Panama City Water Utility Quick Desk: Pay, Log In, Call, Start Service or Report a Water/Sewer Issue
This guide is for City of Panama City, Florida utility customers. Use it to pay a water, wastewater and garbage bill, register in InvoiceCloud, call Utility Billing, pay by phone, set up ACH or AutoPay, start, transfer or cancel service, understand deposit and same-day activation timing, request payment arrangements, handle disconnection, report water or sewer emergencies, check water quality reports, and avoid confusing Panama City with Panama City Beach or Bay County Utility Services.
Start Here: What Do You Need?
User intent |
Best official action |
Have ready |
Panama City-specific detail |
|---|---|---|---|
Pay Panama City water bill online |
Use the City’s Online Payments page and select the InvoiceCloud utility bill portal. |
Account number, service address, payment method, current bill amount. |
Paymentus stopped accepting utility payments as of January 2026, so use InvoiceCloud. |
Make one-time online payment |
Use InvoiceCloud “One Time Pay” from the City-linked portal. |
Utility account number and payment method. |
InvoiceCloud says no registration is required for One Time Pay. |
Create login / manage account |
Register in InvoiceCloud, link your account, and update AutoPay/contact details. |
Email, utility account number, phone number, mailing address, payment source. |
Former Paymentus AutoPay users should reestablish AutoPay inside InvoiceCloud. |
Pay by phone |
Call 844-730-0458. |
Account number and payment method. |
InvoiceCloud lists a $0.50 additional fee for payments by phone on top of applicable card/PayPal fee. |
Ask billing/customer-service question |
Call Utility Billing at 850-872-3166. |
Account number, service address, bill date, confirmation number, question summary. |
Utility Billing hours are Monday-Friday, 8 a.m.-5 p.m. |
Start, stop, transfer or change account name |
Use the Online Utility Service Application or visit Utility Billing at City Hall. |
Completed application, picture ID, lease/rental agreement or closing documents, email. |
City says staff usually calculates deposit and emails invoice within an hour during 8 a.m.-5 p.m. |
Same-day service activation |
Submit complete application and pay invoice before noon. |
Application, ID, proof of occupancy, deposit invoice payment. |
Payments received before 12 noon can activate new account the same day. |
Close account |
Call Customer Service or use the Online Utility Service Form. |
Account number, service address, close date, forwarding address. |
Accounts close same day if request is before noon; after noon closes next business day. |
Report water/sewer/maintenance concern during business hours |
Call the Public Works Call Center at 850-691-4553. |
Exact address, cross street, issue type, photo if safe, callback number. |
This is for system/field concerns, not routine billing login help. |
After-hours urgent water/sewer issue |
Call 850-872-3112. |
Address, nearest cross street, water flow/sewer issue, property impact, phone number. |
Use after-hours routing for urgent water/sewer issues outside normal business hours. |
Provider check: This article is for City of Panama City, Florida utility billing. If your bill says Panama City Beach, Bay County Utility Services, Callaway, Parker, Lynn Haven, Springfield, apartment billing, HOA billing, private well/septic or another provider, use the provider printed on your bill.
Official Panama City Utility Contact Box
Utility Billing / Customer Service
City of Panama City Utility Billing
501 Harrison Avenue
Panama City, FL 32402
Phone: 850-872-3166
Hours: Monday-Friday, 8 a.m.-5 p.m.
Payment Contacts
InvoiceCloud / online payment: use the City’s Online Payments page.
Automated phone payment: 844-730-0458
Customer-service payment questions: 850-872-3166
Operations / Field Issues
Business-hours concern: 850-691-4553
After-hours urgent issue: 850-872-3112
Utility Operations: 850-872-3165
Official Panama City utility links:
Bill Pay and Login: InvoiceCloud, Phone, ACH, AutoPay, Mail, City Hall and Drop Box
InvoiceCloud
Use the City-linked InvoiceCloud portal for one-time payment, registration, AutoPay, paperless billing and Pay by Text.
Phone payment
Call 844-730-0458 and have your utility account number ready.
ACH / e-check
Electronic check payments online have no service fee. City ACH draft also requires the ACH form and bank documentation.
Paymentus warning
Paymentus is no longer operational for Panama City utility payments as of January 2026.
Start from the City website
Go to Online Payments and choose Utility/Water Bill. This avoids wrong-city portals, search ads and outdated Paymentus links.
Use One Time Pay or register
Use One Time Pay for a quick payment. Register in InvoiceCloud if you want AutoPay, paperless billing, account management, Pay by Text, or to update contact/payment information.
Check service fee and posting time
Credit, debit and PayPal-branded transactions have a $1.75 service fee. ACH/EFT has no service fee. Payments process at the close of the business day; weekend and holiday payments process at the end of the next business day.
Call if payment is tied to a notice
If you received a disconnect notice and already paid, call Utility Billing at 850-872-3166 with the confirmation number so staff can review the account status.
Payment route |
Official detail |
Best for |
Watch for |
|---|---|---|---|
InvoiceCloud online |
City’s required utility payment platform in 2026. |
One-time payment, account registration, AutoPay, paperless billing, Pay by Text. |
Former Paymentus users must re-register/update payment details in InvoiceCloud. |
One Time Pay |
InvoiceCloud says no registration is required for One Time Pay. |
Fast payment when you have the account number. |
Save receipt because guest payment may not show full account history later. |
Credit/debit/PayPal brands |
$1.75 service fee listed for card and PayPal-branded transactions. |
Fast digital payment when fee is acceptable. |
Phone card/PayPal payments add another $0.50. |
ACH / e-check online |
Electronic check payments have no service fee. |
Lower-fee online payment. |
Enter routing/account information carefully to avoid failed payment. |
Automated phone payment |
844-730-0458; account number required. |
Customers who prefer phone payment or need account balance by phone. |
Additional $0.50 fee for phone payments applies where listed by InvoiceCloud. |
ACH automatic draft through City |
Complete ACH form and provide voided check or bank letter for savings account deductions. |
Customers wanting bank withdrawal from checking/savings. |
Bill is mailed in advance; review it before funds transfer. |
Third-party AutoPay in InvoiceCloud |
Credit, debit card or ACH payments can be automatically withdrawn through the payment provider. |
Card/e-check recurring payment. |
If you enroll through third party, cancel through that third party as well. |
Mail |
Traditional mail remains an option. |
Routine check payment when time allows. |
Mail is not ideal for a disconnect notice or late account. |
City Hall counter |
Customers may visit City offices in person; billing counter is at City Hall. |
Payment plus account help, service forms and deposit questions. |
Bring bill, ID if service changes are involved, and payment proof if disputing a balance. |
After-hours drop box |
After-hours drop boxes are located at City Hall, 501 Harrison Avenue. |
Check/money-order drop-off outside business hours. |
Do not use drop box when immediate confirmation is needed. |
2026 login warning: If you were enrolled in Paymentus AutoPay before the change, do not assume your old automatic payment still works. Register in InvoiceCloud, update the payment method, confirm phone/mailing address, and verify AutoPay enrollment.
Start, Stop, Transfer or Change Panama City Utility Service
Start or transfer service
- Complete the Online Utility Service Application.
- Attach picture ID.
- Attach proof of occupancy such as closing documents, lease or rental agreement with signature pages.
- Watch for deposit invoice emailed by staff.
- Pay before noon for same-day activation when eligible.
Change name or account
- Use the online service form or visit Utility Billing at City Hall.
- Have account number and service address ready.
- Prepare proof showing responsibility for the property/account.
- Call 850-872-3166 for deposit requirements before submitting.
- Keep email confirmations and invoice receipts.
Discontinue service
- Call Customer Service or use the Online Utility Service Form.
- Request before noon for same-day closing.
- Requests after noon close next business day.
- Provide forwarding address for final balance/refund.
- Do not rely on a buyer, tenant or landlord to close your account.
Service step |
Official detail |
What to do carefully |
|---|---|---|
Application |
Online process can establish, transfer or cancel commercial or residential utility services. |
Complete every field; incomplete applications trigger email correction from staff. |
Identity proof |
Attach picture ID. |
Use a clear image; blurred ID can delay invoice and activation. |
Occupancy proof |
Attach closing documents, lease or rental agreement including signature pages. |
Make sure name and service address match the application. |
Deposit invoice |
City says deposit invoice is usually emailed within the hour during 8 a.m.-5 p.m. |
Check spam/junk folder and pay promptly if same-day activation matters. |
Same-day start |
Once payment is received, new account is activated; payments before noon can activate same day. |
Submit early; noon is the key practical cutoff. |
Deposit amount |
Deposit amounts vary by meter size and whether service area is inside or outside City limits. |
Call 850-872-3166 for account-specific deposit amount. |
On-site application |
Processed weekdays at City Hall from 8 a.m.-4:30 p.m. |
Arrive before the end of the processing window for service questions. |
Deposit refund |
Residential deposits are refunded after 24 consecutive months without delinquency or disconnection; if closing account, deposit applies to final balance and remainder is refunded. |
Ask whether your account has 24 months of clean payment history. |
Close account |
Same-day closing if requested before noon; next business day if requested after noon. |
Keep final-read/final-bill confirmation. |
New construction / never-serviced property |
Use Utilities Connection & Impact Application and call 850-691-4553 for new water or sewer connections. |
This is different from opening service at a property that already has City utilities. |
Move-day tip: Submit online service forms early in the morning, because deposit calculation, emailed invoice, payment posting and noon same-day activation timing all matter.
Payment Arrangements, Disconnect Notice and Restoring Service
Ask before the due date
If you cannot pay by the date shown on the bill, call Utility Billing. Payment arrangements are handled case by case.
Disconnect notice
If you received a disconnect notice and already paid, call 850-872-3166 so staff can review the account status.
Two-cycle warning
The City’s January 2026 notice says residents are permitted to be up to two billing cycles past due before water service is interrupted.
Account situation |
City guidance |
Best next action |
|---|---|---|
Cannot pay current bill |
Payment arrangements are made case by case. |
Call 850-872-3166 before the bill reaches disconnect notice status. |
Former Paymentus AutoPay stopped |
Paymentus stopped accepting utility payments as of January 2026. |
Register in InvoiceCloud, update payment method and confirm AutoPay is active. |
Outdated phone/mailing address |
City says advance notices include automated reminder calls and mailed past-due notices. |
Update phone and mailing address in InvoiceCloud. |
Disconnect notice received |
Payment made after notice should be reported to Utility Billing. |
Call 850-872-3166 with confirmation number. |
Service discontinued for nonpayment |
Previous unpaid balance plus service fee must be paid before service is reinstated. |
Ask the exact service fee and reconnection timing before assuming payment alone restores water. |
Disconnection seems incorrect |
City says to call Utility Billing if service was discontinued and you believe it was in error. |
Have bills, payment receipts, notices and account history ready. |
Payment on weekend/holiday |
Online payments process at the end of the next business day if paid on weekend/holiday. |
Do not assume weekend payment stops Monday field action unless staff confirms. |
High bill created past-due balance |
Use payment arrangement, temporary forgiveness/high-bill policies where applicable. |
Call before ignoring the bill; some relief options require prior balances paid or specific timing. |
Restoration caution: If service has been disconnected, paying through InvoiceCloud or phone is only one step. Call Utility Billing with the confirmation number and ask whether the unpaid balance, service fee and field order are complete.
High Water Bill, Billing Errors, Estimated Reads and One-Time Lifetime Adjustment
1. Separate lines
Water, wastewater, garbage, prior balance, service fee and payment fee can all affect the total.
2. Check meter/billing history
Compare current usage to the past 12 months and note any estimated or delayed billing.
3. Find cause
Check toilets, irrigation, hose bibs, water heater, wet yard, pool fill and private plumbing.
4. Apply carefully
Some City relief options have strict timing, notarized affidavit, good-standing and payment requirements.
High-bill issue |
Official / practical detail |
What to do next |
|---|---|---|
Temporary water billing forgiveness policy |
City acknowledged MXU malfunctions, software errors, delayed billing cycles and unnoticed estimated billing. |
Call Utility Billing if your bill may involve system-related under/over billing. |
Under-billed gallons |
City policy says it will not pursue back-billing beyond two billing cycles, about 60 days, for under-reported usage caused by system issues. |
Ask whether your adjustment involves the temporary forgiveness policy. |
Over-billed gallons |
If over-billed because of system malfunction, City says credit is applied to the account. |
Request review with billing history and meter details. |
One-time lifetime adjustment |
Available for one extremely high utility bill per meter over account holder’s tenure at the property. |
Use only for extraordinary unexplained usage, not leaks, theft, pool fills or temporary forgiveness situations. |
Adjustment deadline |
Request must be submitted within 90 days of bill due date. |
Do not wait for multiple billing cycles to pass. |
Usage threshold |
Subject bill must be at least six times higher than the past year’s average water usage. |
Calculate the past-year average before asking for affidavit. |
Account history |
Customer needs at least 12 months of billing history on the meter at that property. |
New customers may not qualify for this specific adjustment. |
Good-standing requirement |
Account must be active and in good standing, with no nonpayment interruption or collections placement in previous 12 months. |
Resolve prior balances before applying. |
Required paperwork |
Original completed notarized affidavit must be submitted to Customer Service. |
Call 850-872-3166 to obtain the affidavit form and exact submission steps. |
Possible credit if approved |
50% credit on water portion exceeding past-year average consumption and 100% credit on sewer portion exceeding past-year average consumption. |
Ask for written explanation if denied. |
High-bill checklist: Before calling, write down the account number, service address, bill month, usage shown, normal monthly usage, whether bill was estimated, any leaks/repairs, whether AutoPay failed, and whether the account had disconnection or collections in the last 12 months.
New Water/Sewer Connections, Impact Fees, Irrigation Meters and Construction Accounts
Existing service vs new connection
Opening an account at a served property is different from applying for a new water or sanitary sewer connection for construction or a never-serviced property.
Connection questions
For new water/sanitary sewer connections, contact 850-691-4553 or use the Utilities Connection & Impact Application.
Impact fee timing
Connection and impact fees are reviewed by Public Works and must be paid before building-permit milestones where applicable.
Connection topic |
Official detail |
Customer / developer action |
|---|---|---|
New utility connection |
Application covers new water or sewer connections, irrigation meters and resizing existing water meters. |
Use Utilities Connection & Impact Application, not only the regular billing start-service form. |
Public Works review |
Applications are reviewed by Underground Utilities to evaluate connection feasibility. |
Wait for written explanation if service connection is denied or conditions apply. |
Impact fee worksheet |
Required if adding fixtures or making a new service connection. |
Prepare fixture counts and meter/tap details early. |
Meter installation timing |
New service connections/meter installation may take up to five weeks after payment of related fees. |
Do not schedule occupancy or opening around an unrealistic meter date. |
Staking preferred location |
Application asks applicants to stake preferred location: green for sewer and blue for water. |
Mark field locations before utility review/installation. |
Fee-calculation contact |
Utilities Plans Coordinator contact is listed for fee calculations. |
Call 850-691-4557 for fee-calculation questions if applicable. |
Connection after payment |
Utilities Administrative Coordinator / Underground Utilities is listed for service connection after payment. |
Call 850-872-3165 if fees are paid and installation/connection timing is unclear. |
Connection fee payment |
Application says water and sewer connection fees can be paid at Utility Billing, 501 Harrison Avenue, 1st floor, Suite 132, by check or money order. |
Bring check or money order made out to City of Panama City. |
Irrigation meter |
Irrigation meter applicants acknowledge Cross-Connection Control Program obligations and backflow responsibility. |
Budget for licensed plumber, permit and backflow maintenance/testing. |
Construction billing |
Standardized bills are water, sewer and garbage; special construction deductions depend on conditions and timely payment. |
Mark payment stub “Construction” where eligible and contact Utility Billing if facts change. |
Do not confuse two processes: Use the regular Utility Service Application for account activation/transfer/cancellation at an existing served address. Use the Utilities Connection & Impact Application when the property needs new taps, meter installation, meter resizing, irrigation meter or construction-related utility capacity review.
Water Quality, Discolored Water, Boil-Water Notices, Backflow and Sewer Problems
Water quality report
The Utility Operations page links the current annual water quality report and all prior reports.
Discolored water
Discoloration may occur after water main breaks, fires using high water volume or Bay County Water Treatment Plant issues.
Backflow / FOG
Environmental Compliance handles cross-connection programming, backflow preventers and fats, oils and grease questions.
Water / sewer need |
Official route |
What to do |
|---|---|---|
Report water/sewer concern during business hours |
Call 850-691-4553 or email callcenter1@panamacity.gov. |
Give exact location, type of concern and callback number. |
After-hours urgent water/sewer issue |
Call 850-872-3112. |
Use for urgent issues outside normal business hours. |
Discolored water |
Notify Utilities Department at 850-691-4553, Monday-Friday, 8 a.m.-5 p.m. |
Do not wash clothes while sediments are present because staining can occur. |
Boil-water notice |
Check City emergency alerts and Utility Operations information. |
Follow notice until it is officially rescinded. |
Annual water quality report |
Use Utility Operations “Annual Water Quality Report.” |
Open current PDF first; call Utility Operations for specific questions. |
Environmental laboratory |
2025 report lists Environmental Laboratory at 850-872-3194, Monday-Friday, 7 a.m.-3:30 p.m. |
Use for report/lab context, not bill-payment questions. |
Backflow / cross-connection |
Environmental Compliance: crossconnect@panamacity.gov or 850-691-4578 for connection-application backflow context. |
Keep backflow paperwork separate from utility bill payment. |
FOG / grease issue |
Environmental Compliance handles Fats, Oils and Grease Program. |
Restaurants and food-service businesses should ask before sewer problems become compliance issues. |
Sewer backup |
Call water/sewer concern line or after-hours urgent number depending timing/severity. |
Stop running water, avoid contact, document safely and call quickly. |
Utility locate before digging |
City is a member of Sunshine State One-Call of Florida. |
Call 811 before digging, fence posts, irrigation work or underground repairs. |
Discolored-water tip: The City says cloudy or rust-colored water can result from sediments after pressure changes. Avoid washing clothes until the issue clears, then report the problem so the City can flush lines where needed.
Panama City vs. Panama City Beach, Bay County, Callaway, Parker, Lynn Haven or Apartment Billing
Before paying: “Panama City water utility” is easy to mix up with Panama City Beach and Bay County Utility Services. Always match the provider name on the bill before entering bank or card details.
If your bill says… |
Use this route |
Avoid this mistake |
|---|---|---|
City of Panama City / Panama City Utilities / water, wastewater and garbage |
Use panamacity.gov, InvoiceCloud, 850-872-3166 and 501 Harrison Avenue. |
Do not pay Panama City Beach or Bay County Utility Services by mistake. |
Panama City Beach |
Use pcbfl.gov Utility Billing / Customer Service. |
Do not use Panama City’s InvoiceCloud portal for PCB accounts. |
Bay County Utility Services |
Use baycountyfl.gov Utility Services and the Bay County account number/payment route. |
Do not assume County direct retail accounts are visible to City billing staff. |
Callaway, Parker, Lynn Haven, Springfield or other local city |
Use the municipality printed on your utility bill. |
Do not call Panama City Utility Billing for another city’s account access. |
Apartment, condo, HOA or submeter company |
Ask whether water/sewer/garbage is direct-billed, allocated, submetered or included in rent/dues. |
Do not create a City account unless the City directly bills your unit or property. |
Private well or septic |
Use licensed well/septic professionals and local health guidance. |
Do not call City billing for private pump or septic failure unless you also receive City service. |
New construction / impact fees |
Use Public Works / Utilities Connection & Impact Application. |
Do not use the basic service-transfer form when a new tap or meter installation is needed. |
Garbage-only question on City bill |
Call Utility Billing first, then route to solid waste if needed. |
Do not assume a higher total is water usage without checking garbage/wastewater lines. |
Google Map: Panama City Utility Billing at City Hall
Visit note: Utility Billing / Customer Service is at 501 Harrison Avenue. Call 850-872-3166 before visiting if you need deposit amount, InvoiceCloud registration help, same-day activation, service cancellation, disconnect notice review, high-bill affidavit, or payment-posting confirmation.
Route |
Address / phone |
Use for |
|---|---|---|
Utility Billing / Customer Service |
501 Harrison Avenue, Panama City, FL 32402; 850-872-3166 |
Billing, payment, service start/stop/transfer, deposits, payment arrangements and high-bill review. |
City Hall general reference |
501 Harrison Avenue, Panama City, FL 32401; 850-872-3000 |
General City routing; choose Utility Billing for water-bill issues. |
Phone payment |
844-730-0458 |
Automated payment or account balance by phone. |
Business-hours water/sewer concern |
850-691-4553 |
Water, sewer or maintenance concern during Monday-Friday business hours. |
After-hours urgent issue |
850-872-3112 |
Urgent water or sewer issues outside normal business hours. |
Utility Operations |
850-872-3165 |
Utility operations, boil-water notices, water quality and sewer/water infrastructure routing. |
New connection / impact application |
850-691-4553 or Utilities Connection & Impact Application |
New water/sewer connections, never-serviced property, construction taps and meter changes. |
Environmental Compliance / backflow |
850-381-4119 or crossconnect@panamacity.gov / 850-691-4578 where listed for cross-connection program |
Backflow preventers, cross-connection and FOG issues. |
Panama City Water Utility FAQ
What is the Panama City water utility billing phone number?
Call City of Panama City Utility Billing / Customer Service at 850-872-3166 for water bill, wastewater, garbage, payment, meter reading, billing, start/stop/transfer and account questions.
Where do I pay my Panama City water bill online?
Use the official City of Panama City Online Payments page and choose the InvoiceCloud utility bill portal. Paymentus is no longer operational for City utility payments as of January 2026.
What is the Panama City utility bill phone payment number?
Call 844-730-0458 to make an automated phone payment or check account balance. You must have your utility account number ready.
What fees apply to Panama City online utility payments?
InvoiceCloud lists a $1.75 service fee for credit, debit and PayPal-branded transactions, and an additional $0.50 fee for phone payments. Electronic check / ACH online payments have no service fee.
Where is Panama City Utility Billing located?
Utility Billing / Customer Service is at 501 Harrison Avenue, Panama City, FL 32402. The City lists Utility Billing hours Monday through Friday, 8 a.m. to 5 p.m.
How do I start Panama City water service?
Use the Online Utility Service Application or visit Utility Billing at City Hall. Attach picture ID and proof of occupancy such as closing documents, lease or rental agreement with signature pages. Staff calculates the deposit and emails an invoice.
Can I get same-day Panama City utility activation?
Yes, when eligible. The City says once payment is received, the new account is activated, and payments received before 12 noon can have service activated the same day.
How do I close my Panama City utility account?
You can stop service by calling Customer Service or using the Online Utility Service Form. Accounts close same day if requested before noon and next business day if requested after noon.
Who do I call for a Panama City water or sewer emergency?
During business hours, report water, sewer or maintenance concerns to 850-691-4553. After hours, call 850-872-3112 for urgent water or sewer issues.
Does Panama City offer a high water bill adjustment?
Yes. The City has a one-time lifetime adjustment for one extremely high utility bill per meter, subject to conditions such as request within 90 days, bill at least six times higher than the past-year average, 12 months of billing history, good-standing account status, notarized affidavit and required payment toward the bill.
30-Second Panama City Water Utility Checklist
Pay/login: use the City Online Payments page and InvoiceCloud; Paymentus is no longer used for utility payments in 2026.
Phone: Utility Billing is 850-872-3166; automated phone payment is 844-730-0458.
Office: 501 Harrison Avenue, Panama City, FL 32402; Utility Billing hours are Monday-Friday, 8 a.m.-5 p.m.
Fees: card/PayPal-brand transactions have a $1.75 service fee; phone payments add $0.50; ACH/e-check online has no service fee.
New service: submit online application, picture ID and proof of occupancy; pay the emailed deposit invoice before noon for same-day activation where eligible.
High bill: ask about temporary billing-forgiveness review, estimated/MXU issues and one-time lifetime adjustment before ignoring a bill or missing a due date.

Editorial Team
WaterBillGuide.us
The content on WaterBillGuide.us is researched and prepared by our editorial team. Our writers and researchers review publicly available information from official utility websites and service portals to create clear, step-by-step informational guides.
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