Toho Water Utility 2026: Bill Pay, Login & Phone

Important: Check Your Toho Account Number Before Paying

Toho Water Authority uses different payment systems for different customer accounts. Your account number appears in the upper-right corner of your water bill.

Use the payment link corresponding to your account. If you are unsure which customer service area applies, open Toho’s official contact page and use its service-address lookup.

How to Pay Your Toho Water Bill Online

Toho accepts online payments by electronic check and major credit or debit cards. Fees depend on the account type and whether you register for an online payment profile.

For 18-Digit Toho Accounts

1. Open the official payment page. Visit Toho Ways to Pay.
2. Select the correct account section. Expand 18-digit account numbers.
3. Open the payment portal. Select the official online payment account link provided by Toho.
4. Choose how to pay. Create an online payment profile or select the one-time payment option.
5. Enter your account information. Follow the portal’s instructions to identify your utility account.
6. Select your payment method. Choose an accepted bank account, debit card or credit card.
7. Review the amount and fees. Confirm the account, payment amount and transaction total.
8. Submit and save your receipt. Keep the confirmation number until the payment appears on your account.

For an 18-digit account, Toho lists the following payment terms:

• Electronic check: No convenience fee.
• Credit/debit card through a registered online payment profile: No convenience fee.
• One-time credit/debit card payment: $1.25 per $100 paid.
• Card transaction limit: $1,000 per transaction.

For 8- or 9-Digit Toho Accounts

These accounts use InvoiceCloud for online payment processing.

1. Open Toho’s official payment page.
2. Expand the 8-digit account numbers section. Toho uses this section for its corresponding 8- or 9-digit customer accounts.
3. Select the InvoiceCloud payment link.
4. Choose Pay Now for a one-time payment or register for an online account.
5. Enter the requested customer and account details.
6. Select eCheck or an accepted credit/debit card.
7. Check the convenience fee and confirm the transaction.
8. Save your payment confirmation.

Toho lists no fee for online eCheck payments for these accounts. InvoiceCloud’s published card convenience fee is $3.25 per $1,000, with a $1,000 card transaction limit.

Accepted cards include Visa, Mastercard, American Express and Discover, subject to the payment processor’s current terms.

Toho Water Utility Login and Registration

Registered online payment accounts allow customers to save a payment method, schedule transactions, set up AutoPay and manage electronic billing.

Create an Online Account for an 18-Digit Account

Toho states that registration requires the complete 18-digit account number and mailing-address ZIP code printed on the remittance stub of your bill.

1. Open Toho Payment Portal Enrollment.
2. Select the Enroll Now button to access the payment provider.
3. Choose the option to create an online payment account.
4. Enter your complete 18-digit account number.
5. Enter the mailing ZIP code exactly as shown on the bill.
6. Complete the requested profile details and create login credentials.
7. Follow the email confirmation instructions.
8. Log in to add a funding source or schedule payments.

What if the Confirmation Email Does Not Arrive?

Check the spam or junk folder of your registered email account. Toho identifies donotreply@schedulepayment.com as a sender used for enrollment messages.

If the registration still cannot be completed, contact 407-944-5000 or email customerservice@tohowater.com.

Register an 8- or 9-Digit Account

1. Access the InvoiceCloud portal using Toho’s payment links.
2. Select Register an Account.
3. Enter the requested utility account and customer information.
4. Complete the email and password setup.
5. Sign in to review available payment and notification options.

Use the password recovery feature on the relevant payment portal if you forget your login details.

Payment Login Versus Water Usage Tracking

The payment portal is intended for billing and payments. Toho also provides MyMeter water-consumption monitoring for supported accounts. If you need consumption alerts or detailed usage information rather than a payment receipt, ask Toho which usage-tracking tools are available for your meter.

Other Ways to Pay Your Toho Water Bill

Customers can also pay by telephone, mail or at an authorized payment location.

Pay by Phone

18-digit account: Call 407-944-5000 and choose the automated payment option. The system is available 24 hours a day.

8- or 9-digit account: Call 407-957-7344 to make an accepted electronic-check or card payment.

Have the appropriate account number and payment details ready. Card convenience fees and transaction limits may apply.

Mailing Address for 18-Digit Accounts

Toho Water Authority
PO Box 30527
Tampa, FL 33630-3527

Mailing Address for 8- or 9-Digit Accounts

Toho Water Authority
PO Box 31304
Tampa, FL 33631-3304

Send a check or money order with the bill stub. For 18-digit accounts, include the Toho account number on the check. For shorter-number accounts, Toho requests both the customer number and account number.

Pay in Cash at Amscot or MoneyGram

Toho accepts cash payments at participating locations without a convenience fee. Bring your utility bill remittance slip so the payment can be correctly identified.

For applicable 18-digit accounts, Toho lists Amscot and MoneyGram. For 8- or 9-digit accounts, Amscot is the stated cash-payment option.

Find the authorized locations on Toho Ways to Pay.

St. Cloud Walk-In Payment Assistance

For the shorter-account-number service area, Toho lists a customer-service computer station at St. Cloud City Hall, first floor of Building A.

Address: 1300 9th Street, St. Cloud, FL 34769
Hours: Monday–Friday, 8 AM–4 PM

Electronic check and credit/debit card payment options are available through the station. Check the applicable processing fee before submitting.

Set Up Toho AutoPay or Pay by Text

AutoPay helps customers avoid manually submitting a payment every billing cycle. Payment profiles also support scheduled transactions and electronic bills.

Enable Automatic Payments

1. Open the official payment portal for your account type.
2. Log in to your registered online payment profile.
3. Add an accepted bank account or card as a funding source.
4. Find the AutoPay, Auto Draft or scheduled payment setting.
5. Choose the account and payment method.
6. Review the draft terms and confirm enrollment.
7. Check the next scheduled payment date before relying on automatic withdrawal.

Toho also supports pay-by-text notifications. Registered customers can enable this feature through the payment portal’s profile settings, where available.

Toho Water Rates and Charges in 2026

Toho Water Authority uses monthly base charges and tiered consumption rates for water and wastewater. The provider approved annual rate adjustments effective October 1, including a planned 7.5% adjustment for October 2026.

Because the rate schedule can change at the beginning of October, use the official Rates Schedule for the exact tariff effective on your billing date.

Published Residential Water Charges

The following figures are from Toho’s publicly available rate schedule that was effective October 1, 2025. They are useful for understanding the rate structure, but should not be treated as verified post-October 1, 2026 amounts.

The published monthly water base charge for a 3/4-inch meter is $7.75 under that schedule. Larger meters carry higher fixed service charges.

Published Residential Wastewater Charges

The corresponding published 3/4-inch wastewater base charge is $19.26 per month.

Why Water and Sewer Charges Are Different

Drinking-water charges help support treatment and distribution. Wastewater charges support sewer collection, treatment and associated infrastructure. Irrigation and reclaimed water are also billed under separate schedules where those services are provided.

For current estimates, use Toho’s official Rate Tables and Calculator. It allows customers to review charges based on water use and meter classifications.

How to Start, Stop or Move Toho Water Service

New residents and businesses can request service changes through Toho’s online customer service process.

Start Service at a New Address

1. Visit TohoWater.com.
2. Select Start/Stop/Move from the customer navigation.
3. Choose the appropriate new-service request.
4. Enter the service address and requested start date.
5. Provide the applicant and contact information requested.
6. Review the deposit and service requirements.
7. Submit the request and follow any instructions provided by Toho.

Toho states that new-service deposits may range from $0 to $200, depending on credit history and other applicable conditions.

For application assistance, call 407-944-5000 or the customer service number assigned to your account area.

Moving Out or Transferring Service

Use the same Start/Stop/Move process to end service or request a move. Provide your requested date and any forwarding information required for the final bill.

Toho states that a remaining security deposit is refunded as a credit on the final bill.

High Toho Water Bill? Check for Leaks and Irrigation Usage

A sudden increase in water consumption can affect both water and wastewater charges. In Central Florida, irrigation systems, leaking toilets and outdoor watering are common reasons to investigate.

What to Check First

1. Review the current bill. Compare gallons used with the prior billing period.
2. Check indoor fixtures. Look for running toilets, dripping faucets and wet areas near plumbing.
3. Inspect outdoor water use. Check hoses, sprinklers and irrigation controller settings.
4. Compare seasonal patterns. Look at usage during similar months in earlier years, where account history is available.
5. Repair confirmed leaks. Keep any invoices or repair evidence.
6. Contact Toho. Ask about account usage, meter concerns or eligibility for a usage credit.

Toho provides a Usage Credit Request option through its official billing and payment services. Review the current rules and required documentation before applying.

Toho Lawn Watering Days

For many Toho customers with 18-digit accounts, the published watering schedule uses the last digit of the street address:

Watering is prohibited between 10 AM and 4 PM under the listed schedule. Certain neighborhoods, reclaimed-water areas and shorter-number accounts may have different requirements.

Check the full address-specific rules on Toho Watering Days and Times.

Toho also offers irrigation evaluations to help customers adjust watering timers and identify problems with their systems.

Payment Extensions and Toho Assistance Program

If you are struggling with a water bill, Toho offers payment extensions and financial assistance programs for eligible customers.

Request More Time to Pay

1. Visit the Toho Billing and Payment section.
2. Select Payment Assistance.
3. Open the Payment Extension request option.
4. Enter the requested account and customer details.
5. Submit the request and review the response.
6. Keep the approved payment date and any instructions for your account.

Toho states that eligible payment extensions provide extra time without additional extension fees.

Toho Assistance Program (TAP)

The Toho Assistance Program provides financial assistance to qualifying households experiencing utility payment difficulties. Priority may be given to customers facing disconnection and households that include older adults, people with disabilities or children.

Toho identifies the Council on Aging as an assistance contact.

Assistance phone: 407-846-8532

For current eligibility, application instructions and availability, use Toho Customer Service and select Payment Assistance.

Report a Water Main Break, Sewer Backup or Service Problem

Toho Water Authority provides 24-hour emergency assistance for water and sewer infrastructure problems.

Emergency phone: 407-944-5000.

Toho advises customers to call the utility before hiring a plumber for a suspected public water or sewer issue. Staff can help determine whether the problem may involve utility infrastructure or private plumbing.

What to Do When Water Suddenly Stops

1. Check whether the problem affects one faucet or the entire property.
2. Ask whether nearby homes are experiencing the same interruption.
3. Look for visible street flooding, a broken water line or unusual wet ground.
4. Do not operate utility-owned water meters or valves.
5. Call 407-944-5000.
6. Select the emergency option and provide the complete location.

For serious sewer backups or a visible water main break, report the incident promptly. Avoid contact with wastewater and do not enter flooded areas near electrical equipment.

Toho Water Authority Office and Contact Information

Toho Water Authority
951 Martin Luther King Boulevard
Kissimmee, FL 34741

Customer service hours: Monday–Friday, 8 AM–5 PM.

Phone: 407-944-5000
Alternate service-area phone: 407-957-7344
Email: customerservice@tohowater.com

Directions to Toho Water Authority

For a billing dispute or question about a statement, use the official bill-question form available on Toho Customer Service. Toho says its customer service team generally responds to these online bill inquiries by email within two business days.

Frequently Asked Questions

Official Toho Water Authority Resources

• Toho Water Authority Official Website
• Official Bill Payment Options and Fees
• Payment Portal Enrollment Instructions
• Customer Service and Account Phone Numbers
• Water, Wastewater and Irrigation Rates
• Official Rate Schedule
• Rate Tables and Usage Calculator
• Watering Restrictions and Neighborhood Schedules
• Payment Assistance, Bill Questions and Emergency Help
• Official Customer Service FAQs

Information reviewed: October 23, 2026. Payment and account information is based on Toho’s published official instructions. The rate figures shown are identified as the October 1, 2025 schedule because the post-October 1, 2026 tariff amounts were not independently confirmed. Check the official rate schedule for current amounts.

Independent information notice: WaterUtilities.org is an independent information website and is not operated by or affiliated with Toho Water Authority. This guide provides public information and links to official services. Payments, account changes and emergency requests must be handled through Toho’s authorized systems.