Pay Your Bill
El Toro Water District (ETWD) offers a variety of convenient and secure payment options. Whether you prefer to pay online, by phone, in person, or by mail, we have a solution that fits your needs. For cost free payment options, see the free payment section below.
Xpress Bill Pay
ETWD uses Xpress Bill Pay, a third-party payment service, for customers who elect to pay their bill online or via an automated or operator assisted phone system. Fees apply per the table below. With Xpress Bill Pay, you can:
- Make secure online or phone payments 24/7
- Use Visa, Mastercard, Discover and electronic checks
- Use guest checkout for quick, one-time payments
- Set up recurring automatic payments
- View and pay multiple accounts and locations
- Enroll in paperless billing
💳 Pay Online with Xpress Bill Pay
To access the Xpress Bill Pay portal, you will login or register for a new Xpress Bill Pay account. To register, you will need to look up your account number from your billing statement on the portal. Fees apply per the table below.
☎️ Pay by Phone with Xpress Bill Pay
Call 1-855-340-0589 anytime.
Follow the prompts for automated payment or request operator assistance during business hours. Fees apply per the table below.
🧑💼 Need Help?
📘 Xpress Bill Pay New User Guide (PDF)
📞 Xpress Bill Pay Support: (385) 218-0343 (Mon–Fri, 6 AM–5 PM MT)
Xpress Bill Pay Fee:
Beginning May 19, 2025, Xpress Bill Pay fees associated with El Toro Water District (ETWD) online and phone bill payments will be changing. These fee changes will apply to all payments using a credit card, debit card or electronic check.
Additionally, there will be a $500 per transaction limit on credit and debit card payments.
Please note: any customers that are enrolled in auto pay directly through ETWD are NOT affected by this change.
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Xpress Bill Pay Fee Schedule |
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| Payment Type | Description | Current Fee Schedule | New Fee Schedule (Effective 5/19/25) |
| Online | Credit Card | $3.25 | 3% of payment amount + $0.65 |
| Online | EFT / E-Check | $1.00 | $2.00 |
| Phone | Credit Card | $4.50 | 3% of payment amount + $1.90 |
| Phone | E-Check | $2.25 | $3.25 |
| Phone (Operator Assistance) | Credit Card | $5.25 | 3% of payment amount + $2.65 |
| Phone (Operator Assistance) | E-Check | $3.00 | $4.00 |
These fees are charged and retained solely by Xpress Bill Pay to cover secure transaction processing costs. El Toro Water District does not receive any portion of these fees. The Xpress Bill Pay fee will appear as a separate transaction.
Important Information for Current Xpress Bill Pay Auto Pay-Customers
The District recommends reviewing your Auto Pay settings within your Xpress Bill Pay account to understand the new transaction fees that may apply. If you prefer not to pay these fees, you will need to deactivate Auto Pay through Xpress Bill Pay.
✅Free Payment Options
Avoid fees by choosing one of our no-cost payment methods:
🔄 ACH Bank Auto Draft (ETWD’s Automatic Payment Plan)
Automatically deducts your monthly payment from your checking account on the due date—no fees.
📞 Call (949) 837-0660 to enroll or download the Auto Draft Authorization Form here.
✉️ By Mail
Send a check or money order with your payment stub to:
El Toro Water District
P.O. Box 4000
Laguna Hills, CA 92654
📄In Person
Water bill payments can be made at the Customer Service office located in the ETWD Administrative office at:
El Toro Water District
24251 Los Alisos Blvd.
Lake Forest, CA 92630-5246
🕒 Office Hours:
Mon–Thu: 7:30 AM – 4:00 PM
Every other Fri: 7:30 AM – 3:00 PM (Closed alternating Fridays)
📮Drop Box
A payment drop-box is located in the ETWD parking lot for your convenience. Payments can be dropped off anytime, including after hours, weekends and/or holidays. Payments received in the drop box will be processed on the next business day. Please DO NOT place CASH in the drop box unless calling first to make a payment arrangement. Checks, money orders and cashier’s check are acceptable forms of payments for the drop box.
🧑💼 Need Help?
ETWD Customer Service:
📞 (949) 837-0660
📧 customerservice@etwd.com
🕒 Mon–Thu: 7:30 AM – 4:00 PM | Every other Fri: 7:30 AM – 3:00 PM
❓Frequently Asked Questions (FAQs)
Do I need to register with Xpress Bill Pay if I already use ETWD Auto Draft?
No. Customers enrolled in ACH Auto Draft directly do not need to register with Xpress Bill Pay unless they want to view billing history online. There are no fees for auto draft payments set up through ETWD.
Why are there fees?
It is important that only customers choosing to use the Xpress Bill Payment electronic payment services cover the associated fee, rather than distributing the cost among customers not benefiting from those payment options. This approach ensures fairness and allows those who prefer no-cost options, such as ACH auto draft payments through ETWD, to continue using them without incurring any additional charges.
How will my payment be confirmed?
All electronic payments are processed securely. You’ll receive a confirmation number at the time of payment and an email receipt. Payments post to your account shortly after completion.
How can I get more information on electronic payments, my account or technical support for the payment portal?
For questions regarding your ETWD account including charges assessed, usage or other general issues, please call ETWD customer service representatives at (949) 837-0660 during normal business hours.
I have received a service disconnect notice for being behind on my bill. Can I still pay online and have my payment posted in time?
We recommend that you make your payment at ETWD located at 24251 Los Alisos Blvd., Lake Forest by use of cash or check. We will be able to post the payment to the account immediately and remove you from the disconnect list. Payments of this type must be made prior to the final payment due date listed on the disconnect notice.
Additionally, you can make an electronic payment online through Xpress Bill Pay or by phone at 1-855-340-0589.
Is assistance available if I can’t pay my bill?
211 is a 24-hour phone referral service for individuals needing assistance with paying utility bills and many other needs. Please dial 2-1-1, call toll-free at (888) 600-4357 or visit https://211oc.org/ for more information.
