Which makes me realize that a definition of "auto pay" might be worth discussing.
I think @W2R is referring to ACH transfers, which are originated by the payee for "whatever they feel they are owed." I dislike and avoid ACH because it is completely out of my control. ("Automated Clearing House")
My autopays from Schwab involve the payee electronically sending a bill to Schwab, my getting an email notice of the bill amount, and Schwab automatically paying the bill unless I intervene during the grace period. I have two bills where the vendor can't submit electronically: our lake home telehone/internet and our home ISP/internet. The ISP bill is the same every month so I just have Schwab send them a fixed monthly check. The lake bill varies by a few pennies but I send a fixed monthly amount and adjust any cumulative variations by tweeking the payment a few cents once or twice a year. Only my county taxes go by ACH, since I have no option.