Financial systems
How a $2 Texas Toll Becomes a $48 Bill
See how a $2 billed toll grows to $37 with NTTA, $23 with Harris County or $48 with the Central Texas Mobility Authority, and why the number of invoices matters.

A $2 toll left unpaid on one invoice can become $37 through the North Texas Tollway Authority’s ZipCash notices, $23 under Harris County’s ordinary collection schedule or $48 through the Central Texas Regional Mobility Authority’s Pay By Mail process. The biggest difference is who sent the bill and how many invoices they sent. NTTA’s ZipCash schedule · Harris County’s April 2026 policy, Schedule C · Mobility Authority’s nonpayment schedule
The bill grows at each notice
The starting $2 is the toll the agency billed. A $2 toll advertised for a tag holder can already cost more before fees if the tag does not register. The table assumes one unpaid toll on one invoice, with no other trips, payments, waivers or a court case. NTTA’s Pay Your Bill page · Mobility Authority’s toll FAQ
| Agency | First bill | First escalation | Next escalation | Ordinary collection balance |
|---|---|---|---|---|
| NTTA ZipCash | $2 | $12 after the $10 first-notice fee | $37 after the $25 second-notice fee | $37 |
| Harris County Toll Road Authority | $13 with a $10 invoice fee and $1 county fine | $13 if a courtesy notice is sent without a new fee | $23 with the $10 collection fee after the 60-day mailing period | $23 |
| Central Texas Regional Mobility Authority | $3 with a $1 processing fee | $18 at 30 days past due | $33 at 60 days past due | $48 at 90 days past due |
NTTA gives drivers 25 days to pay each notice. The actual date the next notice goes out determines the balance on a particular day. Harris County’s policy measures its 60 days from mailing. The Mobility Authority’s schedule measures lateness from the bill’s due date. NTTA ZipCash · Harris County invoicing policy, §§2–6 and Schedule C · Mobility Authority nonpayment schedule
Five trips can become five bills
Five unpaid $2 tolls on one invoice reach $45 under NTTA’s published schedule, $35 under the Harris County written schedule and $56 at the Mobility Authority. If the same tolls appear on five separate invoices and all five reach collections, the totals are $185, $115 and $240. The tolls still add up to $10 in either case. The invoice fees are what multiply. NTTA ZipCash · Harris County invoicing policy, Schedule C · Mobility Authority nonpayment schedule
Harris County’s written schedule adds a $1 county fine per unpaid event and generally applies the $10 administration and $10 collection charges per invoice. A public meeting described $21 of fees per monthly invoice. Without a current invoice containing several unpaid events, the written schedule is the basis for the five-trip example. The one-trip example is the same either way. April 2026 adopted policy, §§2–6 and Schedule C · February 26, 2026 county meeting
An old TxTag bill follows a different rule
On November 9, 2024, HCTRA took over toll processing for covered TxDOT roads in the Austin and Houston regions. Those trips use the successor billing arrangement. TxDOT still handles outstanding TxTag balances from before that date, and the Central Texas Regional Mobility Authority still bills travel on its own roads. Look up the trip date before comparing two invoices with different names. TxDOT’s billing guidance · TxDOT legacy-balance contact
State limits vary by toll system and billing situation. The $48 cap over 12 months in §228.0547 applies to an administrative fee in certain department invoices. Under §228.059, a qualifying public toll entity that sends the first invoice under a tolling-services agreement can use its own fee schedule. A collection referral, a criminal case, an administrative hearing and a registration refusal follow different processes. Texas Transportation Code §§228.0547 and 228.059 · Texas Transportation Code, Chapter 372
What the agencies expect to collect
NTTA ended fiscal 2025 with $841.6 million in billed video toll receivables across its System and Non-System Fund. Its allowance for bills it did not expect to collect was $702.8 million, or about 84% of the gross amount, leaving $138.8 million on the books. The comparable 2024 figures were $774.4 million gross and $140.1 million net. The balance went up while the amount NTTA expected to collect went down. NTTA FY2025 annual report, Note 10, PDF p. 74 · NTTA FY2024 annual report, Note 10
An allowance is an accounting estimate across accounts. It tells you how much of the outstanding balance the agency expects to recover. The individual invoice and the agency’s authority still need to be checked. Harris County also reports substantial allowances, but its receivable category includes credit-card settlements and toll violations. Adding the agencies’ totals would mix balances with different coverage. NTTA FY2025 annual report, Note 10 · Harris County Toll Road Enterprise Fund FY2025 report, Note 3
How we got this
I checked published fee schedules, the April 2026 Harris County policy, the state statutes and the fiscal 2024 and 2025 NTTA statements. The calculations apply one fee at each documented step. The examples exclude court, hearing and enforcement costs triggered later. For a bill that looks wrong, request the list of toll transactions, the original invoice, the notice dates and the name of the fee on each line. Compare the plate, road, date and time with your tag history. Those records tell you whether you’re paying for a second trip, a second invoice or a second notice. NTTA billing · HCTRA policy, §4 · Mobility Authority dispute instructions
Sources
- NTTA’s ZipCash schedule
- Harris County’s April 2026 policy, Schedule C
- Mobility Authority’s nonpayment schedule
- Mobility Authority’s toll FAQ
- February 26, 2026 county meeting
- TxDOT’s billing guidance
- TxDOT legacy-balance contact
- Texas Transportation Code §§228.0547 and 228.059
- Texas Transportation Code, Chapter 372
- NTTA FY2025 annual report, Note 10, PDF p. 74
- NTTA FY2024 annual report, Note 10
- Harris County Toll Road Enterprise Fund FY2025 report, Note 3
- Mobility Authority dispute instructions
Supporting material
- Article table · The bill grows at each notice ↗The rows printed in this article as a CSV file.