## Documentation Index

Fetch the complete documentation index at: [/llms.txt](https://help.trykarat.com/llms.txt)

Use this file to discover all available pages before exploring further.

Karat makes it easy to receive payouts directly from creator platforms and payment providers. To direct your earnings to Karat Banking, you’ll need to update your payout settings on each platform you use. Find your platform below for step-by-step instructions. You’ll need your Karat Banking account and routing number before you start. You can find these in your dashboard under **Banking > Account Info**.

Several platforms including X/Twitter, Kick, Fourthwall, Stan Store, and TikTok use Stripe to process payouts. If your platform isn’t listed below, look for a “Manage with Stripe” option in its payout settings and follow the Stripe steps.

### Google AdSense

1. Go to [google.com/adsense](https://www.google.com/adsense) and sign in.
2. In the left sidebar, click **Payments**, then **Payment info**.
3. Scroll to **How you get paid** and click **Manage payment methods**.
4. Click **Add payment method** and enter your Karat Banking account details: account holder name, bank name, routing number, and account number. Double-check for typos.
5. Once added, click **Set as primary** next to your new account.

Depending on your country, AdSense may deposit a small test amount to verify the account. If prompted, return to AdSense and enter the exact amount to complete verification. Payouts are typically issued between the 21st and 26th of each month, provided you meet the payment threshold.

### PayPal

1. Go to [paypal.com](https://www.paypal.com/) and log in.
2. Navigate to **Wallet** (desktop: top navigation; mobile: Menu > Wallet).
3. Click **Link a bank account**. You can link via Plaid or enter your routing and account number manually.
4. PayPal will send two small test deposits within 1-3 business days. Once they appear, return to Wallet, click your new account, then **Confirm**, and enter the deposit amounts.
5. After confirmation, set your new account as the primary withdrawal method if PayPal hasn’t done so automatically.

### Stripe

Several platforms use Stripe for payouts. There are two types of Stripe accounts depending on your platform.

**Stripe Express** (used by TikTok, Gumroad, Substack, Patreon, Teachable, Podia, Ko-fi, Fourthwall, and more)

1. Open your creator platform and go to **Payouts** or **Payment Settings**.
2. Click **Manage with Stripe** or **Access Stripe Dashboard**.
3. In Stripe Express, go to **Settings** and follow [this guide from Stripe](https://support.stripe.com/questions/update-existing-bank-account-information) to update your bank account.

**Stripe Standard** (less common)

1. Log in at [dashboard.stripe.com](https://dashboard.stripe.com/).
2. Go to **Settings > Bank accounts and scheduling**.
3. Edit your existing account or add a new one. Stripe may ask you to verify ownership.

### Patreon

1. Go to [patreon.com](https://www.patreon.com/) and log in.
2. Click your profile photo, go to **Settings**, then **Payouts and taxes** in the left sidebar.
3. Click **Edit** next to your current payout method.
4. Remove the old method if needed, then select **Add a new payout method**.
5. Choose **Direct Deposit** (U.S. only) and enter your account type, routing number, account number, bank name, and address.
6. If prompted, complete identity verification via Persona.

Payouts typically occur on the 5th of each month or on demand depending on your settings.

### Kick

Kick uses Stripe for payouts.

**Option A: Via Kick’s interface**

1. Sign in to Kick and go to **Creator Dashboard > Revenue**.
2. In the setup flow, navigate to Step 7: **Select an account for payouts**.
3. Enter your new routing number, account number, account type, and currency, then click **Save > Agree & Submit**. A confirmation email from Stripe will follow.

**Option B: Directly in Stripe**

1. Log in to your Stripe Dashboard and go to **Settings > Bank accounts and scheduling**.
2. Click **Edit** next to your payout account. You may need to verify via email, SMS, or your previous bank details.
3. Enter your new bank details and save.

Any payout already in transit will go to the old account. Future payouts will use the new one.

### X/Twitter

X uses Stripe Express for payouts.

1. Log in at [x.com](https://x.com/).
2. Click your profile picture, select **Monetization**, and choose your enrolled program.
3. Click **Payout Settings** or **View in Stripe** to open your Stripe Express dashboard.
4. In Stripe, go to **Settings > Bank accounts and scheduling**, click **Edit**, enter your new bank details, and save.

Stripe may send a confirmation or require re-verification. Make sure your account is verified to avoid payout delays.

### Fourthwall

Fourthwall uses Stripe for payouts.

1. Go to [fourthwall.com](https://fourthwall.com/) and sign in.
2. Click your profile icon, then go to **Settings > Payments**.
3. Click **Manage payout settings** to open your Stripe dashboard.
4. In Stripe, go to **Payout Settings > Bank accounts and scheduling**, then edit your existing account or add a new one.
5. Enter your new bank details and save. Stripe may require microdeposit or ID verification.

Double-check that your payout schedule is still active after making changes.

### Stan Store

Stan Store uses Stripe for payouts.

1. Go to [stan.store](https://stan.store/) and sign in.
2. Click your profile icon and select **Dashboard**.
3. In the left sidebar, go to **Earnings** or **Payout Settings**.
4. Click **Manage with Stripe** to open your Stripe dashboard.
5. Go to **Settings > Payouts and Bank Accounts**, then edit your existing account or add a new one.
6. Enter your new account number and routing number, then save. Follow any microdeposit verification steps if prompted.

### TikTok

Instructions vary depending on which TikTok program you use.

**TikTok Creator Fund / Creativity Program**

1. Open TikTok and tap your profile, then the three lines in the top-right corner.
2. Go to **Creator Tools > Balance > Withdraw**.
3. Tap **Payout Settings** to open your Tipalti or Stripe dashboard.
4. In Tipalti: go to **Payment Method** and update your bank info. In Stripe: go to **Settings > Bank accounts** and update your details.

**TikTok Shop**

1. Visit [seller.tiktokglobalshop.com](https://seller.tiktokglobalshop.com/) and log in.
2. Go to **Finance > Bank Account**.
3. Click **Edit** or **Replace**, enter your new account details, and verify your identity if prompted.

### Twitch

1. Go to [dashboard.twitch.tv/settings/revenue](https://dashboard.twitch.tv/settings/revenue) and log in.
2. Scroll to the **Onboarding** section and click **Change Payout Method**.
3. Open the Payment Methods dropdown and select **Direct Deposit / ACH**.
4. Enter your account holder name, bank name, routing number, and account number. Double-check for typos.
5. Save your changes.

Payouts are typically issued around the 15th of each month, provided you meet the payout threshold.

*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.*