Toho Water Bill Pay: Online Portal, Phone Payment, AutoPay, Pay by Text, Assistance and Usage Credit Help
Toho Water customers often need more than a basic payment link. You may need the correct portal for your account number, a one-time payment option, AutoPay setup, a phone payment number, payment assistance, a bill question form, or help after a leak caused high usage. This guide keeps Toho’s official payment, customer service, assistance and emergency resources in one practical place.
Online pay
Use Toho’s official payment portal for one-time payment or account enrollment.
Enroll account
Portal enrollment needs your 18-digit account number and 5-digit mailing ZIP code from the bill.
Customer service
Call 407-944-5000 for 18-digit accounts or 407-957-7344 for 8/9-digit accounts.
Bill help
Toho lists payment extensions and Toho Assistance Program resources for qualifying customers.
Main Official Toho Water Bill Pay Links
How to Pay Your Toho Water Bill Online, by Phone, Mail, Amscot, MoneyGram or In Person
Toho offers several payment choices. The best option depends on whether you want a quick one-time payment, no-cost e-check, AutoPay, Pay by Text, phone payment, mail payment, cash payment or in-person support.
| Payment method | Official detail | Practical action |
|---|---|---|
| Online portal | Toho’s payment portal supports one-time payment and account enrollment. | Open the official payment portal. |
| Registered online account | Registered users can use portal tools such as AutoPay and Pay by Text. | Create an account if you pay monthly and want fewer fees or more tools. |
| Phone payment | Call 407-957-7344 to pay by e-check or credit/debit card. | Have your account number and payment details ready. |
| Mail payment | Send check or money order with bill stub to Toho Water Authority, PO Box 31304, Tampa, FL 33631-3304. | Include your Toho account number on your check. |
| In-person computer station | Credit/debit card and e-check payments can be made at the customer service walk-in center computer station at St. Cloud City Hall, Building A, first floor. | Use this if you want in-person access to the payment system. |
| Amscot cash payment | Toho says cash-only payments are accepted at any Amscot location free of convenience fees. | Use Amscot if you need a cash payment option. |
| MoneyGram | Toho links customers to Amscot or MoneyGram payment locations. | Confirm location and payment details before visiting. |
Toho Water Payment Fees, One-Time Payment, e-Check, Credit Card and Portal Enrollment
Toho’s payment system uses InvoiceCloud as an independent service provider for credit card and e-check payments. Fees can depend on whether you make a one-time payment or use a registered payment account.
| Payment detail | Official information | Best customer action |
|---|---|---|
| e-check online | Toho says there is no cost to pay by e-check online. | Use e-check if you want to avoid credit/debit convenience fees. |
| Credit/debit card | Ways to Pay states InvoiceCloud charges a $3.25 convenience fee per $1,000 for credit/debit card payments. | Review fee before submitting payment. |
| One-time payment | Toho’s billing page says the one-time payment option incurs additional fees and creating an account can avoid extra fees. | Enroll if you pay regularly and want better account tools. |
| Credit/debit transaction limit | Toho lists a $1,000 limit per credit/debit card transaction. | Plan ahead if your balance is above the limit. |
| Portal enrollment | You need your 18-digit account number and 5-digit mailing ZIP code from your bill remit stub. | Have your paper or PDF bill open before enrolling. |
Toho AutoPay, Pay by Text, eBills and Online Account Tools
For regular customers, account registration can save time and make monthly utility management easier. Toho says registered portal users can set up AutoPay and Pay by Text.
AutoPay
AutoPay is best for customers who want recurring bill payment and fewer missed due dates.
Pay by Text
Pay by Text can help mobile-first customers pay faster after receiving payment prompts.
eBills
eBills can reduce paper mail and help you receive bill information electronically.
Toho Water Phone Numbers: Which Number Should You Call?
Toho lists different phone support depending on the account number type. Check whether your account number is 18 digits, 8 digits or 9 digits before calling.
| Account or need | Official phone | Use this for |
|---|---|---|
| 18-digit account number | 407-944-5000 | Customer service, bill questions, emergencies and general account support for 18-digit accounts. |
| 8-digit or 9-digit account number | 407-957-7344 | Customer service and account support for 8/9-digit accounts. |
| Phone payment | 407-957-7344 | Pay by e-check or credit/debit card by phone. |
| Water or sewer emergency | 407-944-5000 | 24/7 water-related or sewer emergency support. Toho says to call before contacting a plumber. |
| Bill question form | Online form | Non-urgent bill questions that Toho’s bill-focused team can review. |
Toho Payment Assistance: Payment Extension and Toho Assistance Program
If you cannot pay your bill on time, Toho lists two main help routes: payment extension requests and the Toho Assistance Program, also called TAP.
| Help option | What Toho says | Best action |
|---|---|---|
| Payment extension request | Payment extension requests give customers more time to pay the bill with no added fees. | Request help before the bill becomes more urgent. |
| Toho Assistance Program | TAP offers financial assistance to qualifying customers. | Open the official Payment Assistance page and follow Toho’s application route. |
| Delinquent account concern | Customers are responsible for notifying customer service when an account has been paid in full to ensure timely action. | Call Toho after urgent payment if service or delinquency timing matters. |
| Bill question | Toho has a bill-question team and form for bill-related questions. | Submit the bill question form and keep screenshots or confirmation. |
Toho Usage Credit Request for Leaks, Pool Fills or Unexplained High Consumption
A high Toho Water bill may qualify for review if the increase is tied to qualifying leaks, pool fills or unexplained high consumption. The official Usage Credit Request page explains the basic thresholds and exclusions.
| Usage credit rule | Official detail | Practical customer action |
|---|---|---|
| Qualifying reason | Toho provides credit adjustment for the highest bill during a high consumption period for qualifying leaks, pool fills or unexplained high consumption. | Open the Usage Credit Request and review eligibility before applying. |
| Frequency limit | Customers can apply once during a rolling 12-month period. | Use the request carefully and submit complete details. |
| Usage threshold | Increased usage must be at least 10,000 gallons more than the highest usage from the past year or twice the average usage from the past year. | Compare current usage with prior-year usage before requesting credit. |
| Leak questions | Toho says customers with leak questions can contact customer service at 407-944-5000. | Call before spending on repairs if you are unsure whether the issue is on Toho’s side or private plumbing. |
Start, Stop or Move Toho Water Service
If you are moving into the Toho service area, moving within it, or stopping service, use the official start/stop/move service route rather than only paying a bill.
Starting service
Use the official Toho start/stop/move service page and prepare customer details, service address and move-in information.
Moving service
Transfer service within the Toho area by using the online service request route or calling the correct customer service number for your account type.
Stopping service
Do not assume service ends automatically when you move. Submit the stop-service request and save confirmation.
Toho Water Customer Service Phone Number, Email, Office Address and Map
Use these official contact details for bill payment, account questions, AutoPay, Pay by Text, payment assistance, service start/stop/move, usage credit, leak questions and emergencies.
Toho Customer Service
18-digit accounts: 407-944-5000
8/9-digit accounts: 407-957-7344
Email: customerservice@tohowater.com
Call center: Monday to Friday, 8:00 AM to 5:00 PM.
Main address
Address: 951 Martin Luther King Blvd., Kissimmee, FL 34741
Toho also lists a St. Cloud walk-in payment center at St. Cloud City Hall, Building A, first floor, open Monday to Friday from 8:00 AM to 4:00 PM for the computer-station payment option.
Map shows Toho Water Authority at 951 Martin Luther King Blvd., Kissimmee, FL 34741. For bill payment, use the official Toho payment portal or official Ways to Pay page.
Common Toho Water Bill Pay Mistakes That Cause Fees, Delays or Account Stress
Most Toho payment problems can be avoided by using official links, confirming your account number type, checking convenience fees, and calling early when a bill or leak issue appears.
| Mistake | Why it creates trouble | Better action |
|---|---|---|
| Using unofficial bill-pay pages | Payments may be delayed, misdirected or include confusing third-party charges. | Start from tohowater.com or schedulepayment.com/toho. |
| Not knowing account number type | Toho has different customer service guidance for 18-digit vs. 8/9-digit accounts. | Check your bill before calling or enrolling. |
| Ignoring one-time payment fees | One-time payment can include additional fees. | Consider creating a payment account and using e-check where suitable. |
| Mailing payment without account number | Processing can be delayed if the payment is not clearly tied to the account. | Write your Toho account number on the check. |
| Calling a plumber before Toho for emergencies | Toho says it can help determine whether a plumber is needed. | Call Toho first for water or sewer-related emergencies. |
| Waiting on a high bill | Usage credit requests have rules and frequency limits. | Check leaks, collect proof and review the Usage Credit Request quickly. |
Toho Water Bill Pay FAQs
These answers cover common searches about Toho Water online payment, phone payment, portal login, AutoPay, Pay by Text, fees, mail payment, assistance, high bills, usage credit and emergencies.
QHow do I pay my Toho Water bill online?
Use the official Toho Billing and Payment page or the Toho online payment portal. You can make a one-time payment or create an account for AutoPay, Pay by Text and account tools.
QWhat is the official Toho Water payment portal?
Toho links customers to schedulepayment.com/toho for online bill payment and portal enrollment.
QDo I need to create an account to pay Toho Water?
No. Toho’s portal includes secure one-time payment. However, Toho says one-time payment can include additional fees, while creating an account gives access to additional payment tools.
QWhat do I need to enroll in the Toho payment portal?
Toho says you need your 18-digit account number and 5-digit mailing ZIP code from the remit stub of your bill.
QWhat is the Toho Water customer service phone number?
For 18-digit account numbers, call 407-944-5000. For 8-digit or 9-digit account numbers, call 407-957-7344.
QCan I pay Toho Water by phone?
Yes. Toho Ways to Pay lists phone payment at 407-957-7344 for e-check or credit/debit card payments.
QDoes Toho Water charge payment fees?
Toho says InvoiceCloud processes credit card and e-check payments. The Ways to Pay page states there is no cost to pay by e-check online, while credit/debit card payments include a convenience fee.
QCan I set up Toho AutoPay?
Yes. Toho says registered users on the InvoiceCloud payment portal can set up AutoPay.
QDoes Toho offer Pay by Text?
Yes. Toho Ways to Pay says registered users on the InvoiceCloud payment portal can set up Pay by Text.
QWhere do I mail my Toho Water bill payment?
Mail check or money order payments with your bill stub to Toho Water Authority, PO Box 31304, Tampa, FL 33631-3304. Include your Toho account number on your check.
QCan I pay Toho Water with cash?
Toho says cash-only payments are accepted at any Amscot location free of convenience fees.
QWhere can I pay Toho Water in person?
Toho says credit/debit card and e-check payments can be made at the computer station in the customer service walk-in center located at St. Cloud City Hall, first floor of Building A, Monday through Friday from 8:00 AM to 4:00 PM.
QCan I get help paying my Toho Water bill?
Yes. Toho lists payment extension requests and the Toho Assistance Program for qualifying customers experiencing financial strain.
QCan Toho extend my payment due date?
Toho says payment extension requests give customers more time to pay the bill with no added fees. Use the official Payment Assistance page for current request options.
QCan Toho adjust a high water bill?
Toho provides a Usage Credit Request for qualifying leaks, pool fills or unexplained high consumption. Customers can apply once during a rolling 12-month period, subject to program rules.
QWhat qualifies for a Toho usage credit request?
Toho says increased usage must be at least 10,000 gallons more than the highest usage from the past year or twice the average usage from the past year. Review the official Usage Credit Request page for exclusions and complete rules.
QWho do I call for a Toho water or sewer emergency?
Toho says water or sewer emergencies are available 24/7. For 18-digit accounts, call 407-944-5000. Toho also says to call before contacting a plumber for water-related or sewer emergencies.
QHow do I ask Toho a question about my bill?
Use the official Bill Questions form. Toho says it has a team focused on questions relating to bills.
QIs Water-Department.org the official Toho Water website?
No. This is an independent guide. Official payments, customer service, payment assistance, usage credits and emergency support must be handled through Toho Water Authority and its official resources.
Official Sources for Toho Water Bill Pay Customers
Use these official resources for final confirmation before paying, enrolling, requesting help, asking a bill question, applying for usage credit or reporting an emergency.
| Official source | Use it for | Open |
|---|---|---|
| Billing & Payment | Main billing hub, online payment portal and payment account guidance. | Open billing hub |
| Ways to Pay | Online, phone, mail, in-person, Amscot, MoneyGram, AutoPay, Pay by Text and payment assistance details. | Open ways to pay |
| Online Payment Portal | One-time payment, enrollment and online account payment tools. | Open payment portal |
| My Account Login | Registered account login, password reset and enrolled account tools. | Open account login |
| Payment Portal Enrollment | Enrollment help, account number and ZIP code requirements. | Open enrollment help |
| Account & Balance Search | Search by phone number or service address to find account number, balance due and due date. | Open account search |
| Customer Service | Phone numbers, account support, emergency guidance, payment assistance and bill questions. | Open customer service |
| Payment Assistance | Payment extension requests and Toho Assistance Program information. | Open payment assistance |
| Usage Credit Request | High-bill review for qualifying leaks, pool fills or unexplained high consumption. | Open usage credit |
| Start, Stop or Move Service | New service, transfer service or stop service requests. | Open service request |
Pay Smarter, Check High Bills, Start Service, Avoid Shutoff and Find Official Water Department Links
Use this free tool before paying a water bill, setting up autopay, starting or stopping service, checking a high bill, requesting leak help, or looking for the official water department portal. It gives practical next steps without collecting your account number or personal details.
What water bill or service problem do you need to solve?
Choose your situation. The tool will suggest the safest next step, what to prepare, and which official page to check first.
Start from the official water department, city, county or utility website before entering account details. Avoid random payment ads and look-alike bill pay sites.
Before paying a very unusual bill, check meter reads, toilet leaks, irrigation use, estimated bills, late fees, and whether your utility offers a leak adjustment.
Water Bill Payment Route Helper
Choose how you want to pay. The tool will tell you what to prepare and the safest payment path.
High Water Bill Checker
Compare your normal bill with the new bill and get a practical investigation path before calling customer service.
Leak Check and Adjustment Checklist
Use this before requesting a leak adjustment, disputing a bill, or calling the water department about high usage.
Start, Stop or Transfer Water Service Helper
Use this before moving, opening a new account, closing an old account, or transferring service to another address.
Past Due, Shutoff and Reconnection Helper
Use this if your account is late, disconnected, at risk of shutoff, or you need a payment plan or assistance program.
Simple Water Usage Cost Estimator
Estimate a rough bill from base charge, usage units, rate per unit, sewer charge, stormwater fee and service fees. Official tiered rates may be different.
Official Water Department Resource Finder
Enter city/utility and state to create safe searches for the official water bill portal, phone number, outage page, assistance, start service, leak adjustment, and Water-Department.org guide.
Water Department vs Payment Processor
- Water department: account help, service start/stop, leaks, repairs, shutoff, assistance.
- Payment processor: card/eCheck payment screen, payment fee, confirmation number, posting time.
Best sitewide placement
Add this tool after the main payment section or before FAQs. It helps users solve the next problem after reading the article.
Important safety note
This tool gives educational guidance only. Always confirm payment portals, phone numbers, account balance, assistance rules and reconnection steps with the official water department or utility.