Where to pay your APS bill

Arizona Public Service (APS) gives you four main ways to pay: online through your account, by phone, by mail, or in person at a payment location. The fastest and most convenient is usually online — you can pay any time without waiting for business hours, and the payment posts within one business day.

To pay online, log into your APS account at aps.com, click "Pay My Bill," and enter your payment amount and method. You can use a bank account (no fee) or a credit or debit card (APS charges a processing fee, typically around 2.5 percent). If you do not have an online account yet, you can create one with your account number and service address.

If you prefer not to use a computer or smartphone, you can call APS at 1-602-371-7171 to pay by phone with a bank account or card. Payment by phone also takes one business day to post. By mail, send a check or money order to the address on your bill — allow 7 to 10 days for the payment to reach APS and post to your account.

Key Takeaways

  • Online payment through aps.com is free if you pay from a bank account and posts within one business day.
  • Paying by debit or credit card online or by phone incurs a processing fee of roughly 2.5 percent of your payment amount.
  • Mail payments take 7 to 10 days to arrive and post, so send them at least two weeks before your due date to avoid a late fee.
  • APS has payment locations throughout Arizona where you can pay in person with cash, check, or card during business hours.

Finding an APS payment location near you

APS operates payment centers and authorized payment locations across Arizona. You can find the nearest one by visiting aps.com, clicking "Pay My Bill," and selecting "Payment Locations," or by calling 1-602-371-7171. Payment centers are usually open Monday through Friday during standard business hours, though some locations have extended hours.

Authorized payment locations — often grocery stores, pharmacies, or utility payment centers — may have different hours than APS payment centers. When you visit in person, bring your account number (found on your bill) and your payment in the form of cash, check, or card. In-person payments typically post to your account within one business day.

Setting up automatic payments

If you want to stop thinking about your bill each month, APS lets you set up automatic payments from a bank account at no charge. You choose the payment date and amount, and APS withdraws the money automatically on that day each month. This is the safest way to avoid late fees because the payment happens whether you remember it or not.

To set up autopay, log into your APS account online, go to "Billing & Payment," and select "Enroll in Autopay." You will need your bank account number and routing number. You can change or cancel autopay at any time through your account, and you will receive an email confirmation each time a payment is processed.

What to do if you cannot pay on time

If you know you cannot pay by your due date, contact APS before the bill is late. Call 1-602-371-7171 and ask about a payment arrangement — APS may be able to extend your due date or set up a plan where you pay part of the bill now and the rest later. The sooner you call, the more options you typically have.

APS also offers bill payment assistance programs for customers with low income or those facing hardship. The Community Services Department can tell you whether you may be may be able to access for help. If your service has been disconnected, you can request reconnection by paying the past-due amount plus any reconnection fee.

Understanding your bill due date and late fees

Your APS bill shows a due date, usually 15 to 20 days after the bill is mailed. If you pay after that date, APS charges a late fee — typically 1.5 percent of the unpaid balance. The late fee is added to your next bill, so it grows if you do not pay the following month.

If your payment is more than 30 days late, APS may send a disconnection notice. This notice gives you a window (usually 10 days) to pay the past-due amount before your service is shut off. Reconnection requires payment of the past-due balance plus a reconnection fee, which varies but is typically $50 to $100.

Paying a bill for a different account or property

If you manage bills for multiple APS accounts — perhaps a rental property or a family member's home — you can pay each account separately online or by phone. When you log into your APS account, you can add other accounts to your profile so you can view and pay them all in one place. You will need the account number for each property.

If you are paying someone else's bill by mail or in person, include their account number on the check or tell the payment location representative which account the payment is for. Without the account number, the payment may be delayed or applied to the wrong account.

Frequently Asked Questions

Is there a fee to pay my APS bill online with a bank account?

No. APS does not charge a fee when you pay from a bank account through their website or by phone. Credit and debit card payments do incur a processing fee of roughly 2.5 percent, which APS adds to your payment amount.

How long does it take for my payment to show up on my account?

Online and phone payments typically post within one business day. Mail payments take 7 to 10 days to arrive at APS, plus one business day to post after they arrive. In-person payments at APS locations or authorized payment centers usually post within one business day.

Can I pay my APS bill with a credit card without a fee?

No. APS charges a processing fee for credit and debit card payments, whether you pay online, by phone, or in person. The fee is roughly 2.5 percent of your payment. Paying from a bank account has no fee.

What happens if I miss my due date?

APS charges a late fee of about 1.5 percent of the unpaid balance. If your payment is more than 30 days late, you will receive a disconnection notice. You then have roughly 10 days to pay the past-due amount before your service is shut off. Reconnection requires the past-due balance plus a reconnection fee.

Can I set up a payment plan if I cannot pay my full bill?

Yes. Call APS at 1-602-371-7171 before your bill is due and ask about a payment arrangement. APS may extend your due date or let you split the payment across two or more months. The sooner you call, the more options are usually available.