Three ways to pay your NJ American Water bill
NJ American Water offers three main payment methods: online through their website, by phone, or by mail. The fastest and most convenient is online payment through their customer portal, where you can pay immediately and see your payment post within one business day. Phone payment takes a few minutes and works if you have your bill handy. Mail is the slowest option but requires no account setup.
Each method has different timing and fees. Online and phone payments are free. Mail payments take 7 to 10 business days to reach the company, so you need to send them well before your due date to avoid a late fee. Your bill shows the due date clearly — that is the deadline for payment to arrive, not the day you mail it.
Key Takeaways
- Online payment through the NJ American Water website is free and the fastest way to pay, with your payment posting within one business day.
- Phone payment at 1-800-537-1902 is also free and takes only a few minutes if you have your bill number ready.
- Mail payments must arrive by your due date, which typically means sending them 7 to 10 days before the deadline printed on your bill.
- Late fees apply if payment does not arrive by the due date, regardless of when you sent it.
- You can set up automatic payments online to avoid missing a due date entirely.
Paying online through your NJ American Water account
Go to njawwater.com and click the "Pay My Bill" button on the homepage. If you do not have an online account yet, you will need to create one using your account number (found on your bill) and your service address. The setup takes about five minutes and requires an email address.
Once logged in, you can pay immediately using a bank account (ACH transfer) or debit card. Bank account payments are free. Debit card payments carry a small fee — NJ American Water charges this fee to cover the cost of processing, not to profit from it. The exact fee appears on screen before you confirm payment, so you know the total before you commit.
Your payment posts within one business day. If you pay on a Friday evening, expect it to show as received by Monday. You will receive an email confirmation immediately after payment, and you can log back in anytime to see your payment history.
Paying by phone
Call NJ American Water's automated payment line at 1-800-537-1902. Have your bill number and bank account or debit card information ready. The system will walk you through the payment step by step and confirm your amount before charging you.
Phone payments are free and take only a few minutes. You will receive a confirmation number at the end of the call — write it down or take a screenshot. The payment posts within one business day, just like online payment.
If you prefer to speak with a representative instead of using the automated system, you can call during business hours (Monday through Friday, 7 a.m. to 7 p.m., Saturday 8 a.m. to 4 p.m. Eastern time). A representative can process your payment over the phone, though the wait time may be longer than the automated line.
Paying by mail
Write a check or money order payable to "NJ American Water Company" and include your account number on the check. Mail it to the address printed on your bill — this address is specific to your region and changes depending on which NJ American Water service area you are in.
Mail payments take 7 to 10 business days to arrive and be processed. Your due date is the deadline for the payment to arrive at NJ American Water, not the day you mail it. If your due date is the 15th and you mail a check on the 10th, it may not arrive in time. To be safe, mail payments at least 10 days before your due date.
Keep a copy of your cancelled check or money order receipt for your records. If you ever need to dispute whether a payment was received, this proof helps.
Setting up automatic payments to avoid late fees
The easiest way to never miss a due date is to set up automatic payments through your online account. Log in to njawwater.com, go to the "Billing" or "Payment" section, and select "Automatic Payment" or "Recurring Payment." You can choose to pay the full bill amount or a fixed amount each month.
Automatic payments withdraw from your bank account on a date you choose — typically a few days before your due date. You can change or cancel the automatic payment anytime through your account. If your bill amount changes significantly (for example, during winter when heating water use rises), you can adjust the payment amount or switch back to manual payment for that month.
Automatic payment is free and removes the risk of forgetting to pay. If you move or change bank accounts, update your information in your online account to keep the automatic payment working.
What to do if you cannot pay by your due date
Contact NJ American Water before your due date if you know you cannot pay on time. Call 1-800-537-1902 during business hours and ask about a payment extension or a payment plan. The company may be able to delay your due date by a week or two, or set up a plan where you pay part of the bill now and the rest later.
If you miss your due date, a late fee will be added to your next bill. The amount varies but is typically a percentage of your bill. If you are struggling to pay your water bill, NJ American Water also has a Customer Assistance Program for households with low income — contact them to learn whether you may be may be able to access for reduced rates.
Understanding your bill amount and due date
Your NJ American Water bill shows your usage, the charges for water and sewer service, and any taxes or fees. The due date is printed clearly on the front of the bill, usually 20 to 30 days from the bill date. If you pay online or by phone, you can pay anytime up to 11:59 p.m. on the due date. If you pay by mail, your payment must arrive by the due date.
Your bill also shows your account number in the top right corner — this is what you need to make a payment or log into your online account. Keep a copy of your bill for your records, especially if you are disputing a charge or need proof of payment for a security deposit or rental application.
Frequently Asked Questions
What happens if I pay after the due date?
A late fee is added to your next bill. The amount depends on your bill total but is typically 1.5% of the amount owed. If you are more than 30 days late, NJ American Water may shut off your water service. Contact them immediately if you are behind to discuss a payment plan.
Can I pay someone else's NJ American Water bill?
Yes, if you know their account number and service address. You can pay online, by phone, or by mail using that information. The payment will be credited to their account. If you are paying for a family member or tenant, make sure they know you are doing so to avoid confusion.
Is there a fee for paying online?
Bank account (ACH) payments are free. Debit card payments have a small fee shown before you confirm. Phone and mail payments are free. Online payment is the cheapest and fastest option if you have a bank account.
How do I know if my payment was received?
For online and phone payments, you get a confirmation number immediately. Log into your account the next business day to see the payment posted. For mail payments, wait 10 business days, then log in or call 1-800-537-1902 to confirm. Keep your cancelled check or money order receipt as proof.
Can I change my due date?
NJ American Water does not typically allow you to change your due date, but you can set up automatic payment for any day of the month that works for you. Contact customer service at 1-800-537-1902 to ask whether exceptions are available for your situation.