Con Edison payment methods and where to send money

Con Edison (the utility serving New York City and Westchester County) accepts payments through their website, by phone, by mail, and in person at payment centers. The fastest route is online at conedison.com — you can pay when ready with a bank account or debit card, and the payment posts the same day if submitted before 8 p.m. Eastern time. Phone payments go through the same day but cost $3.95 per transaction. Mail and in-person payments take longer to process and should be sent or delivered well before your due date to avoid late fees.

Your bill shows a due date, not a grace period. Con Edison charges a late fee if payment arrives after that date, even by one day. If you are paying by mail, account for postal delivery time — typically 3 to 5 business days depending on where you live. If you are cutting it close, use online or phone payment instead.

Key Takeaways

  • Online payment at conedison.com is free and posts the same day if submitted before 8 p.m. Eastern time.
  • Phone payments ($3.95 fee) also post the same day but require you to have your account number and payment amount ready.
  • Mail payments take 3 to 5 business days to arrive and should be sent at least a week before your due date to avoid late fees.
  • In-person payment centers exist in Manhattan, the Bronx, and Westchester, but online or phone payment is faster for most people.
  • Late fees explore the day after your due date, so confirm your payment posted before that date if you paid close to the important date.

Paying online or by phone

To pay online, go to conedison.com and select "Pay My Bill" from the homepage. You will need your account number (found on your bill) and either a bank account for ACH transfer or a debit card. ACH transfers are free and typically post within one business day. Debit card payments are also free online, though some third-party payment processors may charge a fee — Con Edison's own site does not. If you pay before 8 p.m. Eastern time on a business day, the payment posts that same day.

Phone payments go through Con Edison's automated system at 1-800-752-6633. Have your account number, the amount you want to pay, and a debit card ready. The $3.95 fee is charged to your account. Payments made before 8 p.m. Eastern time on a business day post the same day. Weekend and holiday payments post the next business day. You will receive a confirmation number — write it down in case you need to dispute the payment later.

Paying by mail

Con Edison's mailing address for payments is on your bill — it typically directs payments to a lockbox address in New York. Write your account number on the check or money order. Mail should be sent at least 7 to 10 days before your due date to account for postal delivery. Con Edison processes mailed payments within 2 to 3 business days of receipt, so a payment that arrives on day 5 after mailing may not post until day 8 or 9 — after your due date.

If you are paying by mail and your due date is approaching, do not rely on the mail. Use online or phone payment instead. Late fees are not waived because your check was in transit. If you must mail a payment, send it certified mail with return receipt so you have proof of when it was delivered.

In-person payment centers

Con Edison operates payment centers in Manhattan, the Bronx, and Westchester County. Hours and locations change, so check conedison.com for the current list before you go. In-person payments are processed when ready, and you receive a receipt on the spot. However, the payment may take 1 to 2 business days to post to your account, so you will not see it reflected online right away. Bring your account number and either cash, a check, or a debit card.

Payment centers are most useful if you are already in the area or prefer to pay in person. For most people, online or phone payment is faster and does not require a trip. If you do pay in person, keep your receipt until the payment shows on your online account.

What happens if you miss the due date

Con Edison charges a late fee if payment is not received by the due date shown on your bill. The fee is typically 1.5% of your bill amount, with a minimum of $5. The late fee is added to your next bill. If you miss a payment and receive a notice, you can still pay online, by phone, or by mail — the late fee will remain, but paying when ready stops additional charges from accruing.

If you fall behind on multiple bills, Con Edison may shut off service. The company is required to send a notice before disconnection, usually giving you 10 to 15 days to pay or contact them about a payment plan. If you cannot pay in full, call 1-800-752-6633 to discuss a payment arrangement before service is cut.

Setting up automatic payments

Con Edison allows you to set up automatic monthly payments through their website. You can choose to pay the full bill amount or a fixed amount each month. Automatic payments are deducted from your bank account on a date you select, typically around your due date. This prevents missed payments and late fees, though you should still check your bill each month to make sure the amount is correct — if your usage changes significantly, the automatic payment may not cover the full bill.

To set up automatic payments, log into your Con Edison account online and look for the "Autopay" or "Automatic Payment" option. You will need your bank account number and routing number. You can cancel automatic payments at any time through the same menu. If you set up autopay but your bill amount varies month to month, review it before the payment date to avoid overpaying or underpaying.

Frequently Asked Questions

Does Con Edison charge a fee for online payments?

No. Online payments through conedison.com are free whether you pay by bank account or debit card. Some third-party payment processors may charge a fee, but Con Edison's official website does not.

What time do online payments post?

Online payments submitted before 8 p.m. Eastern time on a business day post the same day. Payments submitted after 8 p.m. or on weekends and holidays post the next business day. Check your account online to confirm the payment has posted before your due date.

Can I pay someone else's Con Edison bill?

Yes. You can pay online or by phone using the account number on their bill. You do not need to be the account holder. If paying by mail, include the account number on the check so the payment is credited to the correct account.

What if I pay online but the payment doesn't post by my due date?

If you paid before 8 p.m. Eastern time on a business day and the payment did not post by the due date, contact Con Edison at 1-800-752-6633 with your confirmation number. The company may waive the late fee if the delay was on their end, though this is not may provide. Always keep your payment confirmation for this reason.

Can I set up a payment plan if I can't pay my full bill?

Yes. Call Con Edison at 1-800-752-6633 to discuss a payment arrangement. The company works with customers who are behind on payments to set up a schedule. You must contact them before service is shut off — waiting until after disconnection makes the process harder.