Many providers offer discounts for Autopay, where you link a card or bank account that automatically withdraws money every month. A similar, or combined, discount is for Paperless Billing, where you receive your bill statement online rather than a physical copy of your bill in the mail. We generally think these discounts are a good idea, so we’ll recommend them for applicable providers. However, the details vary by provider.
What’s the deal with Autopay?
Providers like you to be on automatic payments because it means that they’re more likely to get paid in full, on time every month. So, they’ll offer a discount to motivate you to do it.
How do I turn on Autopay or Paperless Billing?
This will vary by provider, but almost all providers will let you do this in your online account. You can also do it over the phone. Your online account will likely have a Billing section, with a Setting or Preferences subsection. You can generally find the details there. If you don’t, you can just google “how to turn on autopay for whateverprovidersname.” You can always just get in touch with us and we’ll give you provider specific instructions.
I already turned on Autopay, but I’m not getting the discount. Why not?
The most common reason is that some companies won’t give you a discount if you use a credit card with Autopay. So, you’ll have to switch to a debit card or ACH (bank payments.) The reason for this is that companies pay higher processing fees on credit cards, so they don’t make as much money. They want you to use a method that’s cheaper for them. A potential downside is that you might lose out on miles or cashback on your credit card. However, most Autopay discounts are around $10/mo, which is more than most credit card rewards would be. That’s why we generally recommend making the switch.
What are the upsides and downsides of Autopay and Paperless Billing?
The advantage to Autopay is convenience—you don’t have to actively write a check or log in to your account every month. For Paperless, the advantage is mostly just environmental since you generate less waste. Some people prefer less clutter as well. The advantage to both from our perspective is that they come with discounts that help you save money, which is what we’re all about.
The real disadvantage to both is that you run the risk of not paying close attention to your bills. Instead of receiving a paper bill, reviewing it, and then having to write a check—a process where you might notice changes or discrepancies—the whole thing happens automatically behind the scenes. That means that price increases, fees, or billing errors can slip through unnoticed.
Should I do Autopay and Paperless Billing?
That’s a personal decision, but we generally recommend that you do. The primary downside—that you might get overcharged since you don’t pay close attention—is solved if you’re working with us. Since BillFixers can automatically renegotiate every year with AutoFix, we’ll catch price increases or unused equipment charges. Of course, you should still review your bill now and then, but generally speaking the risk is mostly alleviated and you save extra money. If you aren’t sure if it makes sense, we’re always happy to give advice!