## 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](https://help.trykarat.com/cards/karat-card/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.