What is the ACI FL POWER & LIGHT charge?

How FPL card payments are processed

FPL says it partners with Speedpay so customers can pay their bill with a credit or debit card, and that a convenience fee applies. FPL calls Speedpay its approved third-party payment processing partner for debit and credit card payments. Speedpay's published terms describe Speedpay as an ACI Worldwide company whose affiliates include ACI Worldwide Corp. and ACI Payments, Inc. That link is the likely reason a card payment to FPL carries the ACI name, although the pages reviewed here do not show how the payment is worded on a bank or card statement.

FPL also lists free ways to pay that use a bank account instead of a card: FPL Automatic Bill Pay, Pay Online on FPL.com and Pay By Phone. Automatic Bill Pay enrollment asks for a U.S. bank routing and account number. Card payments through Speedpay are the route FPL ties to a convenience fee, so knowing which method was used tells you where to look for the record.

Sources for this section: FPL: Pay with a credit or debit card · FPL: Guest Pay powered by Speedpay · FPL: Ways to pay your bill · FPL: Automatic Bill Pay · Speedpay: Terms and Conditions (published for another biller). See the claim limits below.

Find the matching payment record

FPL says a Speedpay card payment produces a confirmation number right away and posts to the FPL account within minutes. Its Guest Pay FAQ adds that a confirmation email goes to the address entered during payment. Compare the amount and date on your statement with that confirmation and with the payment history in the FPL account; FPL says its mobile app lets you track payment history.

Guest Pay lets someone pay any FPL account with a card using only the FPL account number and the service address ZIP code, without signing in. The payer agrees that they are the account holder or an authorized representative. A card payment could therefore have been applied to an FPL account other than yours, such as a relative's. Ask anyone who can use your card whether they paid an FPL bill. FPL also notes that overpayments of more than $10 are not accepted through this service.

Sources for this section: FPL: Pay with a credit or debit card · FPL: Guest Pay powered by Speedpay · FPL: Ways to pay your bill. See the claim limits below.

A possible second, smaller line

Speedpay terms published for a different biller say a processing fee, when charged, appears on the bank or card statement as an additional transaction and is disclosed before you confirm the payment. We could not open the general Speedpay terms page that FPL links to, so we have not confirmed that FPL card payments are split the same way. If you see a smaller charge near the same date, compare it with the fee shown on your Speedpay confirmation before treating it as a separate purchase.

Sources for this section: FPL: Pay with a credit or debit card · Speedpay: Terms and Conditions (published for another biller). See the claim limits below.

Questions and unrecognized payments

FPL lists Speedpay's payment line as 800-979-3967 for the FPL region and 833-702-0075 for the FPL Northwest FL region. For questions about the FPL bill itself, FPL's Pay by Phone page directs customers to the customer service number printed on the front of the bill.

If no FPL account you or your household manages shows the payment and nobody you know made it, contact your card issuer right away. The OCC's HelpWithMyBank site says prompt notice helps limit your liability for unauthorized credit card charges, that you can notify the bank in person, by phone or in writing, and that the bank must investigate and report its results within two complete billing cycles or 90 days, whichever is less.

Sources for this section: FPL: Pay with a credit or debit card · FPL: Guest Pay powered by Speedpay · FPL: Pay by phone · OCC HelpWithMyBank: unauthorized charges on a credit card. See the claim limits below.

Sources and evidence

Sources may support different parts of this page. A company homepage does not establish a statement descriptor, refund policy or contact detail. Check the claim notes and your own receipt before acting.

• FPL: Pay with a credit or debit card https://www.fpl.com/account/bill/credit-card.html

  FPL partners with Speedpay for card payments with a convenience fee, Speedpay phone 1-800-979-3967, confirmation number, posting within minutes and the $10 overpayment limit. Does not show any bank statement descriptor. · Checked 2026-11-01

• FPL: Guest Pay powered by Speedpay https://www.fpl.com/account/bill/guest-pay.html

  Guest Pay needs only the FPL account number and service ZIP code, payer attests to being the account holder or authorized representative, confirmation email, Speedpay numbers for both FPL regions, Speedpay as FPL's approved third-party card processor and FPL receiving no part of the fee. Does not show any bank statement descriptor. · Checked 2026-11-01

• FPL: Ways to pay your bill https://www.fpl.com/account/bill/ways-to-pay.html

  Lists free bank-account options (Automatic Bill Pay, Pay Online, Pay by Phone), card payments through Speedpay and payment-history tracking in the FPL Mobile App. · Checked 2026-11-01

• FPL: Automatic Bill Pay https://www.fpl.com/account/bill/automatic-bill-pay.html

  Automatic Bill Pay enrollment uses a U.S. bank routing and account number. Does not cover card payments. · Checked 2026-11-01

• FPL: Pay by phone https://www.fpl.com/account/bill/pay-by-phone.html

  Pay By Phone uses a bank account at no charge and directs callers to the customer service number on the front of the bill. · Checked 2026-11-01

• Speedpay: Terms and Conditions (published for another biller) https://internet.speedpay.com/cac/terms.html

  Identifies Speedpay as an ACI Worldwide company with affiliates ACI Worldwide Corp. and ACI Payments, Inc., and says a processing fee appears as an additional statement transaction. These terms are published for a different biller; the FPL-linked terms page returned an access block and was not read. · Checked 2026-11-01

• OCC HelpWithMyBank: unauthorized charges on a credit card https://www.helpwithmybank.gov/help-topics/credit-cards/disputes-unauthorized-charges/unauthorized-charges/unauthorized-charge-steps.html

  Notify the bank promptly about unauthorized charges, by phone, in person or in writing; investigation results within two billing cycles or 90 days. Not specific to FPL; applies to OCC-regulated banks. · Checked 2026-11-01