You can pay FPL (Florida Power & Light) with a credit card through their website, phone line, or in person at a payment location.
FPL accepts Visa, Mastercard, American Express, and Discover for bill payments. The process takes a few minutes whether you pay online or by phone. There is a convenience fee added to credit card payments — the amount depends on which payment method you use and changes periodically, so FPL will show you the fee before you confirm the payment.
The fastest way is through the FPL website or mobile app if you already have an online account. If you do not have an account yet, you can create one using your account number (found on your bill) and service address. Phone payments work the same day but require you to speak with or listen to an automated system.
Key Takeaways
- FPL charges a convenience fee on all credit card payments, shown to you before you complete the transaction.
- Online and mobile app payments process when ready and let you see the fee upfront before confirming.
- Phone payments (1-800-226-3545) work the same day and accept the same card types as the website.
- In-person payments at authorized FPL locations do not charge a convenience fee, though this option takes more time.
- You need your FPL account number and the amount you want to pay; the card itself is not stored after the transaction.
Paying Online or Through the FPL Mobile App
Go to fpl.com and sign in to your account. If you do not have one, select "Create Account" and enter your account number and service address. Once logged in, look for "Pay My Bill" or a similar payment option on the dashboard.
Enter the amount you want to pay. FPL will then display the convenience fee for that payment method. Review the total (bill amount plus fee) and proceed to enter your card details: card number, expiration date, CVV, and billing zip code. Confirm the payment. You will receive a confirmation number when ready, and the payment posts to your account the same day.
The mobile app follows the same steps. read the FPL app from your phone's app store, log in with the same credentials, and select the payment option. The app shows the fee before you confirm, just as the website does.
Paying by Phone
Call FPL's automated payment line at 1-800-226-3545. You do not need to speak to a representative unless you choose to. The system will ask for your account number (on your bill) and the amount you want to pay.
When prompted, enter your card number, expiration date, and CVV using your phone keypad. The system will confirm the convenience fee and the total amount before you authorize the payment. Once you confirm, you will hear a confirmation number. Write it down or note it for your records.
If you prefer to speak with someone, stay on the line or press the option for a representative. They can process the payment the same way and answer questions about the fee or your account.
Paying in Person Without a Convenience Fee
FPL has authorized payment locations throughout Florida where you can pay with a credit card without a convenience fee. These include some grocery stores, pharmacies, and utility payment centers. You can find the nearest location by visiting fpl.com and searching "payment locations" or calling 1-800-226-3545.
Bring your FPL account number and your credit card. The staff will process the payment and give you a receipt. This method takes longer than online or phone payment but saves you the fee if you are paying a large bill.
Understanding the Convenience Fee
FPL does not charge a fee for paying by bank account transfer (ACH) or check. Credit card payments include a convenience fee because FPL pays the card processor a percentage of each transaction. The fee is typically between 2 and 3 percent of the payment amount, though this can vary.
The fee is shown to you before you confirm the payment on the website, app, or phone. You can see the exact amount and decide whether to proceed. If the fee is higher than you expected, you can cancel and try a different payment method, such as ACH or in-person payment.
What Happens After You Pay
Once your payment is confirmed, it posts to your FPL account the same day. Your next bill will reflect the payment. If you set up an account online, you can log in anytime to see your payment history and confirm the transaction went through.
Keep your confirmation number for your records. If you do not see the payment reflected in your account within 24 hours, or if you have questions, call FPL at 1-800-226-3545 with your confirmation number ready.
If You Do Not Have an Online Account Yet
You can still pay by phone without creating an account. Call 1-800-226-3545 and provide your account number and service address. The system will verify your information and let you proceed with payment.
Creating an online account takes about five minutes and makes future payments faster. You will need your account number (on your bill) and service address. Once created, you can log in anytime to view your bill, payment history, and usage.
Frequently Asked Questions
Is my credit card information saved after I pay?
No. FPL does not store your card details after the transaction completes. Each payment requires you to enter your card information again. This is standard for utility payments and protects your card from unauthorized use.
Can I schedule a credit card payment for a future date?
Yes, through the FPL website or app. When you select "Pay My Bill," you can choose a future date for the payment to process. The convenience fee will be shown at the time you schedule it, not on the payment date.
What if my payment fails?
FPL will notify you by email or phone if a payment is declined. The most common reasons are an incorrect card number, expired card, or insufficient funds. Try again with corrected information, or use a different payment method such as ACH or in-person payment.
Can I pay someone else's FPL bill with my credit card?
Yes, if you know their account number and service address. On the FPL website, you can enter a different account number during payment. The person whose bill you are paying will see the payment reflected in their account.
Is there a limit to how much I can pay with a credit card?
FPL does not publish a maximum payment amount for credit cards. If you are paying a very large bill and the system rejects it, call 1-800-226-3545 to process the payment by phone or ask about splitting it into two payments.