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Automating Bill Pay (Recurring Expenses)

Written by Ari Schlacht
Updated over 4 months ago

When we talk about bill pay in Sequence, there are two main categories:

  • Liabilities: larger loans like credit cards, mortgages, or auto loans (covered in the

  • Recurring expenses: everyday bills like subscriptions, rent, utilities, and taxes.

This page is about the second group - the bills that come around every month, like clockwork.


The 3 Ways to Automate Recurring Bill Pay

Each method depends on how your provider (your landlord, subscription service, or utility company) accepts payments.

1. Top-Up Pod + Debit Card

  • Create a Pod dedicated to one expense (e.g. Netflix, Spotify, or your phone bill).

  • Add a rule to automatically top it up with the right amount needed.

  • Issue a debit card from that Pod, and link it to your subscription or service.

  • Every month, the Pod is ready with exactly what’s needed to be debited.


2. Top-Up Pod + Direct Debit (ACH)

  • Same as above, but instead of using a card, your provider pulls funds directly from the Pod.

  • Give them the Pod’s routing & account number to set this up.

  • This method works well for things like rent, utilities, or taxes.


3. Sequence Pushes the Funds (Destination Accounts)

  • For providers that don’t pull funds, you can have Sequence send money out directly.

  • To do this, first add a destination account:

    • Click the + button → Add Destination and enter your provider’s payment details.

  • Then, create a rule to move the right amount on schedule.

  • This works great for things like sending rent to a landlord’s account or paying a service that can’t auto-debit.


Why use the Pods to Pay Expenses?

  • Keep funds organized by tying each expense to its own Pod.

  • Avoid a fluctuating bank account by making sure every recurring bill is dealt with separately.

  • Securely exposes 1 time debit cards to expenses that you can cancel anytime

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