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Karat collects your Business address, your Mailing address, and a Home address for each business owner. Each serves a different purpose.

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Business address

Your Business address is the physical location where your business operates. This address:
  • Must be a physical address located in the United States
  • Can be your residential address if you do not have a separate office
  • Cannot be a P.O. Box or Private Mailbox (PMB)
  • Cannot be located outside of the United States
Your Business address is used for verification and regulatory compliance purposes. This address cannot be updated directly from your dashboard. If you need to make a change, please contact us for assistance.

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Mailing address

Your Mailing address is used for shipping physical cards and other correspondence. You can update your Mailing address at any time from: Settings > General. The form loads the current list of supported countries and validates the address against the postal format for the country you select. Your Mailing address must:
  • Be a deliverable physical address in a supported country
  • Not be a P.O. Box or Private Mailbox (PMB)
International (non-U.S.) mailing addresses are supported if your products do not require U.S. shipping.

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Shipping physical Karat Charge Cards

Physical Karat Charge Cards can currently only be shipped to U.S. addresses. If your mailing address is outside the U.S., you will not be issued or mailed a physical Charge Card until you update your address to a U.S. one. When you enter a non-U.S. address and you have a physical Charge Card (or are being invited to receive one), the address form displays a notice: “Credit cards cannot currently be shipped outside the US.” If you also have a pending physical Banking card, the notice adds that your Banking card will still be shipped normally: physical Banking cards ship internationally and are unaffected by this restriction.

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Owner home address

Each business owner and officer provides a home address for identity verification. Unlike the Business address and Mailing address, an owner’s home address does not need to be in the United States. When entering the address, select the owner’s country from the country dropdown. A country, state or province, and postal code are all required. You cannot continue with the country left blank. You provide owner home addresses during onboarding and can update them at any time from: Settings > Company profile > Ownership details During onboarding, you can reuse an owner’s home address as the Business address with the Use my personal mailing address toggle. The toggle is disabled if the home address is incomplete or outside the United States. Your Business address must still be a physical U.S. address. Providing accurate address information helps avoid delays in verification and card delivery. Karat is a fintech company, not an FDIC-insured bank. Banking and Card services provided by Grasshopper Bank, N.A., First Internet Bank of Indiana, and Cross River Bank, Members FDIC.