You win, I processed it now (damn my compulsive disorder). So everything is fixed, payments are automatic again.
To monitoring: Do you really think that sms wake up ME? Definitely not
. I have some monitoring on the pool (including http status of site), but I'm usually unawakeable.http://www.pagerduty.com/
That will integrate with several monitoring services and actually call you on the phone, over and over, until you tell it to stop or resolve the issue.
It does require a subscription fee though. :/