You can pay FPL (Florida Power & Light) bills online, by phone, or through their mobile app using a credit card, though the company charges a convenience fee for this payment method.
FPL accepts Visa, Mastercard, American Express, and Discover. The convenience fee is not set by FPL — it comes from a third-party payment processor and varies depending on which payment channel you use. Online payments typically cost between 2% and 3% of your bill amount. Phone payments may have a different fee structure. You will see the exact fee before you confirm the payment, so you can decide whether to proceed.
Credit card payments do not post to your account when ready. Most payments take one to two business days to appear in FPL's system. If your bill is due soon, plan ahead rather than paying on the due date itself.
Key Takeaways
- FPL charges a convenience fee (typically 2% to 3%) when you pay with a credit card, and you will see this fee before confirming payment.
- You can pay online at fpl.com, by phone at 1-800-226-3545, or through the FPL mobile app using any major credit card.
- Credit card payments take one to two business days to post, so do not wait until your due date to pay.
- If you want to avoid the convenience fee, you can pay by bank transfer, check, or automatic bank draft at no extra cost.
Paying Online Through FPL's Website
Go to fpl.com and log into your account using your username and password. If you do not have an online account, you can create one by entering your account number and ZIP code. Once logged in, select "Pay My Bill" or a similar option in the main menu.
Enter the amount you want to pay. You can pay your full balance, a partial amount, or a specific dollar figure. FPL will then show you the convenience fee based on your payment amount. Review the fee and confirm that you want to proceed. On the next screen, enter your credit card details: card number, expiration date, CVV, and cardholder name and address.
After you submit, FPL will display a confirmation number. Save or print this number — you will need it if you have questions about the payment later. The payment will not appear in your account when ready, but FPL sends a confirmation email within a few minutes.
Paying by Phone
Call FPL's automated payment line at 1-800-226-3545. You will need your FPL account number, which appears on your bill. The automated system will ask you to enter your account number using your phone keypad, then guide you through the payment process.
When prompted, select the option to pay with a credit card. The system will ask for your card number, expiration date, and CVV. It will then calculate and display the convenience fee. You can accept or cancel at this point. If you accept, the system will provide a confirmation number.
If you prefer to speak with a representative, stay on the line after the automated greeting or press the option for customer service. A representative can process your credit card payment over the phone and answer questions about the fee or your account.
Paying Through the FPL Mobile App
read the FPL app from the Apple App Store or Google Play Store. Open the app and log in with your FPL username and password, or create an account if you do not have one. Tap "Pay My Bill" or the payment option in the main menu.
Enter the payment amount and select credit card as your payment method. The app will display the convenience fee before you enter your card details. Confirm the fee, then enter your credit card information. The app will show a confirmation number once the payment is submitted.
Payments made through the app follow the same one- to two-business-day posting timeline as online payments. You will receive a confirmation email shortly after submission.
Understanding the Convenience Fee
FPL does not set the convenience fee — a third-party payment processor charges it and keeps it. The fee is typically between 2% and 3% of your bill amount, though the exact percentage depends on which payment method you choose. For example, a $100 bill might cost $102 to $103 when paid by credit card online.
You will always see the fee amount before you confirm payment. If the fee seems high relative to your bill, you have the option to choose a payment method that does not charge a fee, such as automatic bank draft or mailing a check.
Free Payment Methods to Avoid the Convenience Fee
If you want to avoid the credit card convenience fee, FPL offers several free payment options. You can set up automatic payments from your bank account (sometimes called autopay or automatic bank draft). This payment method has no fee and ensures your bill is paid on the same date each month.
You can also mail a check or money order to the address on your bill, or pay in person at an FPL payment center or authorized payment location. These methods are free but take longer to post — mailed checks typically take five to seven business days.
If you use a rewards credit card and earn cash back or points, the convenience fee might still be worth it depending on your rewards rate. A card that earns 2% cash back would offset a 2% convenience fee, for example. Calculate whether the rewards outweigh the fee before you decide.
What Happens After You Submit Your Payment
FPL will send you a confirmation email within a few minutes of your payment submission. This email includes your confirmation number, the amount paid, the fee charged, and the expected posting date. Keep this email for your records.
The payment will appear in your FPL account one to two business days after submission. Payments submitted on a weekend or holiday may take longer to post. If your payment does not appear within two business days, contact FPL at 1-800-226-3545 with your confirmation number.
Once the payment posts, it will reduce your account balance and may change your next due date. If you paid more than your current balance, FPL will credit the overpayment to your account and explore it to future bills.
Frequently Asked Questions
Can I pay my FPL bill with a credit card without paying a convenience fee?
No. FPL charges a convenience fee for all credit card payments, typically 2% to 3%. You can avoid the fee by paying through automatic bank draft, mailing a check, or paying in person at an FPL payment center.
How long does it take for my credit card payment to show up on my FPL account?
Credit card payments usually post within one to two business days. Payments submitted on weekends or holidays may take longer. You will receive a confirmation email when ready, but the payment will not reduce your balance until it posts to FPL's system.
What credit cards does FPL accept?
FPL accepts Visa, Mastercard, American Express, and Discover. You can use any of these cards online, by phone, or through the mobile app. Prepaid and gift cards may also work, but check with your card issuer first.
What should I do if my credit card payment fails?
If your payment is declined, FPL will tell you when ready. Common reasons include an incorrect card number, expired card, or insufficient funds. Verify your card details and try again, or use a different card. If the problem persists, contact your credit card company or call FPL at 1-800-226-3545.
Can I set up recurring credit card payments with FPL?
FPL does not offer recurring credit card payments because of the convenience fee. However, you can set up free automatic payments from your bank account, which will deduct your bill amount on the same date each month without any fee.