Payment channels

Pay Lowell Regional Water Utility

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 Invoice Cloud. Never enter account credentials into a lookalike site reached through an unsolicited message.

Open payment portal ↗

Telephone payment

Phone IVR

(877) 675-1669 for credit-card or electronic-check water-bill payments.

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

Register the water bill with an email address and password through Invoice Cloud, sign in, open My Profile, and activate Pay by Text. Checking/savings electronic checks and eligible card types are supported; replying STOP opts out of Invoice Cloud texts, and standard carrier messaging charges may apply.

Mail-in address

Office of the City Treasurer, 375 Merrimack Street, 1st Floor Room 30, Lowell, MA 01852. Mail check or money order, clearly identifying the bill number and property address; do not mail cash.

Counters, drop boxes, and office hours

Office of the City Treasurer in Lowell City Hall, 375 Merrimack Street, 1st Floor Room 30, Lowell, MA 01852. City Hall hours are Monday 8:00 a.m.-5:00 p.m., Tuesday 8:00 a.m.-8:00 p.m., Wednesday-Thursday 8:00 a.m.-5:00 p.m., and Friday 8:00 a.m.-noon. In-person instruments include credit/debit card, cash, check, or money order. Water Utility operations are at 815 Pawtucket Boulevard, Lowell, MA 01852.

Accepted digital instruments

What you can use online

Credit card, debit card, electronic check from checking or savings, Pay by Text through Invoice Cloud, scheduled payment, and Auto-Pay. In-person water-bill payments can also use card, cash, check, or money order.

2026 transaction pricing

Convenience fees

Water-bill online card or PayPal/Venmo payments are charged up to 3.5% with a $3.95 minimum; electronic check is $0.40 per transaction. Pay-by-text transactions are also subject to the collector's convenience fee.

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 Lowell Regional Water Utility 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 →