How to Pay Your NYSEG Bill by Credit Card

For NYSEG customers looking for convenient payment options, paying your utility bill by credit card can be a great choice. NYSEG offers a few different methods to pay by card either online, by phone, or at retail locations. This guide will break down the available options and fees to help you choose the best credit card payment method for your NYSEG electric or gas bill.

Overview of Paying NYSEG Bills by Credit Card

NYSEG allows customers to pay by Visa, Mastercard, American Express or Discover credit and debit cards. However, they do not accept card payments directly. You must use a third-party payment service which charges a convenience fee for processing credit card transactions.

The available options include

• Online via Western Union Speedpay
• By phone through Western Union Speedpay
• In person at retail Western Union locations

While less convenient, paying by check or bank draft avoids service fees. Weigh the pros and cons to decide if the credit card convenience is worth the cost for your situation.

Paying Online by Credit Card

For fast online payment Western Union Speedpay allows NYSEG customers to pay bills by credit or debit card. To get started first create a Speedpay account on the Western Union website.

With your account created, you can log in and submit one-time or recurring NYSEG payments by card. A $3.99 transaction fee applies to online credit card payments.

Speedpay also offers options to receive paperless billing, view payment history, and set payment reminders for your NYSEG account.

Paying by Phone with a Card

In addition to their website, Western Union runs a toll-free automated phone system for NYSEG bill payments.

To use this system, dial 1-833-343-0194 and follow the prompts to enter your account details and payment info. The fees for phone payments are the same as online.

This can be a quick option if you don’t have time to login to the website or are making a last minute payment to avoid late fees.

Paying in Person at Western Union

You can also pay your NYSEG bill in cash at any Western Union retail location near you.

Western Union has thousands of partner shops and check cashing stores in the NYSEG service area. Stop into a location and present your bill or account number to the clerk to make a cash or card payment.

In-person payments incur the same $3.99 fee as the online and phone methods. Use the Western Union locator to find a payment location close by.

Understanding Convenience Fees

The fees charged by Western Union Speedpay cover the costs of processing credit transactions and operating the payment system. NYSEG does not receive any portion of the convenience fee amounts.

Since accepting directly credit cards has high transaction costs for merchants, NYSEG utilizes Western Union as an intermediary to offer card payment flexibility without incurring those costs themselves.

The fees allow card payment flexibility while encouraging the lowest cost options like checks, bank drafts, and cash payments directly through NYSEG.

Other Ways to Pay Your NYSEG Bill

If you want to avoid fees, paying by check or bank draft remains a free option directly through NYSEG:

• By mail: Send a check or money order using your remit stub and envelope. Allow 5-7 days for mail time.
• Automatic bank draft: Deduct payments directly from your checking account monthly. Sign up through Account Manager.
• In person: Pay with cash, check, or money order at an authorized NYSEG payment center.
• By phone: Use the automated system or speak with a rep to pay by debit/credit card or check.

Compare all options including fees to choose the right approach based on your needs and preferences each month.

Managing Your NYSEG Account Online

NYSEG offers an online Account Manager system for customers to easily manage billing and payments.

With an online profile, you can view your account balance, change your billing options, sign up for alerts and notifications, analyze your energy usage, and more.

Account Manager provides a simple way to monitor your NYSEG services andbilling details online as an alternative to paper statements.

Avoid Late Fees and Keep Service Active

If you are struggling to pay your NYSEG bill on time, call them immediately to discuss flexible payment plans and assistance programs. Depending on your situation, they may be able to offer extensions, arrangements, or deferred payments.

Nyseg also partners with United Way 2-1-1 to connect customers with energy assistance funds and grants. Dial 2-1-1 to learn more about these programs.

Keeping your account current is important to avoid collections actions or disruption of your electric and gas service. Explore all options to pay on time, lower your balance, and get back on track.

Pay Your Way with Flexible Options

NYSEG offers choices like credit card payments to fit every customer’s needs and preferences. Evaluate the fees, timeliness and convenience of each method to determine the optimal approach for your situation each month. Take control of your account and pay your NYSEG bill stress-free.