Export Karat Card statements and transactions - Karat Help Center

Download Card statements

1. In the app, navigate to Credit Card
2. Select the Statements page from the left navigation
3. Locate the month you need
4. Under the Download column, click the desired report type

Available formats may vary depending on the report selected.

Export Card transactions

1. Go to Credit Card > Transactions
2. Click Export to download all card transactions as CSV

Transaction status definitions

Below are the statuses you may see in your transaction list and what each one means.

Capture

The transaction has been approved and fully processed. The charge has been finalized and is included in your current balance.

Pending

The transaction has been authorized and is still processing. For purchases, pending transactions typically clear within 2 to 3 business days. For payments made toward your Karat balance, pending payments typically clear within 3 to 5 business days. While a transaction is pending, the final amount may still change.

Reversed

The transaction was previously approved but has been reversed by the merchant. Reversals are initiated by the merchant, not Karat. If you have questions about a reversal, we recommend contacting the merchant directly.

Declined

The transaction was not approved. Common reasons include: Insufficient available spending limit, suspected fraud, incorrect verification details, and merchant processing errors. If a payment toward your Karat account is declined, you will receive an email with additional details.

Refunded

The merchant issued a refund for a completed purchase. Refunds typically appear on your account within a few business days after the merchant processes them. If this status appears on a payment toward your Karat account, it may indicate that the payment could not be completed and the funds were returned to your bank account.

Processed

This status applies to payments made toward your Karat balance. It means the payment has fully cleared and your account balance has been updated.

On your Card dashboard page, you may see the following balance fields:

• Balanced owed: The remaining balance from the previous month that has not yet been paid.
• Current spend: The total amount spent during the current billing cycle.
• Pending spend: The total amount of authorized transactions that have not yet cleared.
• Spend limit: The approved spending limit for your account.

Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank, N.A., Member FDIC. The Karat Visa® Business Credit Card is issued by Cross River Bank, Member FDIC, and pursuant to a license from Visa️ USA.