APS Arizona Bill Pay lets you pay your electric bill online, by phone, or through automatic payments from your bank account

APS (Arizona Public Service) is the largest electric utility in Arizona. Their bill pay system handles payments for residential and business customers across central and southern Arizona. You can pay a single bill when ready, set up recurring automatic payments, or pay multiple bills at once. The system accepts bank transfers, debit cards, and credit cards, though credit card payments carry a fee.

The main entry point is the APS website at aps.com. You log in with your account number and password, or you can create an online account if you do not have one yet. From there, the payment options are clearly marked. If you prefer not to use the website, APS also accepts payments by phone at 1-602-371-7171, through their mobile app, or by setting up autopay directly from your bank account.

Key Takeaways

  • APS bill pay is free when you pay from a bank account or through autopay, but costs 2.50 dollars or more if you use a debit or credit card.
  • You can pay when ready online or by phone, or schedule a payment for a future date up to 60 days out.
  • Autopay from your bank account removes the need to remember due dates and avoids card fees entirely.
  • APS processes bank transfers within one business day, so payments made after 5 p.m. Arizona time may not show until the next day.

Payment methods and their costs

APS offers four main ways to pay, and the cost depends on which one you choose. A bank account transfer (also called an ACH transfer) is free and takes one business day to process. This is the cheapest option if you have a checking or savings account. Autopay set up through your bank account is also free and happens automatically on the date you choose each month.

Debit cards and credit cards both carry a fee. As of 2024, APS charges 2.50 dollars for debit card payments and 2.95 dollars for credit card payments made online. Paying by phone with a card costs slightly more. If you pay in person at an APS office or through a third-party payment location, fees may differ. Check the current fee schedule on the APS website before you pay, since fees can change.

Setting up autopay through APS

Autopay is the most hands-off option. You log into your APS account online, go to the "Billing and Payments" section, and select "Autopay." You then enter your bank account number and routing number. APS will deduct the full bill amount on the due date each month, or you can choose a different date if you prefer.

You can change or cancel autopay at any time through your online account. If your bill amount varies significantly month to month (which is common in Arizona due to air conditioning use), you can still use autopay — it will charge whatever the current bill is on the date you set. Some customers prefer to set autopay for a fixed amount slightly less than their average bill, then pay the remainder manually when the bill arrives. This gives you more control if your usage spikes.

Paying from a bank account without autopay

If you want to pay each bill individually but avoid card fees, you can make a one-time bank transfer through the APS website. Log in, select "Make a Payment," choose "Bank Account," and enter your routing and account number. You can pay when ready or schedule the payment for up to 60 days in the future. APS processes the transfer within one business day of the payment date you choose.

One important detail: if you schedule a payment for a weekend or holiday, APS will process it on the next business day. So if you schedule a payment for Friday after 5 p.m. Arizona time, it may not clear until Monday. If your bill is due on a weekend, schedule your payment for the business day before to be safe.

Paying by phone or in person

You can call APS at 1-602-371-7171 to pay by phone. A representative will take your payment information and process it when ready. Phone payments accept debit cards, credit cards, and bank account transfers. The fees are the same as online — free for bank accounts, 2.50 dollars for debit, 2.95 dollars for credit cards.

APS also accepts in-person payments at their customer service offices in Phoenix, Tucson, and other locations. You can pay with cash, check, debit card, or credit card. Some third-party payment locations (like grocery stores or check-cashing services) also accept APS payments, though they may charge their own fees on top of APS's fee. Call ahead or check the APS website to find a location near you.

What happens if you miss a payment

If your bill is not paid by the due date, APS will typically send you a notice. You usually have a grace period of about 10 days before APS disconnects your service, though this varies depending on the season and your account history. During winter months, Arizona has stronger protections against disconnection, and APS may give you more time.

If you are having trouble paying your bill, contact APS directly before the due date. They offer payment plans for customers who cannot pay the full amount at once. You can also ask about bill information programs if you may have access to based on income. The sooner you reach out, the more options you have.

Using the APS mobile app

The APS mobile app (available on iOS and Android) lets you pay your bill from your phone. You log in with the same credentials as the website, and the payment options are the same — bank account, debit card, or credit card. You can also view your bill, check your usage, and set up autopay through the app.

The app shows your current balance, due date, and payment history. Some customers find it easier to remember to pay when they get a notification on their phone. You can also set up push notifications to remind you when a bill is due or when autopay processes a payment.

Frequently Asked Questions

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

Bank account transfers typically show within one business day. Card payments show when ready online but may take one to two business days to fully process. If you pay after 5 p.m. Arizona time, the processing may not start until the next business day.

Can I pay someone else's APS bill?

Yes, but you will need their account number. You can pay as a guest without logging into an account — just enter the account number and the amount you want to pay. The payment will be applied to that account.

What if I set up autopay but my bill is incorrect?

Contact APS before the autopay date to dispute the bill. If you have already been charged, you can request a credit or adjustment. APS will not automatically reverse an autopay payment, but they can issue a credit to your account if the bill was wrong.

Is there a way to avoid the credit card fee?

Yes — use autopay or a one-time bank account transfer instead. Both are free. If you want to use a credit card for rewards, you would pay the 2.95 dollar fee, so you would need to earn more than that in rewards to come out ahead.

Can I schedule a payment for the exact due date?

Yes, you can schedule a payment for any date up to 60 days in the future, including the due date. If the due date falls on a weekend or holiday, schedule it for the business day before to may support it processes on time.