Making a Karat Card payment

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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
4. Submit the payment

After you submit, a confirmation reads Payment submitted for processing. If the payment can’t be submitted, the message reads Payment could not be processed. Please check your bank connection and try again. Review your bank connection, then submit the payment again.

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Paying from a bank with an expired connection

If a bank connection has expired, that bank still appears in the account dropdown labeled (reconnect required). Selecting it shows a warning that the connection has expired, and the Submit payment button stays disabled until you reconnect. To reconnect without leaving the payment flow:

1. In the payment window, select the bank labeled (reconnect required)
2. Click Manage accounts in the warning that appears
3. Follow the prompts to reconnect the bank through Plaid
4. Return to the payment form and submit your payment

Expired bank connections with no accounts that can be used for payments are hidden from the dropdown entirely. Reconnect them under Settings > Connections before making a manual payment. For more details, see Manage connected bank accounts and social accounts.

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Updating autopay bank accounts

To change the bank account used for monthly repayment:

1. In the Karat dashboard, go to Settings > Charge 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.

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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 > Charge Card. _{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.}