You can pay FPL (Florida Power & Light) with a credit card through their website, phone line, or in person, but the method you choose affects whether you pay a fee
FPL accepts credit cards for bill payment, but not all payment methods are free. Paying online through FPL's website or their mobile app costs nothing. Paying by phone or in person at a payment center also has no fee. However, if you use a third-party payment processor — a service that is not run by FPL directly — you will pay a convenience fee, usually between 2% and 3% of your bill amount.
The key is knowing which payment channel you are using. FPL's own channels (website, app, phone number 1-800-226-3545, and their physical offices) charge no fee. Any other service that accepts FPL payments is a third party and will charge you.
Key Takeaways
- FPL's official website, mobile app, and phone line (1-800-226-3545) accept credit cards with no fee.
- Third-party payment processors charge a convenience fee of roughly 2% to 3% of your bill, which adds up over time.
- You can also pay in person at an FPL office or authorized payment center without a fee.
- Setting up automatic payments from a bank account (not a credit card) is free and removes the need to remember to pay each month.
Paying through FPL's official website or app
The simplest and cheapest way to pay with a credit card is through FPL's own website at fpl.com or their mobile app. Log in with your account number and password, navigate to the payment section, and enter your credit card details. The payment posts when ready, and you receive a confirmation number.
This method is free regardless of which credit card you use. There is no convenience fee, no processing charge, and no hidden cost. If you want to set up a one-time payment or schedule recurring payments, both options are available through the same portal.
Paying by phone with FPL customer service
You can call FPL's automated payment line at 1-800-226-3545 and pay with a credit card over the phone. Have your account number and credit card ready. The system will walk you through the payment amount and confirm the transaction. This method is also free.
If you prefer to speak with a representative, you can call the same number and ask to be transferred to a billing agent. They can process your credit card payment while you are on the line. Wait times vary depending on call volume, but this option exists if you have questions about your bill or account before paying.
In-person payment at FPL offices and authorized locations
FPL operates payment centers in Florida where you can pay in person with a credit card. You can find the nearest location by visiting fpl.com and searching for "payment centers" or by calling 1-800-226-3545. Some authorized retailers and grocery stores also accept FPL payments, though not all accept credit cards — call ahead to confirm.
In-person payments are processed when ready, and you receive a receipt. This option is useful if you prefer a face-to-face transaction or need to discuss your account with someone in person.
Why third-party payment services charge fees
Services like PayPal, Venmo, or other bill-pay platforms may show FPL as a payee, but they are not FPL's official payment channels. When you pay through a third party, that service charges you a convenience fee — typically 2% to 3% of your bill amount — because they are acting as an intermediary between you and FPL.
On a $150 bill, a 3% fee costs you $4.50. Over a year, that is $54 in fees for the same service you can get free through FPL directly. The fee is disclosed before you confirm payment, but it is straightforward to miss if you are paying quickly.
Using a bank account instead of a credit card
If you want to avoid credit card fees altogether and do not need the rewards or fraud protection of a credit card, FPL also accepts direct payments from a checking or savings account. Set up automatic payments through fpl.com, and the bill is paid on a date you choose each month. This method is free and removes the need to remember to pay.
Automatic payments from a bank account are useful if you want a "set it and forget it" approach. You can change the payment date or amount at any time through your FPL account, and you can pause or cancel the arrangement without penalty.
Credit card rewards and cash back considerations
Some credit cards offer cash back or rewards points on utility payments. If your card does, paying FPL with a credit card through FPL's free channels lets you earn that reward without paying a convenience fee. For example, if your card gives 2% cash back on all purchases and you pay a $150 bill, you earn $3 in cash back at no cost.
However, if you are considering a third-party payment service to earn rewards, calculate whether the reward is worth the convenience fee. A 2% cash back reward is negated by a 2% convenience fee, leaving you even. A 3% convenience fee means you lose money on the transaction.
Frequently Asked Questions
Does FPL charge a fee if I pay with a credit card on their website?
No. FPL's website and mobile app charge no fee for credit card payments. The fee only applies if you use a third-party payment processor, not FPL's own channels.
What is the difference between paying through FPL's website and using a third-party bill-pay service?
FPL's website is free. Third-party services (PayPal, Venmo, other bill-pay apps) charge a convenience fee of 2% to 3% because they are not FPL's official payment channel. Always pay through fpl.com or call 1-800-226-3545 to avoid the fee.
Can I set up automatic credit card payments with FPL?
Yes, through FPL's website or app. However, FPL recommends automatic payments from a bank account instead, which is also free and more find. You can set up automatic credit card payments, but you will need to update your card information if it expires or changes.
What happens if my credit card payment fails?
FPL will notify you that the payment was declined. You can try again when ready with the same card or a different one through fpl.com or by calling 1-800-226-3545. If payment fails multiple times, contact FPL to discuss payment options or a payment plan.
Is it safe to pay FPL with a credit card online?
FPL's website uses encryption to protect your payment information. Your credit card details are not stored on FPL's servers unless you choose to save the card for future payments. If you are concerned about security, you can call 1-800-226-3545 instead and provide your card information over the phone to a representative.