Pay with Credit Card, Debit Card or Electronic Check with Western Union Speedpay®
Make an immediate payment by credit card, debit card or electronic check using Western Union Speedpay®. There is a convenience fee of $1.50 for residential and $12.95 for non-residential accounts per payment. No part of this fee goes to Duke Energy.
Multiple payments may be made toward any one account, however, there is a limit of five total payments toward any one Duke Energy account every 30 days when using Western Union Speedpay. Additionally, there is a limit of $10,000 per transaction when paying through Western Union Speedpay. Please keep these limitations in mind when planning your payments.
- It is safe. You give out no more information than you do every time you use a regular paper check or order something with a credit or debit card.
- Service is available 24 hours a day.
- It offers flexibility. You may pay by credit card, debit card or electronic check.
- Speedpay payments are applied to your Duke Energy account immediately.
How to Get Started
- Have your Duke Energy 10-digit account number ready. If you don't have your account number and you are registered in Online Services, log in click on Pay Bill, then choose the Western Union Speedpay option.
- To pay by check, provide your checking account number and bank routing number.
- To pay by credit/debit card, provide your credit/debit account number and expiration date.
Pay by phone:
Frequently Asked Questions
Is there a fee to use Pay by Credit Card, Debit Card or Electronic Check option?
Yes. Duke Energy has partnered with Western Union Speedpay® to provide you with the option of using your credit card, debit card or electronic check to make payments. There is a convenience fee of $1.50 for residential and $12.95 fo non-residential account payments to cover processing costs associated with handling credit card and electronic debit payments. Other companies are able to add the processing costs of these requests to the overall pricing of their products and services. Because Duke Energy is a regulated utility, we are unable to do that. Only customers who choose to use this service will be charged the convenience fee.
This fee will be displayed as a separate line item on your credit card or checking account statement. There is a maximum payment amount per transaction of $1,000 for residential and $10,000 for non-residential accounts.
Is this service secure?
Yes. For security and privacy of transactions, Speedpay uses 128-bit encryption, which is the safest encryption technology available today.
Why do I have to enter my ZIP code?
We use your ZIP code for security purposes to help verify your identity and to ensure that the appropriate account is accessed.
Will my current account information be displayed when I use the Pay With Credit Card, Debit card or Electronic Check option to pay my bill?
Yes. The system will provide your current account information and display the amount due and the past due date.
If I have received a disconnect notice and use this system to pay my bill, will my payment be applied to my account immediately?
Yes. All payments are applied immediately and will stop orders to disconnect your service.
If I was disconnected today for non-payment, can I use the Pay With Credit Card, Debit Card or Electronic Check option to pay my bill?
Yes. The system will provide prompts to guide you through the process to pay your bill and any additional fees that may be required. The system will also automatically issue orders to reconnect your service. Note: Customers with indoor electric meters and gas meters will need to call Duke Energy to schedule a field visit to have service reconnected.
If my service was disconnected today, will I need to call Duke Energy to have it turned back on after I pay my bill?
The system will provide prompts to guide you through the process. A request to reconnect your service will be issued immediately after your payment is received. However, customers with indoor electric meters or gas meters will need to call Duke Energy to schedule a field visit to have service reconnected.
Why did I receive the message, “Your payment has been processed and applied to your Duke Energy account…the disconnect order has not been cancelled?”
The payment you made was below the minimum amount required to stop the disconnection of your service. The system will advise you of the total amount that must be paid to avoid service disconnection.
Can I use this service to pay multiple accounts?
Yes. However, you will need to make a separate payment for each account and a convenience fee will be associated with each payment. The convenience fee for residential accounts is $1.50, with a maximum payment amount of $1,000.00. The convenience fee for non-residential accounts is $12.95, with a maximum payment amount of $10,000.00.
Can I use this service if I am a non-residential customer and need to make a payment of $12,000.00?
Yes, but there is a maximum payment amount of $10,000 per transaction. This means you will need to make two payments, one payment for $10,000 and another for $2,000. A convenience fee of $12.95 is charged for each non-residential payment transaction. Residential accounts are charged a fee of $1.50 per transaction with a maximum payment per transaction of $1,000.
May I pay using my money market or savings account?
No, payments made using electronic check are restricted to checking accounts only.
May I make multiple payments to a single account?
Multiple payments may be made toward any one account; however, there is a limit of five total payments toward any one Duke Energy account every 30 days when using Western Union Speedpay. Additionally, there is a limit of $1,000 for residential and $10,000 for non-residential per transaction. Please keep these limitations in mind when planning your payments.