No coding. I'm just one of the lucky people who has almost all forward-thinking billers who support auto-pay with a credit card. There's one exception that only allows using a bank account for auto-pay, so I pay that manually through my bank's bill pay service. I've stopped giving out my 20+ year old bank account number to any service provider, because it's no fun to close an account for fraud.

The text message alert is set up on the online banking site - I set it up to send a text message whenever there's a debit >$1. There are a few banks (Chase is one) that even offer real-time alerts where you get texted as soon as the transaction happens, but most will send the alerts at some time of the day. It's a shame that more banks don't implement and advertise that feature to prevent fraud. To me it's comforting to get a text as soon as the card gets swiped.