Auto Payments are a way to pay your bills with a credit card automatically on the due date. It's similar to direct debit except you don't have to contact the biller to setup your card, change your card or change it's expiry date. You can do all of that in Payreq. You can also set up debit limits so if a bill comes with a higher amount due than expected, it won't be automatically paid and we will notify you by email. E.g. if you set a debit limit of $500 and you get a bill for $600, that bill will not be paid automatically and you will receive an email notification. 

If, for some reason, the payment fails, you will immediately receive an email letting you know. This allows you to still pay the bill the same day using either a different card through Payreq or resolving the issue on your current card and trying the payment again.