Payment channels

Pay City of Panama City Beach Utilities Department – Water, Wastewater and Reclaimed Water

Use the provider’s verified online, telephone, mail, or counter instructions. Check the final confirmation screen for the amount, processing date, and any transaction fee before submitting.

Primary online route

Use the official payment portal

The direct portal is the fastest route when it is available. The provider identifies its payment gateway as Paymentus. Never enter account credentials into a lookalike site reached through an unsolicited message.

Open payment portal ↗

Telephone payment

Phone IVR

(888) 977-8721; customers enter the account number from the invoice, omitting leading zeros. Utility billing support is (850) 233-5100, option 3.

Have your account number and payment instrument ready. Follow the provider’s recorded prompts and retain the confirmation number.

Alternative channels

Mail, text, and in-person payment instructions

Pay by text

The current Panama City Beach pages publish online account registration and Auto Pay through the Paymentus utility billing site but do not publish a pay-by-text enrollment keyword, short code, or text-payment workflow. Customers should use the official portal or call Utility Billing at 850-233-5100 option 3 to confirm whether text alerts are available for the account.

Mail-in address

City of Panama City Beach, ATTN: Utility Billing and Customer Service, 230 S. Arnold Road, Panama City Beach, FL 32413. The City directs customers to the driveway drop-off box off San Vincente Street; the former mailbox/drop box at the Public Services Building, 116 S. Arnold Road, is no longer used for water-bill payments.

Counters, drop boxes, and office hours

Utility Billing and Customer Service is at 230 S. Arnold Road, Panama City Beach, FL 32413, Monday through Friday 7:30 a.m.–4:00 p.m. CST. The City also provides a driveway payment drop box off San Vincente Street. Payments made at night drop are credited on the next business day; the rate sheet warns that payments must be online, by phone, or in the office by 4:00 p.m. on the due date to avoid penalty.

Accepted digital instruments

What you can use online

Paymentus accepts online or telephone electronic payments, and the City’s current pages state that debit/credit card payments are not charged a City service fee. Auto Pay is available through the online account. The exact current card brands and e-check support should be confirmed in the Paymentus checkout path.

2026 transaction pricing

Convenience fees

The City states that it does not charge for credit-card payments. The February 2026 rate sheet also states that no penalty is avoided by a postmark and that late payments are subject to a 10% penalty; processor-specific terms, if any, should be reviewed before a transaction.

Fees can vary by payment type, channel, account class, and processor terms. The checkout screen is the final fee disclosure.

Payment guidance

Choose the payment channel that fits your deadline

The safest payment path is the one published by City of Panama City Beach Utilities Department – Water, Wastewater and Reclaimed Water and matched to the account information on your bill. Online portals are convenient, but telephone, mail, counter, and drop-box options may follow different posting schedules and may use different fees.

For a routine payment, save the final confirmation page or IVR number and check when the transaction will post. For a same-day shut-off notice, do not assume that submitting a card payment automatically stops a field order; ask the provider what amount and confirmation are required.

Never send your account number, password, card details, or bank information to Water Ledger. Those details belong only on the provider’s verified payment channel or at an authorized counter.

Return to utility profile →Review shut-off rules →