These are the two main questions that should solve your problem. What plan are you on? Does your phone have all the requirements to send texts on publicmobile network?
There are 2 ways to remove auto-pay: 1. Call 611 on your phone and and then press 5 (add or remove auto-pay) 2. Go to your self serve account and go to myaccount and login, go to my payment, manange auto payment and disable it from there.