page not found

Help When a Payment Attempt is Returned or Rejected

If your payment is returned by your bank or payment provider, or if your FPL account is flagged for fraud‑related activity, some payment methods may be unavailable. You can still pay your bill using other approved payment options.

When this applies

  • If two or more payment attempts are returned or rejected by your financial institution within a 12‑month period, or

  • If one or more payment attempts is returned or rejected by your financial institution and your FPL account has a fraud‑related restriction

Payment options still available

If your account is restricted from using certain payment types, you can use any of the following options:

  • Credit or debit card through an approved payment provider such as Speedpay

  • Certified check or cashier’s check

  • Money order

  • In‑person payments at authorized, non-bank payment locations

How long restrictions may last

Payment-type restriction typically remains in place for 12 months from the most recent returned payment. The restriction may continue longer if additional returned payments occur or if fraud‑related issues remain on the account. 

(Note: This restriction is sometimes referred to as “cash-only” status, however, multiple payment options in addition to cash remain available, as listed above.)

Why are some payment methods unavailable on my account?

If your payment attempt is returned or rejected by your bank or payment provider, or if your FPL account is flagged for fraud‑related activity, some payment methods may be unavailable. You can still pay your bill using other approved payment options.

When do these payment restrictions apply?

  • If multiple payment attempts are returned or rejected within a 12‑month period, or

  • If your account is placed on fraud‑related payment restrictions

What payment methods are restricted?

Bank‑based payment methods such as ACH transfer or pay by bank may no longer be available due to activity on your FPL account. 

What payment options are still available?

Customers can continue to pay using:

  • Credit or debit card through an approved payment provider such as Speedpay

  • Certified check or cashier’s check

  • Money order 

  • In‑person payments at authorized, non-bank payment locations (these locations typically accept cash and some or all payment types listed above)

How long do these restrictions last?

Payment-type restrictions typically remain in place for 12 months from the most recent returned or rejected payment. Restrictions may continue longer if additional returned payments occur or if fraud‑related issues remain on the account.

When an account has payment restrictions, why is the term “cash only” used if there are ways to pay besides cash?

The term “cash only” is common industry shorthand for restricted payment-type status, however, in reality, customers are not limited to paying only by cash. (see options above).