The insider angle
AutoPay is almost always the right answer
Con Edison's Direct Pay (also called AutoPay) pulls the full balance from a checking or savings account 10 days after the bill is issued. No fee, no missed-payment risk, no manual step. Customers who use it never accidentally hit ConEd's 1.5 % per month late charge on overdue balances.
The only reasons to skip AutoPay are: you want to time payments around payday, you carry a credit-card rewards strategy that beats the $3.35 BillMatrix fee, or your bank account balances are volatile and you would rather pay manually. In every other case, set it up once and forget it.
Setting it up takes about 5 minutes through My Account on coned.com. It takes roughly one billing cycle to activate; ConEd notifies you by mail when it is live.
Every Con Ed payment channel, ranked
Sorted from lowest friction to highest. All numbers and addresses preserved from the existing utility guidance.
AutoPay / Direct Pay
Set once, run forever. ConEd pulls the full balance 10 days after each statement from your checking or savings account. Free.
Activate through My Account on coned.com. Allow one billing cycle.
My Account online (Pay-by-Internet)
One-off bank payment, free of charge. Useful if you want to keep manual control.
Posts in about 1 business day.
Payment Express phone line
Automated 24/7 line for bank-account payments. Have your 15-digit ConEd account number and your bank routing details ready.
Call 1-888-925-5016. Free of charge.
BillMatrix (credit or debit card)
Visa, MasterCard, Discover, American Express, plus STAR / Pulse / NYCE / Accel debit. Flat $3.35 processing fee per transaction on residential accounts. Cap of $1,500 per transaction.
Phone: 1-888-747-1532. Posts in up to 2 business days.
Mail a check or money order
Make payable to Consolidated Edison Company of New York, Inc.
Mail to: Con Edison, JAF Station, P.O. Box 1702, New York, NY 10116-1702. Allow 5 to 7 business days. Never send cash by mail.
In-person at a ConEd walk-in center
Free to pay. See the customer-service guide for every borough location.
Mon to Fri, 8:30 a.m. to 5:00 p.m. Cash, check or money order.
Con Edison walk-in customer-service centers
Open Mon to Fri, 8:30 a.m. to 5:00 p.m. Bring your bill stub or your 15-digit account number.
| Borough | Address | Notes |
|---|---|---|
| Manhattan | 122 East 124th Street (at Park Avenue), NY 10035 | Main ConEd service center. |
| Queens | 89-67 162nd Street, Jamaica (at National Grid) | Exact payment only. |
| Bronx | 1775 Grand Concourse (between 174th and 175th) | Mon to Fri. |
| Brooklyn | One Metrotech Center (at Jay Street, at National Grid) | Mon to Fri. |
| Staten Island | 1140 Richmond Terrace (corner of Bard Ave) | Mon to Fri. |
For the full list of borough centers (Bronx, Brooklyn, Queens, Staten Island, Westchester, Dutchess), see the customer-service page.
If you cannot pay on time
Call ConEd at 1-800-752-6633 before the due date. Three options unlock once the utility knows.
Level Payment Plan
Spreads your projected annual bill into 12 equal monthly payments. Kills the summer-AC and winter-gas spike. Does not change the total you pay over a year.
Payment extension
Up to 20 extra days to pay, free of charge, if you qualify. Check eligibility in My Account or by phone.
HEAP and EAP
HEAP is a federal grant administered by NY OTDA. Approval triggers the EAP discount automatically on the ConEd bill.
Apply for HEAP at otda.ny.gov/programs/heap. The 2025-26 cap for a family of four is about $80,165 of gross income.
How to actually lower the bill, not just the fee
Picking the right payment channel saves a few dollars a year. Two other levers move a lot more money.
- 1.Cut consumption. Most line items on a ConEd bill scale with kWh or therms used. LEDs, smart thermostats, plugging energy vampires, weather-stripping. See our energy-saving guide.
- 2.Compare the supply half. Only one half of your bill, the supply, is shoppable. See how a ConEd bill splits and compare against ESCO offers in our NY supplier directory. The PSC has repeatedly found that the average mass-market ESCO customer pays more than the utility default, so compare carefully and re-check at renewal.
Frequently asked questions
AutoPay (also called Direct Pay) from a checking or savings account. No fee, no late charges, and ConEd pulls the full balance 10 days after your statement is issued. The credit and debit card route runs through BillMatrix, which adds a flat $3.35 processing fee per transaction on residential accounts.
Yes, but only through the third-party processor BillMatrix. They accept Visa, MasterCard, Discover, American Express, and debit cards on the STAR, Pulse, NYCE, or Accel networks. Each transaction carries a flat $3.35 fee that goes to BillMatrix, not Con Edison, and is capped at $1,500 per payment.
No. ConEd never accepts prepaid debit cards such as Green Dot Money Pak. Any caller telling you to pay your ConEd bill with a prepaid card is a scammer. See our Con Ed scams guide for what to do next.
Bank-account payments through My Account or Pay-by-Internet typically post within 1 business day. BillMatrix card payments take up to 2 business days. If your due date is close, pay early; mail can take 5 to 7 business days.
Call 1-800-752-6633 before the due date. Con Edison can grant a one-time payment extension of up to 20 days, or set up a Deferred Payment Agreement spreading the balance over time. Customers enrolled in HEAP or EAP get longer arrears protections.
Walk-in ConEd customer-service centers do not charge a fee. Authorized agents (check-cashing stores, supermarkets, pharmacies) sometimes charge a small convenience fee set by the agent. Ask before paying.
More Con Edison guides
More U.S. states with energy choice
Same playbook, different utility. Pick another deregulated state to compare utilities, suppliers and switching rules.
