Creating and sending an invoice - Karat Help Center

Start a new invoice

Go to: Banking > Invoices > Create Invoice You’ll first select or create a recipient.

• Select an existing recipient by searching by name or email, and click Continue
• Add a new recipient by clicking Add recipient, then enter recipient name, email, and optional mailing address. Recipient addresses can be domestic or international. Click Add recipient, then Continue.

After selecting a recipient, you can optionally add CC recipients. Toggle Add CC recipients to include additional email addresses that will receive a copy of the invoice email and any reminders. Enter email addresses separated by commas or press Enter after each one.

Add invoice details

On the Invoice details screen, you can:

• Confirm or edit the invoice number
• Add an optional PO number
• Add line items (description, quantity, unit price)
• Click Add Line Item to include more items

The total updates automatically. Click Continue.

Set payment terms

On the Payment terms screen, you can:

• Set the invoice date and due date
• Add a memo for the payer
• Add payment instructions

If you need to receive payments via international wire transfer, check Include international wire details. When enabled, the invoice displays both ACH/domestic wire details and international wire details (SWIFT/BIC code, bank name, and bank address) so recipients outside the US can send payment. Click Continue.

Review and send

On the Review and send screen, you can:

• Preview the full invoice
• Confirm invoice and due dates
• Review billing and sender details
• Confirm ACH and wire instructions

If the recipient has automatic reconciliation enabled, the invoice will include their unique virtual account number for payment tracking. Under Email Delivery, you can choose who receives the invoice by email:

• Send invoice email to recipient — enabled by default. Uncheck this if you want to generate the invoice without emailing the recipient (for example, if you plan to share it manually). If you added CC recipients in the first step, they are listed here as well.
• Include yourself as a recipient — enabled by default. Sends a copy of the invoice to your email address.

Click Create & send email to deliver the invoice. If you uncheck both email options, the button changes to Generate invoice and the invoice is created without sending any emails.

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.