> ## Documentation Index
> Fetch the complete documentation index at: https://help.trykarat.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Invoice settings

> Configure organization-wide invoice defaults from Settings > Invoices, including the automatic reconciliation toggle, logo, and sender details.

The **Settings > Invoices** page controls how invoices work across your organization. It's available to users with Banking settings access (users with read-only Banking settings can view the page but can't change values).

You can find it under: **Settings > Invoices**

## Reconciliation

The **Reconciliation** section controls whether new invoices use automatic invoice payment reconciliation by default.

* **On (default)**: New invoices are created with a unique virtual account number for the recipient. Your checking account number stays private, and Karat automatically matches incoming payments to open invoices and marks them as paid. See [Automatic invoice payment reconciliation](https://help.trykarat.com/invoicing/automatic-invoice-payment-reconciliation.md) for details.
* **Off**: New invoices skip virtual account creation and display the selected checking account details on the invoice PDF. Karat does not automatically match incoming payments to open invoices; you'll need to reconcile payments yourself.

Turning reconciliation off only affects invoices created after the change. Invoices that already have a virtual account number keep using it.

> [!NOTE]
>
> When reconciliation is on at the org level, senders can still turn it off for a specific invoice from the Payment details step of the invoice creation flow. See [Creating and sending an invoice](https://help.trykarat.com/invoicing/creating-and-sending-an-invoice.md).

## Customize

The **Customize** section (also reachable directly at **Settings > Invoices > Customize**) is where you upload your business logo and set the default sender details and payment text that appear on invoices you send. This is the same customization that used to live under Banking settings.

For a full walkthrough of these fields, see [Customizing your invoice template](https://help.trykarat.com/invoicing/customizing-your-invoice-template.md).

*<sub>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.</sub>*