User roles and permissions - Karat Help Center

Banking user roles & permissions

Each role has different access levels within Banking. See the breakdown below.

Permission	Admin	Manager	Employee	Accountant
Apply for Banking	✅	❌	❌	❌
View account balances	✅ All	✅ All	✅	✅ All
View transactions	✅ All	✅ All	✅ Own only	✅ All
Add transaction notes	✅ All	✅ All	✅ Own only	❌
Initiate money movement	✅	✅ (no limit)	✅ (Within set limit, or with approval)	❌ Can view & copy ACH details
View ACH details	✅	✅	❌	✅
View business information	✅	✅	❌	❌
Edit business information	✅	❌	❌	❌
Bookkeeping & reporting	✅	✅	❌	✅
Manage team members	✅	❌	❌	❌
Banking cards	✅ Issue & manage all	✅	Only their own	❌
Edit transfer limits	✅	❌	❌	❌
Statements	✅	✅	❌	✅
Invoices	✅	✅	❌	✅
Access ATP tools	✅	✅	❌	✅
Access perks	✅	✅	✅	✅
Bank letter	✅	✅	❌	✅
Karat Premium	Full access (opt-in, cancel, etc.)	Full access (opt-in, cancel, etc.)	❌	❌

Payments user roles & permissions

If your organization uses Karat Payments to send or receive funds, each role has specific access levels. See the breakdown below.

Permission	Admin	Manager	Employee	Accountant
View payer dashboard	✅	✅	❌	✅
Accept incoming payouts	✅	✅	✅	❌
Provide tax information	✅	✅	❌	✅
View tax information	✅	✅	❌	✅
Manage payees	✅	✅	❌	❌
Initiate payouts	✅	✅	❌	❌
View inbound payments	✅	✅	❌	✅
Update payment method	✅	✅	❌	❌
Manage API key	✅	✅	❌	❌

Card user roles & permissions

Each role has different access levels within Card. See the breakdown below.

Permission	Admin	Manager	Employee	Accountant
Apply for Credit Card	✅	❌	❌	❌
View card balances	✅ All	✅ All	✅ Own only	✅ All
View transactions	✅ All	✅ All	✅ Own only	✅ All
Initiate payments	✅	✅	❌	❌
Modify autopay account	✅	✅	❌	❌
View business information	✅	❌	❌	✅
Edit business information	✅	❌	❌	❌
Bookkeeping & reporting	✅	✅	❌	✅
Manage team members	✅	❌	❌	❌
Manage credit cards	✅	✅	✅ Own only	❌
Redeem rewards	✅	✅	❌	❌
Access perks	✅	✅	✅	✅