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My Flex Pay


To pay on your Flexpay account, click the button above.


What is FLEXPAY?


  • FLEXPAY is a pay-before-consumption program and an alternative to traditional monthly billing that allows participants to determine how much (subject to minimum payment policy) and how often they pay.


The FLEXPAY program

  • Provided by Southwest Tennessee Electric and Exceleron is an option for our members seeking an alternative to traditional electric service.
  • Allows participants to avoid deposits and monthly bills, customize their payment schedule, purchase energy when convenient, and monitor their own consumption.
  • Changes everything you know about electricity by providing real options for your unique situation
    • Monitor & adjust how much energy you consume each day
  • Allows you to pay for energy on your schedule and gives you the information to control your energy costs like never before.
    • Purchase energy before you use it, just like putting gasoline in your car.


How the Plan Works:


  • FLEXPAY is entirely optional.
  • New or existing members may choose to participate in the prepay service.
  • A minimum payment of $100 is required to create a FLEXPAY account.
  • Existing members with account balances may utilize the debt-recovery program and have their power turned on immediately.


Pay as You Use

  • As energy is consumed, the account balance is reduced until either the balance is exhausted or additional payments are made to the account.
  • Participants may pay as much or as often as they wish, provided the account maintains a positive balance.
  • Accounts with a negative balance are subject to immediate disconnection.


The Power of Information

  • Be notified of low balance, daily balance, pending disconnect, disconnection, and reconnection via phone, email and/or text message or push notification.
  • Check daily account balances on the MyUsage Website or the free MyUsage App.
  • The App is avaliable for download from the App Store or Google play.
  • You may also check your balance by calling 1-866-681-9447, visiting, or visiting your local STEMC office.
  • Prepay participants will not receive monthly statements in the mail.


Fees & Charges

  • A monthly prepay fee of $5.00 will be added to all participating accounts.
  • A security deposit will not be required.
  • A minimum payment of $40.00 is required for payments made in the office.
  • $20 minimum payments for online or telephone payments. 
  • There is no minimum payment when using any of our KioskPay Site machines. 
  • For your convenience, Kiosk payments may be made 24 hours a day, 7 days a week at the following STEMC office locations: 
    • Atoka, Covington, Jackson, Brownsville and Henderson
  • Payments may also be made at the Exxon/Tiger Mart in Whiteville 7 days a week from 6 am to 10 pm.
  • All existing fees, rates, and charges continue to apply, including existing applicable energy charges and customer charges.


  •  Disconnection occurs any time a credit balance is not present, regardless of notifications.
    In the event of disconnection, payment must be made for any unpaid daily charges accrued prior to disconnection; 
    as well as payment to establish a minimum positive balance of $35.00, plus a $35.00 service fee. 
  • A debt recovery payment amount will also be included if applicable. 
  • The amount to reconnect will change daily because the daily charges will continue to accrue during disconnection. 
  • If payment is received after 10 am on the second day an account is negative, 
    a $35.00 service fee will be charged regardless of actual disconnection of service.


Additional Information

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