This next comparison looks at two electricity plans that may appear similar at first glance, but are designed for very different types of customers. Both are fixed-rate plans, but one uses a prepaid structure while the other follows the more traditional postpaid model.
Prepaid 12 – Payless Power
This plan uses a prepaid fixed-rate structure. It includes a daily usage charge, but it also gives customers a monthly credit when usage stays at 500 kWh or below. That makes it especially attractive for smaller apartments, vacant properties, homes being shown for sale, or any setup with consistently low electricity usage. While the energy rate is a bit above the market average, it often remains more competitive than many recognizable brand-name plans. Another plus is the cancellation fee, which is relatively low and usually stays below $50.
Secure Advantage – Reliant
Secure Advantage is a fixed rate plan, but it includes a usage charge of $9.95 per billing cycle if you use under 800 kWh, and 0 if you are at or above 800 kWh. That makes it less attractive for apartments and smaller homes that often fall below 800 kWh.
This comparison reflects rates for Dallas (ONCOR) for terms between 12 and 23 months. However, the difference between these two plans is typically similar across other term lengths and service areas as well.
Payless Power Prepaid 12 vs Reliant Secure Advantage (Oncor)
The next table presents an estimate of the monthly bill based on your consumption. The green value in each column represents the lower rate at that usage level. Both plans are displayed one below the other so you can clearly see the difference between them. You can switch between service areas (TDUs) to compare results. This information is based on the Electricity Facts Label (EFL) for each plan in every TDU.
Estimated bill comparison (12-month)
Note on Payless Power:
With prepaid electricity, you pay in advance for the power you use. A small initial payment is required to start your account, and as you consume electricity, the cost is deducted from your balance. Clear Energy Facts recommends setting up automatic payments or alerts to avoid letting your balance drop too low. If your account reaches zero, your service can be disconnected, and reconnection fees may apply. Staying above your threshold ensures uninterrupted service and full control over your usage.
Conclusion: Which Plan Makes More Sense for Your Home?
To find the strongest value for your situation, look at the green highlighted numbers in the bill estimate table above. Those values show which plan is currently cheaper at each usage level. You can also enter your ZIP code to view the latest rates available for your area and lock in the best option for your home today. Remember, with Prepaid, you won't have to make a large deposit or pass a credit check, which is a big advantage over postpaid plans.