In Sequence, there are two types of liabilities:
Non-manual liabilities: Sequence sends funds directly to your provider (like a credit card or loan company). When you see funds moving into a liability block in your Money Map, those dollars are actually going straight to the provider.
Manual liabilities: These are used when your provider doesn’t allow third-party payments, meaning Sequence can’t send funds to them directly. Instead, Sequence sets up an indirect flow:
How Manual Liabilities Work
Sequence deposits the funds into a designated holding Pod - think of this as a temporary basket for your payment.
Then, your provider pulls the funds from that Pod, using its routing and account numbers, which you provide to them.
So while it may look like Sequence is paying the liability, we’re actually just putting the money in place, and your provider finishes the job by pulling it out.
Bonus: Manual liabilities are extremely reliable — since Sequence isn’t directly connected to your provider’s system, you won’t experience disconnections like you might with standard bank links.
How to Set Up Payments for a Manual Liability
To make sure your provider can collect funds from the holding Pod:
Go to your provider’s payment settings.
Set up AutoPay or scheduled payments.
Choose to pay from an external account.
Input the routing and account numbers of the holding Pod (see below).
Where to Find Routing & Account Numbers
To locate the payment details for a manual liability:
Click into the liability block in your Money Map.
You’ll see two balances:
Current Balance (what you owe)
Sequence Account Balance (what’s in the holding Pod)
Just below the Sequence Account Balance, you’ll find:
Beneficiary name (who the Pod is registered under)
Routing number
Account number
Use these details when setting up your AutoPay with the provider.