MSD bill pay lets you settle your water and sewer charges through the Metropolitan St. Louis Sewer District's website, by phone, or through the mail

The Metropolitan St. Louis Sewer District (MSD) serves the St. Louis area with water and sewer services. You can pay your bill in several ways: online through their website, by automatic bank draft, by phone, by mail, or in person at an MSD office. Most people find online payment fastest because it posts within one business day and you can see your payment status immediately.

Your MSD bill arrives monthly and shows your water usage, sewer charges, and any stormwater fees. The bill also lists the due date — typically 20 days after the bill date. Paying by the due date keeps you current and avoids late fees. If you miss the due date, MSD adds a 10% late charge to your next bill.

Key Takeaways

  • You can pay MSD bills online at stlmsd.org, by phone at 314-633-3000, or by mailing a check to the address on your bill.
  • Online payments post within one business day and cost nothing; automatic bank draft is free and ensures you never miss a due date.
  • Late payments trigger a 10% late charge added to your next bill, so marking your due date in a calendar prevents accidental delays.
  • If you cannot pay your full bill by the due date, contact MSD before the deadline to discuss a payment plan or hardship options.

Paying online through the MSD website

Go to stlmsd.org and look for the "Pay Your Bill" or "Online Bill Pay" link on the homepage. You will need your account number, which appears on your paper bill or in any email MSD sends you. Enter your account number and the amount you want to pay.

The website accepts payment by debit card, credit card, or bank account transfer. Credit and debit card payments charge a convenience fee (the amount varies but is typically 2% to 3% of your payment). Bank account transfers are free. Choose the payment method that costs you least, then confirm the payment date. Online payments post within one business day.

Setting up automatic payments to avoid missed due dates

Automatic bank draft is the simplest way to stay current. MSD withdraws your payment directly from your checking or savings account on a date you choose — usually a few days before the due date. This method is free and removes the risk of forgetting to pay.

To set up automatic payments, log into your account on stlmsd.org, go to the payment section, and select "Automatic Bank Draft." You will need your routing number and account number from a blank check or your bank's website. Once enrolled, MSD will deduct your bill amount each month. You can change the payment date or cancel the draft at any time through your online account.

Paying by phone or mail

To pay by phone, call MSD's customer service at 314-633-3000 during business hours. Have your account number and a debit or credit card ready. Phone payments post within one to two business days. Credit and debit card payments over the phone may carry a convenience fee.

To pay by mail, write a check or money order payable to "MSD" and include your account number on the check. Mail it to the address printed on your bill. Mail payments take 5 to 10 business days to post, so send your payment at least two weeks before the due date to ensure it arrives on time. Keep a copy of your check or money order for your records.

What to do if you cannot pay by the due date

If you know you cannot pay your full bill by the due date, contact MSD before the deadline. Call 314-633-3000 and explain your situation. MSD may offer a payment plan that spreads your balance over several months, which avoids the 10% late charge and keeps your service active.

MSD also has hardship programs for customers facing financial difficulty. These programs may reduce your bill or extend your payment deadline. The sooner you contact MSD, the more options you have. Waiting until after the due date passes limits what MSD can do for you.

Understanding your MSD bill and avoiding common payment mistakes

Your MSD bill shows your account number at the top, your water usage in gallons, the charges for water and sewer service, and the due date. Some bills also include stormwater fees if your property drains into MSD's system. Read the bill carefully to spot any charges that seem wrong — for example, a sudden spike in water usage that does not match your household habits.

A common mistake is paying the wrong account number. If you have multiple properties or recently moved, make sure you are paying the account that matches your current address. Another mistake is mailing a check without including your account number — MSD may not know which account to credit, and your payment could be delayed. Always write your account number on the check itself, not just on the envelope.

Frequently Asked Questions

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

No. Credit card payments through stlmsd.org charge a convenience fee of roughly 2% to 3% of the payment amount. Bank account transfers are free. If you want to avoid fees, use automatic bank draft or pay by check through the mail.

What happens if my payment is late?

MSD adds a 10% late charge to your next bill. If you are more than 30 days late, MSD may send a notice warning that service could be disconnected. Contact MSD immediately if you fall behind — they can discuss a payment plan before your service is at risk.

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

Online payments post within one business day. Mail payments take 5 to 10 business days. If you pay by phone, your payment posts within one to two business days. Always allow extra time if you are paying close to the due date.

Can I change my automatic bank draft date?

Yes. Log into your account on stlmsd.org, find the automatic payment section, and update the date. Changes usually take effect within one or two billing cycles. You can also cancel automatic draft at any time through your online account.

What if I think my MSD bill is wrong?

Contact MSD at 314-633-3000 to report the error. Have your bill in front of you and be ready to describe what seems incorrect — for example, a spike in water usage or a charge you do not recognize. MSD will investigate and adjust your bill if an error is found.