Overview of PESCO Payment Options
PESCO consumers across Khyber Pakhtunkhwa have multiple options for paying their electricity bills. The traditional method of paying at the PESCO or bank counter is still widely used, especially in smaller towns and rural areas. However, digital payment methods have grown rapidly, with JazzCash, Easypaisa, bank apps, and online banking now handling a significant portion of PESCO bill payments. Understanding all available options helps you choose the most convenient method based on your location and preferences.
Regardless of which payment method you choose, you will need your 14-digit reference number. This is the primary identifier used by all payment systems to pull up your bill amount and process the payment. After payment, the system updates PESCO's central records, and the payment reflects on your next bill statement.
Digital Payment Methods
| Platform | How to Pay | Processing Time | Fee |
|---|---|---|---|
| JazzCash App | Menu → Bill Payment → Electricity → PESCO → Enter ref no. | Instant | Usually free |
| Easypaisa App | Bill Payment → Electricity → PESCO → Enter ref no. | Instant | Usually free |
| JazzCash USSD (*786#) | Dial *786# → Bill Payment → Electricity → PESCO | Instant | Usually free |
| Easypaisa USSD (*786#) | Dial *786# → Utility Bill → PESCO | Instant | Usually free |
| NayaPay App | Bills → Electricity → PESCO → Enter ref no. | Instant | Free |
| SadaPay App | Pay Bills → PESCO → Enter ref no. | Instant | Free |
| HBL Mobile | Pay Bills → Utility → PESCO → Enter ref no. | Instant | Free for account holders |
| UBL Digital App | Payments → Utility Bills → PESCO | Instant | Free for account holders |
| Meezan Bank App | Bill Payment → PESCO → Enter ref no. | Instant | Free for account holders |
| Bank Alfalah App | Pay & Transfer → Bill Payment → PESCO | Instant | Free for account holders |
Bank Branch and Counter Payments
Traditional bank counter payment remains the most widely used method in KPK, particularly in areas with limited smartphone penetration or for consumers who prefer in-person transactions. Most major banks in Pakistan accept PESCO bill payments at their counters free of charge for their account holders.
| Bank | Branches in KPK | Requirement | Fee |
|---|---|---|---|
| National Bank of Pakistan (NBP) | Extensive presence in all districts | Bill or reference number | Free |
| Habib Bank (HBL) | Major cities and towns | Bill or reference number | Free for account holders |
| United Bank (UBL) | Major cities | Bill or reference number | Free for account holders |
| Allied Bank (ABL) | Major cities | Bill or reference number | Free |
| Bank Alfalah | Urban areas | Bill or reference number | Free for account holders |
| Meezan Bank | Urban areas | Bill or reference number | Free for account holders |
| Bank of Khyber (BOK) | KPK-focused bank, strong local presence | Bill or reference number | Free |
The Bank of Khyber (BOK) is particularly relevant for PESCO consumers as it has a strong branch network throughout KPK, including smaller towns and district headquarters where other banks may not have branches. NBP also has extensive coverage in government and semi-urban areas.
ATM & Self-Service Kiosk Payments
Several banks offer utility bill payment through their ATM networks. This allows you to pay outside banking hours — useful for consumers who cannot visit during regular 9 AM-5 PM bank hours. Self-service kiosks are also available at some locations in Peshawar and other major KPK cities.
- HBL ATMs: Select Bill Payment → Utility → PESCO → Enter reference number and pay from your account.
- UBL ATMs: Bill Payments → Electricity → PESCO → Enter reference number.
- Meezan Bank ATMs: Utility Bills → PESCO → Enter reference number and confirm payment.
- Faysal Bank ATMs: Bill Payment option available on most machines.
- Self-service kiosks: Available in select commercial areas in Peshawar, Mardan, and Abbottabad.
Post Office and Collection Points
Pakistan Post offices across KPK also accept PESCO bill payments. This option is particularly useful in remote areas where bank branches and digital payment access may be limited. Additionally, authorized collection points and retailer outlets (such as JazzCash and Easypaisa agent shops) offer over-the-counter bill payment services.
| Channel | Availability in KPK | Requirement | Fee |
|---|---|---|---|
| Pakistan Post Offices | Wide coverage including rural areas | Printed bill or reference number | Nominal fee (PKR 5-10) |
| JazzCash Agent Shops | Available in almost every market area | Reference number | Usually free (agent commission from Jazz) |
| Easypaisa Agent Shops | Available in most commercial areas | Reference number | Usually free |
| NADRA e-Sahulat Centers | Available in many districts | Reference number + CNIC | Nominal fee |
Online Banking and Internet Banking
If you have an internet banking account with any major Pakistani bank, you can pay your PESCO bill from your computer at home or office. This is convenient for consumers who regularly use online banking for other transactions.
- Log into your bank's internet banking portal (HBL, UBL, MCB, ABL, Meezan, etc.).
- Navigate to Bill Payments or Utility Payments section.
- Select Electricity → PESCO from the provider list.
- Enter your 14-digit reference number.
- Verify the amount shown matches your expected bill amount.
- Confirm the payment and save the transaction receipt.
- The payment is immediately processed and reflected in PESCO's system.
Payment Tips and Best Practices
- Always pay before the due date printed on your bill to avoid late payment surcharges.
- Keep a record of all payment receipts (digital or paper) for at least 12 months.
- Verify that your payment was processed by checking your next bill's 'Previous Payment' field.
- If using a new payment method for the first time, verify the amount matches your bill before confirming.
- For large amounts (commercial or industrial bills), prefer bank transfer over mobile wallet due to transaction limits.
- If a payment fails or times out, check your bank/wallet balance before retrying to avoid double payment.
- Report any payment that doesn't reflect within 3 business days to both your payment provider and PESCO.
Frequently Asked Questions
How can I pay my PESCO bill online?
Use JazzCash, Easypaisa, NayaPay, SadaPay, or any major bank's mobile app. Select PESCO under utility bills, enter your 14-digit reference number, and confirm payment.
Is there a fee for paying PESCO bills through JazzCash?
JazzCash typically does not charge a fee for utility bill payments. The payment amount matches your bill amount exactly.
Can I pay my PESCO bill at any bank?
Yes, most major banks across Pakistan accept PESCO bill payments at their counters. In KPK, Bank of Khyber (BOK) and NBP have the widest branch coverage.
What happens if I pay my PESCO bill late?
A late payment surcharge is added if you pay after the due date. Missing the extended surcharge deadline can lead to disconnection proceedings.
How do I know if my PESCO payment was received?
Check the 'Previous Payment' or 'Last Payment' field on your next bill. Digital payments typically reflect within 24-48 hours.
Can I pay my PESCO bill through ATM?
Yes. HBL, UBL, Meezan Bank, and several other banks offer utility bill payment through their ATM machines using your debit card.
Do I need the full bill or just the reference number?
For digital payments, you only need the 14-digit reference number. For bank counter payments, bringing the printed or duplicate bill is recommended.
Can I set up auto-pay for my PESCO bill?
Some banks offer auto-pay or standing instructions for utility bills through their internet banking portals. Check with your specific bank.
What if I accidentally paid twice?
The overpayment will be adjusted as a credit on your next bill. You can verify this by checking your next bill's previous balance field.
Is it safe to pay PESCO bills through mobile wallets?
Yes. JazzCash and Easypaisa are regulated by the State Bank of Pakistan and use official PESCO integration. Always use the official app, never a third-party link.