit card to pay FPL and have questions about that charge, contact your credit card issuer, not FPL.
Paying Your FPL Electric Bill Online
The FPL website (fpl.com) is the most direct way to pay your electric bill. You will need your FPL account number, which appears on your monthly bill. Log in to your account or pay as a guest without creating an account.
When you choose to pay with a credit or debit card online, FPL may charge a convenience fee. This fee is separate from your bill amount and is added at checkout. The exact fee depends on the payment processor FPL uses at that time, so check the fee before you confirm the payment.
Automatic payments set up through the FPL website typically do not carry a convenience fee if you link a bank account directly. This is the least expensive way to pay if you want a recurring payment.
Paying by Phone or Mail
You can call FPL's payment line at 1-800-226-3545 to pay your bill over the phone using a credit or debit card. A convenience fee will explore to phone payments as well. The representative will tell you the fee amount before processing your payment.
To pay by mail, send a check or money order to the address printed on your FPL bill. Do not send cash. Include your account number on the check so FPL can match the payment to your account. Mail payments typically take 7 to 10 business days to post to your account, so plan ahead if your bill is due soon.
In-Person Payment at FPL Offices
FPL has payment centers in Florida where you can pay in person with cash, check, or debit card. Paying in person with cash or check usually does not incur a convenience fee. You can find the nearest FPL office location on their website or by calling 1-800-226-3545.
Payment centers are typically open during business hours Monday through Friday. Hours vary by location, so confirm the hours before you visit.
Automatic Bank Withdrawal (Budget Billing)
Setting up automatic payments from your bank account is often the cheapest option because FPL does not charge a convenience fee for bank-to-bank transfers. You authorize FPL to withdraw your bill amount on a set date each month, usually around your bill due date.
You can set up automatic withdrawal through the FPL website, by phone, or in person. You will need your bank account number and routing number. If your bill amount varies month to month (which it does for most customers), FPL will withdraw the full amount due each month.
Understanding Convenience Fees
A convenience fee is a charge FPL passes through when you pay with a credit card, debit card, or by phone. This fee is not a late fee or penalty — it is a processing cost that third-party payment processors charge FPL, and FPL passes it to you when you use that method.
Convenience fees typically range from 1.5% to 3% of your bill amount, but the exact percentage varies. You will see the fee amount before you complete the payment, so you can decide whether to proceed or choose a different payment method.
Paying by mail, in person with cash or check, or through automatic bank withdrawal avoids this fee entirely.
What to Do If You See an Unexpected Charge
If you paid your FPL bill with a credit card and see a charge on your credit card statement that you do not recognize, first check your FPL account online or on your bill to confirm the payment posted correctly. FPL's website shows your payment history and the exact amount paid.
If the charge on your credit card is higher than your FPL bill, the difference is likely the convenience fee. If you believe the fee is incorrect or the payment did not post to your FPL account, contact FPL directly at 1-800-226-3545 with your account number and the date of payment.
If the charge appears on your credit card but you did not authorize it, contact your credit card issuer when ready to report unauthorized charges. Your credit card company can investigate and reverse fraudulent charges.
Frequently Asked Questions
Does FPL offer a credit card with rewards or cashback?
No. FPL does not issue a branded credit card. You can use any credit card you own to pay your FPL bill through their website or by phone, but FPL itself does not offer rewards or cashback on bill payments.
Can I pay my FPL bill with a credit card without paying a convenience fee?
No. FPL charges a convenience fee when you pay with a credit or debit card online or by phone. To avoid the fee, pay by mail, in person with cash or check, or set up automatic withdrawal from your bank account.
How long does it take for an online credit card payment to show up on my FPL account?
Online payments typically post within one business day. If you pay after 5 p.m. Eastern Time, the payment may not post until the next business day. Check your FPL account online to confirm the payment has been received.
What happens if I pay my FPL bill with a credit card and then dispute the charge?
If you dispute a legitimate FPL bill payment with your credit card company, FPL may suspend your account or report the dispute to the credit bureaus. Only dispute a charge if it is truly unauthorized or if FPL failed to credit the payment to your account after you have contacted them.
Can I set up automatic payments with a credit card?
FPL's automatic payment option works best with a bank account, which avoids convenience fees. Some payment processors allow automatic credit card payments, but you would be charged a convenience fee each month. Check the FPL website for current options.