How to Pay Your APS Bill with a Credit Card Online or In-Person

Paying your monthly APS energy bill with a credit card is a convenient option offered to customers. This comprehensive guide covers how to pay by credit card through the APS website phone mail, or in-person. We’ll also discuss fees, security, timing, alerts, and other key details to know.

Overview of Paying APS Bills with a Credit Card

APS provides multiple ways for residential customers to pay their electric bills using a credit or debit card. While online payments through the APS website is easiest, you can also pay by card over the phone, by mail, at walk-in payment kiosks, or at select retail stores.

When paying by card, a small convenience fee applies per transaction. However, the fee may be worth it for the quick processing time, payment tracking, and not needing to write checks. Read on for more specifics on using your credit card to pay APS bills.

Paying Your APS Bill Online by Credit Card

The fastest and most convenient way to pay your APS energy bill with a credit or debit card is through the online account portal

  1. Visit and click on “Sign In”

  2. Login to your account dashboard

  3. Select “Make a Payment”

  4. Choose credit/debit card and enter your card details

  5. Verify payment amount and submit

Once submitted, the credit card payment will process instantly. You’ll receive a confirmation email with details of the transaction. Payments post to your account within 1-2 business days.

Online Credit Card Payment Tips

  • Have your credit card handy before starting payment

  • Double check account number, address, and amount

  • Save your card to expedite future online payments

  • Expect a $2.65 convenience fee per transaction

  • Opt for text or email alerts to get payment confirmations

Paying by credit card online takes just minutes and gives instant payment peace of mind.

Paying APS Bills by Credit Card Over the Phone

Customers of APS can also pay by credit or debit card over the phone if they’d rather talk to a real person:

  • Call 602-371-7171 or 1-800-253-9405

  • When prompted, select the “Pay By Phone” option

  • Enter your 10-digit APS account number

  • Use automated system to enter your card details

  • Confirm payment amount before submitting

This automated phone payment system is available 24/7. Expect a $2.65 card payment fee.

Paying APS Bills by Credit Card Through the Mail

To submit credit card payments by mail, follow these steps:

  • Locate your monthly APS bill and detach payment stub

  • Fill in payment amount, credit card details, and signature

  • Enclose payment stub and mail to:

P.O. Box 2906
Phoenix, AZ 85062-2906

Note that mail payments take longer to process, up to 5 business days. The $2.65 convenience fee still applies.

Paying in Person with Credit Card at APS Kiosks

For in-person credit card payments, head to one of the 75+ APS bill payment kiosks located inside retail stores across Arizona.

  • Bring your printed APS bill or have your account number

  • Select the “Pay with Card” option on the kiosk

  • Enter your card details and payment amount

  • Take the printed receipt as confirmation

Cash payments are also accepted at kiosks. Expect a $2.95 card payment convenience fee.

Paying at Retail Locations with Credit Card

Lastly, you can pay your APS bill at local retail stores and pharmacies like Walmart, CVS, Fry’s Food, and more. Ask the cashier to process an APS bill payment and provide:

  • Your 10-digit APS account number

  • Driver’s license for ID verification

  • Credit/debit card for payment

This in-person method is fast and easy but does have a card transaction fee around $3.

Credit Card Payment Convenience Fees

When paying your APS energy bill by credit card, either online, phone, mail or in person, expect convenience fees between $2-3 per transaction. Fees vary slightly by location.

These card payment fees go to third-party payment processors, not APS. Debit cards also incur the convenience fees when processed as credit.

However, paying by credit card still offers speed and reliability that makes it a top choice for many APS customers.

Payment Security When Paying by Credit Card

Rest assured that paying your APS bill by credit card is safe and secure. All payment channels use encryption technology to protect your financial data. This includes online payments, phone payments, and in-person kiosks.

Never provide full credit card information to a suspicious caller claiming to be from APS. Only use APS’ official pay-by-phone line or website.

Timing of Credit Card Payments Posting to Your Account

Here is when different credit card payment options typically post to your APS account:

  • Online – 1-2 business days

  • Phone – 1-2 business days

  • Mail – Up to 5 business days

  • In-person – Same day

Paying online, by phone, or in-person at kiosks provides the fastest processing times. But all methods will ensure your account gets credited before your next billing cycle.

Setting Up Alerts for Credit Card Payments

To stay on top of your credit card payments, APS customers can enable billing and payment alerts:

  • Get emails/texts when your monthly bill is ready

  • Receive reminders before your due date

  • Confirm when your payment is processed

Login to your APS account and under “Alerts” select your preferences for payment notifications.

Avoiding Late Fees with Credit Card Payments

One major benefit of paying by credit card is avoiding late fees from delayed payments. Since credit card payments process so quickly, you can pay even a day before the due date and be confident the payment will apply on time.

Just schedule card payments 1-2 days early to allow for processing time. Online and phone payments are fastest, but mail and in-person work too. Late fees are $8 for residential customers.

Budgeting for Credit Card Convenience Fees

When planning your monthly budget, keep in mind the small convenience fees that apply to APS credit card payments. The $2-3 transaction fees are affordable but do add up.

Compare costs for different payment methods like your bank account (no fee) and weigh options. But for many, the card fees are worthwhile for simpler bill payment management.

Other Ways to Pay Your APS Energy Bill

Although credit cards offer many perks, also consider these alternative bill payment methods:

  • Bank account – Free and fast when paying online or via phone

  • Cash – Pay at walk-in kiosks and select retailers with no fee

  • Money order – Mail with your payment stub to avoid card fees

  • AutoPay – Set automated monthly payments from your bank account or credit card

Evaluate all payment types based on convenience, timing, reliability, and budget factors. Mix and match options for flexibility!

FAQs About Paying APS Bills with Credit Card

Here are answers to some frequently asked questions about using credit cards to pay APS energy bills:

What cards can I use?
Visa, Mastercard, American Express, and Discover credit and debit cards are accepted.

Is a debit card the same?
Yes, debit cards incur the convenience fees when processed as credit transactions.

Can I dispute the fees?
No, the third-party fees are mandatory for card payments.

When will late fees apply?
If payment is received after the due date, up to $8 late fee assessed.

Is there a card payment limit?
No, you can pay any bill amount by card as long as limits allow.

Can I call to update my card?
Yes, contact APS at 602-371-7171 to update card details for future payments.

Convenience and Reliability with Credit Card Payments

Paying your monthly APS energy bill with a credit card provides a fast, easy, and dependable payment option. While small convenience fees apply, the benefits often outweigh the costs when leveraging the speed, tracking, and digital access of card payments. Consider adding this payment method to your bill management strategy!

Aps Bill Pay Credit Card

Pay with a phone call Call us at 602-371-6555 (866-776-044

You can make a payment using a checking or savings account for free. If you’d like to use a credit or debit card, PayPal, Venmo or Amazon Pay, there is a $2.65 convenience fee*. All payments post immediately, and you can save your payment information for future transactions.

*fee applies to every $750 towards a residential account or $5,000 towards a business account

Pay with bank account

Enroll in AutoPay and each month, your payment will be automatically withdrawn from the payment method of your choice on your due date. Now we’ve added a credit or debit card payment option in addition to using your bank account. There is no fee for bank account. A convenience fee of $2.65 per transaction applies for credit/debit card.

Credit Card Payments using APS and Acumatica

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