What MDC Bill Pay is and how to use it
MDC stands for Metropolitan District Commission, which supplies water and sewer service to parts of Connecticut. MDC Bill Pay is their online payment system — you can pay your water and sewer bill through their website without calling or mailing a check. You can also set up automatic payments so the bill comes out of your account on a date you choose.
To use MDC Bill Pay, you need your account number (on your bill), a bank account or debit card, and an email address. The system takes you through a few screens to enter your payment information, confirm the amount, and choose when the payment should process. Most payments go through within one to two business days.
If you do not want to pay online, MDC also accepts payments by phone, mail, and in person at their offices. The method you choose does not change your bill amount or due date — it only changes how and when you send the money.
Key Takeaways
- MDC Bill Pay lets you pay your water and sewer bill online using your bank account or debit card without creating a login account.
- You can set up a one-time payment or enroll in automatic payments that deduct the bill from your account each month.
- Online payments typically process within one to two business days, so plan ahead if your due date is soon.
- If you prefer not to pay online, you can mail a check, call MDC, or pay in person at one of their office locations.
- Paying your bill on time helps you avoid late fees and service interruption, regardless of which payment method you choose.
How to make a one-time payment through MDC Bill Pay
Go to the MDC website and look for the "Pay My Bill" or "Bill Pay" link on the homepage. Click it and you will land on a page that asks for your account number. Your account number appears on your bill — it is usually a string of numbers at the top or in the upper right corner. Enter it and click "Continue" or "Next".
The system will show you your account balance and the amount due. Review it to make sure it matches your bill. Then enter your payment amount — you can pay the full balance, a partial amount, or more than you owe (the extra will become a credit on your account). Choose the date you want the payment to process. If you choose a date within the next business day, the payment may not go through until the following day.
Next, enter your bank account or debit card information. MDC will ask for the account or card number, routing number (if paying from a bank account), and the name and address on the account. Double-check this information before you submit — mistakes can delay your payment. Click "Confirm" or "Submit Payment" and you will see a confirmation number. Write it down or take a screenshot. Your payment is now in the system.
Setting up automatic payments so you never miss a due date
Automatic payments remove the step of logging in each month. MDC will deduct your bill from your bank account or debit card on a date you set, usually a few days before the due date. This works well if your bill amount stays roughly the same each month and you want to set it and forget it.
To enroll, go to MDC Bill Pay and enter your account number. Instead of choosing "One-Time Payment," look for "Enroll in AutoPay" or "Automatic Payments." You will enter your bank account or debit card information the same way you would for a one-time payment. Then you will choose the date each month when you want the payment to come out — many people pick the 15th or the 25th so it lines up with their paycheck.
Once you enroll, MDC will send you a confirmation email. Keep that email. If you ever need to change the payment date, pause the payments, or cancel automatic payments, you can log back into MDC Bill Pay or call their customer service line. You can find the phone number on your bill or on the MDC website.
Paying by mail, phone, or in person
If you prefer not to pay online, MDC accepts checks and money orders by mail. Write your account number on the check or money order. Mail it to the address shown on your bill — do not send it to the MDC office address unless your bill specifically says to. Mail payments take longer to process than online payments, so send your check at least one week before the due date to make sure it arrives on time.
You can also call MDC's customer service line to pay by phone using a debit card or bank account. The phone number is on your bill. A representative will walk you through the payment and give you a confirmation number. There may be a small fee for paying by phone — ask before you provide your payment information.
Some MDC office locations accept in-person payments during business hours. Call ahead to confirm the location nearest you is open and accepts walk-in payments. Paying in person is the fastest way to ensure your payment is recorded the same day.
What to do if your payment does not go through
If you submitted a payment online and it did not process, check your confirmation number first. Log back into MDC Bill Pay and look for a record of the transaction. If you see it listed as "Pending," wait one more business day — it may still be processing. If it shows as "Failed" or "Declined," the system will usually tell you why: insufficient funds, incorrect account information, or an expired card.
If the payment failed because of incorrect information, you can submit it again with the correct details. If it failed because of insufficient funds, make sure you have enough money in your account and try again. If your debit card or bank account information has changed, update it before you resubmit.
If you are unsure whether a payment went through, call MDC customer service with your confirmation number. They can look up the transaction in their system and tell you its status. Do not assume a payment failed just because you do not see it on your account right away — online payments can take one to two business days to show up.
Late payments and what happens if you miss your due date
Your bill has a due date printed on it. If your payment does not arrive by that date, MDC will charge a late fee. The amount of the late fee varies — check your bill or call customer service to find out what it is. Late fees add to your balance, so your next bill will be higher.
If you are more than a few weeks late, MDC may send you a notice warning that service could be shut off if you do not pay. If you receive this notice, contact MDC right away — even if you cannot pay the full amount, you may be able to work out a payment plan. Paying something is better than ignoring the notice, because service interruption can happen without further warning.
If you are having trouble paying your bill, MDC may offer hardship programs or payment plans. Call their customer service line and ask what options are available. Be honest about your situation — the sooner you reach out, the more options you may have.
Frequently Asked Questions
Do I need to create a login account to pay my MDC bill online?
No. MDC Bill Pay does not require you to create an account or username. You enter your account number each time you pay, and the system shows your balance and lets you submit a payment. If you prefer to have a login account so you can see your payment history, you may be able to set one up through the MDC website — check their customer portal section.
Is there a fee to pay my bill online?
MDC does not charge a fee for online payments made through their official Bill Pay system. However, some third-party payment services may charge a fee if you use them instead. Stick with the MDC website to avoid extra charges.
How long does it take for an online payment to show up on my account?
Most online payments process within one to two business days. Payments submitted on a weekend or holiday may take longer. If your due date is within two days, consider paying by phone or in person to make sure it is recorded on time.
Can I change or cancel an automatic payment after I set it up?
Yes. Log back into MDC Bill Pay or call customer service to pause, change the payment date, or cancel automatic payments. If you cancel, you will need to go back to making one-time payments or choose a different payment method.
What should I do if I think I was charged twice for the same bill?
Call MDC customer service right away with your confirmation numbers and the dates you made the payments. They can look up both transactions and see if one was a duplicate. If it was, they can issue a credit to your account or refund the extra payment.