Making a Karat Card payment - Karat Help Center

Submitting a manual payment

To make a payment:

  1. On the Card dashboard, click make a payment
  2. Enter the payment amount
  3. Select the bank account the payment should be processed from

Updating autopay bank accounts

Karat Standard Card

To change the bank account used for monthly repayment:

  1. In the Karat dashboard, go to Settings > Credit Card
  2. Locate the Autopay Account section
  3. Use the dropdown to select a different linked bank account

Changes will apply to future autopay withdrawals. If your desired account is not listed, you may need to link it first under Connections.

Karat Max Card

Max Card members manage two autopay accounts — a primary and a backup — from the Karat Max section of the rewards page. To update either account:

  1. Go to the Karat Max section on your rewards page
  2. Open the autopay selection modal
  3. Choose a bank and account for your primary autopay (set this to Karat Banking for 3x rewards)
  4. Choose a bank and account for your backup autopay (used when your primary has insufficient funds)

You can also connect a new bank account directly from the modal. For more details on how autopay affects your reward rate, see How to earn rewards.

You cannot set Karat Banking as both your primary and backup autopay account. If you already selected it as your primary, choose a different bank for backup.

Setting Karat Banking as autopay before approval

If you have applied for Karat Banking but your application is still being reviewed, you can pre-select Karat Banking as your primary or backup autopay account. When you open the autopay modal, Karat Banking appears as an option with a Pending badge. Select it and confirm your choice. Your preference is saved automatically, and Karat Banking will be set as your autopay account as soon as your application is approved — no further action is needed.

What happens if your autopay bank connection is deleted

If the bank connection used for autopay is invalidated, autopay is automatically paused. You will see a red warning banner when you open Connections indicating that the autopay connection needs attention.

To resume autopay:

  1. Go to Settings > Connections
  2. Select the bank marked with a red error icon
  3. Click Connect [bank name] to create a new connection through Plaid
  4. After connecting, select a checking account to use for autopay

You can also switch autopay to a different already-connected bank under Settings > Credit Card.

Reconnect your bank promptly to avoid missed payments. If autopay remains paused through a billing cycle, you may need to submit a manual payment to stay current.