How to Pay Your APS Bill Online Using a Debit Card

Paying your monthly APS electric bill is now faster and easier than ever thanks to convenient online payment options. With over 1.3 million customers across Arizona, APS is the state’s largest electric utility provider. Read this guide to learn how you can pay your APS bill completely online using a debit card.

Getting Started with Online Bill Pay

First, you’ll need to set up an online APS account to access digital billing and payment features. Simply go to aps.com and click “Register” in the top right corner.

You’ll need your APS account number and an email address. After registering, sign in anytime using your email and password to manage payments

On your account dashboard you can view billing history, check usage, update payment methods, and more. APS offers various ways to pay online including debit card credit card, bank account, and digital wallets.

Pay Instantly with a Debit Card

One quick and easy way to pay your electric bill through the APS website is using a debit card. This allows you to securely enter your card details and pay instantly online.

On your account dashboard, choose the “Pay Now” option. Select debit card and enter your card number, expiration date, and billing ZIP code. Debit payments via Pay Now are processed immediately with no fee.

You can also pay by debit card using the APS mobile app (available for iOS and Android). The process is the same as entering your details online. The app also lets you check your balance, view past bills, and manage account alerts.

Paying with a debit card online is fast and simple. The money comes directly out of your checking account so there’s no need to wait for a statement in the mail. Payments post to your APS account right away.

Other Online Payment Methods

In addition to debit card payments, APS offers several other ways to pay your electric bill through their website or mobile app:

• Credit Card – Visa, MasterCard, American Express, and Discover are accepted. There is a $2.65 convenience fee per transaction.

• Bank Account – Link your checking or savings account to make free payments. You can set up automatic monthly deductions as well.

• Digital Wallets – PayPal, Venmo, Apple Pay, Google Pay, and Amazon Pay are options with a $2.65 fee per transaction.

• AutoPay – Set up recurring payments to be withdrawn automatically from your selected method each month.

• Paperless Billing – Go green by opting out of mailed paper bills and viewing statements online.

Let’s explore the key benefits and details of each online payment method offered by APS.

Pay by Credit Card for Rewards

If you have a rewards credit card, you may want to pay your electric bill with it to earn cash back, points, or miles. APS accepts Visa, Mastercard, American Express, and Discover credit cards.

To pay by credit card, choose the “Pay Now” option when signed into your online account. Enter your card number, expiration date, security code, and billing ZIP code.

Keep in mind there is a $2.65 convenience fee per transaction when using a credit card to pay your APS bill online. However, this could be worthwhile if your rewards outweigh the fee.

Credit card payments post to your APS account quickly, usually within an hour during business hours. You’ll also earn rewards on the fee amount itself.

Link a Bank Account for Fee-Free Payments

For fee-free online bill payment, link your checking or savings account to your APS online account. You can make one-time payments or set up recurring automatic deductions each month.

When paying from a bank account, you’ll need your account number and routing number. Confirm these before logging in to pay your electric bill. Bank account payments typically process within 1-2 business days.

I like using my linked checking account to pay my APS bill since there are no processing fees. The money comes straight out of my existing funds, so I don’t have to worry about additional charges appearing on a credit card statement later. It’s free, fast, and easy!

Use Digital Wallets for Payment Flexibility

APS also gives you the option to pay your electric bill using popular digital wallet services. These include:

• PayPal
• Venmo
• Apple Pay
• Google Pay
• Amazon Pay

To use a digital wallet, select the “Pay Now” button when signed into your APS account online. Choose your preferred digital wallet and follow the prompts to log in.

The process is quick and streamlined, especially if you already have one of these services set up. However, there is a $2.65 transaction fee when paying your APS bill via digital wallet, similar to credit card payments.

Digital wallets allow payment flexibility since you can connect multiple funding sources like debit cards, bank accounts, or existing digital wallet balances. It’s a handy option for managing all your bills in one place.

Sign Up for AutoPay to Set and Forget

For maximum convenience, APS customers can enroll in AutoPay to have payments automatically deducted each month. This eliminates the need to manually go online and submit payment every billing cycle.

To start, sign into your APS account and navigate to the AutoPay section under “Payment Options”. Choose your preferred payment method – bank account, credit/debit card, or digital wallet.

Your bill amount will be automatically paid on the due date from the selected source each month. You can cancel or temporarily stop AutoPay if needed. But it’s an easy “set it and forget it” way to stay on top of electric payments.

I love how AutoPay gives me peace of mind knowing my APS bill is handled. I receive email notifications when a payment is processed so I can still review my monthly charges. Overall, it saves time and hassle!

Go Paperless and Receive Email Notifications

Tired of paper clutter from mailed bills? APS allows you to go paperless and receive electronic billing statements instead.

On your online account, update your preferences to stop mailed paper bills and opt into paperless billing. You’ll get email notifications when your new statement is ready to view.

You can pull up PDFs of current and past billing statements directly through your APS online account anytime. It’s fast, convenient, and helps reduce your environmental impact. No more waiting for snail mail!

I highly recommend going paperless if you pay online. APS securely stores e-statements for quick access. You’ll save space and get reminded by email when your new bill is ready.

Pay in Person at Retail Locations

In addition to APS’s website and mobile app, you can make cash payments in person at a variety of retail locations near you. This includes:

• Grocery stores like Fry’s Food and Bashas’
• Convenience stores like Circle K and Chevron
• Retailers like Walmart, CVS, and Ace Hardware
• CheckFreePay kiosks and MoneyGram agents

There may be a small convenience fee when paying at a third-party location. Visit aps.com and click “In Person” for details on finding authorized payment centers based on your ZIP code.

Paying in cash at a nearby retail store is quick and easy. Just have your APS account number. In-person payments post instantly to your account, so it’s a reliable option if you’re nearing a due date.

Get Payment Assistance if Needed

If you are experiencing financial hardship, APS does offer bill assistance programs for qualifying customers. These can provide financial relief if you are struggling to pay your electric bill.

Some options include:

• Flexible payment arrangements
• Limited-income crisis bill assistance
• Medical care equipment bill discount
• Energy support funding

Visit aps.com and click on “Bill Assistance” to learn more about eligibility and applying for these APS assistance programs.

There is help available if you cannot pay your bill in full. Reach out to APS’s customer service team for personalized guidance based on your situation.

Key Takeaways for Paying Your Bill Online

• Sign up for an online APS account to access digital billing and payment
• Pay instantly by debit card online or through the APS mobile app
• Credit cards are accepted online for a $2.65 convenience fee
• Link a bank account to pay directly from your checking or savings at no charge
• Digital wallets like PayPal allow flexibility in how you pay
• AutoPay deducts your bill automatically each month for convenience
• Go paperless to receive email notifications and avoid clutter
• Retail locations allow cash payments in person with instant account posting
• Assistance programs are available if you are struggling to pay your bill

Paying your APS electric bill online is fast, easy, and secure. Next