This is where auto-recharge should be located:
https://platform.openai.com/settings/organization/billing/overview
This forum topic at 6 hours is not the longest chain of replies with this problem; it is system-wide. Breaking issues were pushed out about 8 hours ago. You can report the ongoing issues or whether it has been resolved for you if you retry, perhaps after a toggle.
Auto-recharge absolutely should not be mandatory, and you would be wise not to leave it enabled, and frankly wise not to leave a payment method in the platform site (nor prepay more than you can afford to lose). Also wise not to pay when there are ongoing problems. That recharge feature has gone crazy before, multiple times, from backend payment system issues, and emptied people’s bank balances.