APS bill pay online works through their website or mobile app, and you can set it up in minutes without calling customer service
Arizona Public Service (APS) lets you pay your bill through their website at aps.com or through their mobile app. You can make a one-time payment whenever you want, or set up automatic payments so the bill comes out on the same day each month. The process is straightforward: log in with your account number and password, enter your payment amount, choose your payment method, and confirm. There is no fee to pay online through APS directly.
You can also pay through third-party bill pay services if your bank offers bill pay, though those services may charge a fee depending on your bank. The fastest way to get your free guide is to go straight to aps.com and use their payment portal — it takes about five minutes the first time, and faster after that.
Key Takeaways
- APS online bill pay is free when you pay directly through aps.com or their mobile app, with no service charges added to your bill.
- You can make a one-time payment or set up automatic monthly payments, and you can change or cancel automatic payments anytime through your account.
- Payments made before 8 p.m. Arizona time on your due date are usually posted the same day; payments after that may post the next business day.
- You will need your APS account number and a valid payment method — debit card, credit card, or bank account — to pay online.
- If you pay by bank account transfer, APS does not charge a fee, but some banks may charge you for using their bill pay service.
Setting up your APS online account for the first time
Go to aps.com and click "Pay My Bill" or "Sign In" in the upper right corner. If you do not have an online account yet, select "Create Account" and enter your APS account number, service address, and the last four digits of the phone number on your account. APS will send you a verification code by email or text — enter that code to complete your registration.
Once your account is created, you can log in anytime with your email address and password. Save your login information somewhere you can find it, because you will use it every time you want to check your balance or make a payment. If you forget your password, the login page has a "Forgot Password" link that will walk you through resetting it.
Making a one-time payment online
Log in to your APS account and select "Pay My Bill." The page will show your current balance and due date. Enter the amount you want to pay — you can pay the full balance, the minimum amount due, or any amount in between. Then select your payment method: debit card, credit card, or bank account.
If you choose a bank account, you will need to enter your routing number and account number. APS uses this information only for that single payment unless you also set up automatic payments. After you enter your payment details, review the summary to make sure the amount and due date are correct, then click "Confirm Payment." You will see a confirmation number on the screen — write it down or take a screenshot for your records.
Payments submitted before 8 p.m. Arizona time on a business day are usually posted to your account the same day. If you pay after 8 p.m. or on a weekend, the payment will post the next business day. You can check the status of your payment by logging back into your account within a few hours.
Setting up automatic monthly payments
Automatic payments mean your bill comes out on the same day each month without you having to log in and pay manually. To set this up, log in to your account, go to "Pay My Bill," and look for "Autopay" or "Automatic Payments." Select the payment method you want to use — bank account, debit card, or credit card — and enter the details.
Then choose the day of the month you want the payment to come out. Most people pick a date a few days after they get paid, so the money is in their account. You can also choose to pay the full bill amount each month, or a fixed amount if you prefer. Once you confirm, the payment will start on the date you selected and repeat every month.
You can change or cancel automatic payments anytime by logging into your account and going to the autopay settings. If you cancel, make sure you know when your next bill is due so you do not miss a payment deadline. If you change your payment method — for example, if your debit card expires — update it in your account settings so the automatic payment does not fail.
Payment methods and fees
APS does not charge a fee when you pay online through their website or app using a debit card, credit card, or bank account. The payment goes straight to APS with no middleman, so there is nothing added to your bill.
If you pay through your bank's bill pay service instead of APS's website, your bank may charge you a fee — this depends on your bank and your account type. Some banks include bill pay for free with checking accounts, while others charge a small fee per payment. Check with your bank before you use their bill pay service if you are not sure.
Credit card payments made through APS do not trigger a cash advance fee the way some credit card transactions do, because APS treats them as regular purchases. However, your credit card company may charge interest on the balance if you do not pay it off in full, just like any other purchase.
What to do if your online payment fails
If your payment is declined, you will see an error message on the screen right away. The most common reasons are: the card or bank account information is wrong, the card has expired, there is not enough money in the account, or the card issuer blocked the transaction for security reasons.
Try the payment again with the correct information. If it fails a second time, call your bank or credit card company to ask why the transaction was blocked — they may have flagged it as suspicious activity. Once you clear it with them, try paying again through APS.
If you are close to your due date and the payment keeps failing, call APS customer service at 602-371-7171 to let them know you are having trouble. They can sometimes extend your due date by a few days while you sort out the payment issue. Do not wait until after the due date to call — the sooner you contact them, the more options you have.
Paying your APS bill by phone or mail if you cannot pay online
If you do not have internet access or prefer not to pay online, you can pay by phone by calling 602-371-7171. A customer service representative will take your payment information over the phone. There is no fee for this, but it takes longer than paying online because you have to wait on hold.
You can also mail a check to the address on your bill. Write your account number on the check and mail it to the address listed under "Payment Mailing Address" on your statement. Mail payments take 7 to 10 days to arrive and be posted, so send it at least two weeks before your due date to make sure it arrives on time.
Some APS payment centers also accept in-person payments during business hours. Check aps.com for the location nearest you if you want to pay in person with cash or a check.
Frequently Asked Questions
Can I pay my APS bill with a credit card online without a fee?
Yes. APS does not charge a fee when you use a credit card to pay through their website or app. Your credit card company will not charge a cash advance fee either — it counts as a regular purchase. However, if you carry a balance on the card, you will owe interest on that balance just like any other purchase.
What time does APS post online payments?
Payments submitted before 8 p.m. Arizona time on a business day are posted the same day. Payments submitted after 8 p.m. or on weekends post the next business day. You can check your account a few hours after you submit payment to see if it has posted.
Can I change the date my automatic payment comes out?
Yes. Log into your APS account, go to your autopay settings, and select a new payment date. The change takes effect on your next scheduled payment. If you need to change it before your next payment is about to come out, make the change as soon as possible.
What happens if I set up automatic payments and then want to stop them?
You can cancel automatic payments anytime by logging into your account and turning off autopay in your settings. The cancellation takes effect immediately, so no future payments will be charged. Make sure you know when your next bill is due so you can pay manually if you cancel.
Is it safe to enter my bank account number on the APS website?
APS uses encryption to protect your bank account information, so it is as safe as entering it anywhere else online. If you are uncomfortable entering your bank details, you can use a debit card instead — the payment works the same way and APS does not charge a fee either way.