Payment channels

Pay City of Winter Garden Utility Billing Department

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 BS&A Online. Never enter account credentials into a lookalike site reached through an unsolicited message.

Open payment portal ↗

Telephone payment

Phone IVR

407-656-5437 for credit/debit card phone 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

No utility payment text keyword or SMS opt-in instruction was published on the reviewed Winter Garden billing page. The City offers paperless billing, bank drafting and online account features; customers should not confuse account notifications with a text-to-pay enrollment.

Mail-in address

City of Winter Garden, 300 W. Plant Street, Winter Garden, FL 34787.

Counters, drop boxes, and office hours

The Utility Billing service counter is at City Hall, 300 W. Plant Street, Winter Garden, FL 34787. Public-facing hours are Monday-Friday 7:30 a.m. to 5:30 p.m.; the City is closed weekends. Counter payments accept cash, check or money order. A night drop box is located at City Hall. Immediate new-service requests should be handled in person during the regular hours, and the City warns customers never to provide card or bank information to an unsolicited caller.

Accepted digital instruments

What you can use online

The BS&A portal accepts credit/debit cards, Apple Pay and Google Pay. The City also supports monthly automatic deductions from checking or savings accounts and phone card payments. The older FAQ lists online and phone card payments while the new portal adds the mobile-wallet options.

2026 transaction pricing

Convenience fees

The City confirms that credit-card transaction fees apply to online and phone payments, but the reviewed official page does not publish the 2026 flat amount or percentage. Automatic bank deductions are offered separately.

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 Winter Garden Utility Billing Department 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 →