# Karat Help Center

## Docs

- [Welcome to the Karat Help Center](https://help.trykarat.com/getting-started/welcome-to-the-karat-help-center.md)
- [What you can do with Karat](https://help.trykarat.com/getting-started/what-you-can-do-with-karat.md)
- [Navigating your dashboard](https://help.trykarat.com/getting-started/navigating-your-dashboard.md)
- [Add funds to your account](https://help.trykarat.com/getting-started/add-funds-to-your-account.md)
- [Set up direct deposit from creator platforms](https://help.trykarat.com/getting-started/set-up-direct-deposit.md)
- [Download mobile app](https://help.trykarat.com/mobile-app/download-mobile-app.md): Download the Karat app to manage your accounts, cards, and transfers from your phone.
- [Start spending with your card](https://help.trykarat.com/getting-started/create-your-first-card.md)
- [Understanding your subscription plan](https://help.trykarat.com/getting-started/understanding-your-subscription-plan.md)
- [Inviting teammates to your account](https://help.trykarat.com/getting-started/inviting-teammates-to-your-account.md)
- [Managing multiple checking accounts](https://help.trykarat.com/getting-started/managing-multiple-checking-accounts.md)
- [Managing multiple accounts in the mobile app](https://help.trykarat.com/mobile-app/managing-multiple-accounts-in-mobile-app.md): View, create, and switch between multiple checking accounts from the Karat mobile app.
- [Connect your accounting software](https://help.trykarat.com/getting-started/connecting-accounting-software.md)
- [Refer a business and earn rewards](https://help.trykarat.com/getting-started/refer-a-business-and-earn-rewards.md)
- [Who is eligible for Karat](https://help.trykarat.com/applying/who-is-eligible-for-karat.md)
- [What is Karat Banking](https://help.trykarat.com/applying/karat-banking/what-is-karat-banking.md)
- [How to apply to Karat Banking](https://help.trykarat.com/applying/karat-banking/what-is-karat-banking-and-how-to-apply.md)
- [What is Karat Card](https://help.trykarat.com/applying/karat-card/what-is-karat-card.md)
- [How to apply for the Karat Card](https://help.trykarat.com/applying/karat-card/how-to-apply-for-the-karat-card.md)
- [Linking your bank accounts](https://help.trykarat.com/applying/karat-card/linking-your-bank-accounts.md)
- [Gathering your documents](https://help.trykarat.com/applying/gathering-your-documents.md)
- [Company address requirements](https://help.trykarat.com/applying/company-address-requirements.md)
- [Social platform verification during application](https://help.trykarat.com/applying/social-verification-during-application.md)
- [What happens after you apply](https://help.trykarat.com/applying/how-long-approval-takes.md)
- [Reapplying after a declined application](https://help.trykarat.com/applying/reapplying-after-a-declined-application.md)
- [Where do I find my account and routing number](https://help.trykarat.com/move-money/where-do-i-find-my-account-and-routing-number.md)
- [Send money from Karat Banking](https://help.trykarat.com/move-money/send-money-from-karat-banking.md)
- [Transfer funds between Checking and ATP](https://help.trykarat.com/move-money/transfer-funds-between-checking-and-atp.md)
- [Manage recurring transfers](https://help.trykarat.com/move-money/manage-recurring-transfers.md)
- [Sending and receiving money in mobile app](https://help.trykarat.com/mobile-app/sending-and-receiving-money-in-mobile-app.md): Add money to your Karat account or send transfers to others using the Karat app.
- [Transfer processing times and cutoffs](https://help.trykarat.com/move-money/transfer-processing-times-and-cutoffs.md)
- [What happens if a transfer fails](https://help.trykarat.com/move-money/what-happens-if-a-transfer-fails.md)
- [Switching to Karat Banking](https://help.trykarat.com/move-money/switching-to-karat-banking.md)
- [Update your subscriptions after switching](https://help.trykarat.com/move-money/update-your-subscriptions-to-karat-banking.md)
- [Add notes to banking transactions](https://help.trykarat.com/move-money/add-notes-to-banking-transactions.md)
- [Disputing a transaction](https://help.trykarat.com/move-money/disputing-a-transaction.md)
- [Creating cards](https://help.trykarat.com/cards/creating-banking-and-credit-cards.md)
- [Physical card production and shipping](https://help.trykarat.com/cards/physical-card-production-and-shipping.md)
- [Replace, freeze, or cancel a card](https://help.trykarat.com/cards/replacing-cards.md)
- [Why was my card declined](https://help.trykarat.com/cards/why-was-my-card-declined.md)
- [Managing cards in the mobile app](https://help.trykarat.com/mobile-app/managing-cards-in-mobile-app.md): View card details, freeze or cancel cards, add cards to Apple Wallet, and make credit card payments from the Karat app.
- [Banking fees](https://help.trykarat.com/cards/banking-card/banking-fees.md)
- [Current APY rates](https://help.trykarat.com/cards/banking-card/current-apy-rates.md)
- [Using your Banking Card at ATMs](https://help.trykarat.com/cards/banking-card/using-your-banking-card-at-atms.md)
- [Billing cycle and due dates](https://help.trykarat.com/cards/karat-card/billing-cycle-and-due-date.md)
- [Making a Karat Card payment](https://help.trykarat.com/cards/karat-card/making-a-payment.md)
- [Deferred payment fee](https://help.trykarat.com/cards/karat-card/deferred-payment-fee.md)
- [What happens if I don’t repay my balance](https://help.trykarat.com/cards/karat-card/what-happens-if-i-dont-repay.md)
- [Account review after late or returned payments](https://help.trykarat.com/cards/karat-card/account-review-after-late-or-returned-payments.md)
- [Credit reporting for the Karat Card](https://help.trykarat.com/cards/karat-card/credit-reporting-for-the-karat-card.md)
- [Request a credit limit increase](https://help.trykarat.com/cards/karat-card/request-a-credit-limit-increase.md)
- [Karat Card rewards basics](https://help.trykarat.com/cards/karat-card/karat-card-rewards-basics.md)
- [Standard Card rewards](https://help.trykarat.com/cards/karat-card/standard-card-rewards.md)
- [Max Card rewards](https://help.trykarat.com/cards/karat-card/max-card-rewards.md)
- [How to redeem rewards](https://help.trykarat.com/cards/karat-card/how-to-redeem-rewards.md)
- [Invoicing overview](https://help.trykarat.com/invoicing/invoicing-overview.md)
- [Creating and sending an invoice](https://help.trykarat.com/invoicing/creating-and-sending-an-invoice.md)
- [Managing recipients](https://help.trykarat.com/invoicing/managing-recipients.md)
- [Automatic invoice payment reconciliation](https://help.trykarat.com/invoicing/automatic-invoice-payment-reconciliation.md): Track invoice payments automatically with virtual account numbers
- [Customizing your invoice template](https://help.trykarat.com/invoicing/customizing-your-invoice-template.md)
- [Exporting invoices](https://help.trykarat.com/invoicing/exporting-invoices.md): Download your invoices as a CSV file for record-keeping or accounting
- [What is Karat Payments?](https://help.trykarat.com/payments/what-is-karat-payments.md)
- [How to access Payments](https://help.trykarat.com/payments/how-to-access-payments.md)
- [Send money with Payments](https://help.trykarat.com/payments/send-money-with-payments.md): Send individual or bulk Karat Payments by CSV, track batches in the dashboard, download remittance PDFs, and record off-platform payments.
- [Marking payments as reimbursements](https://help.trykarat.com/payments/marking-payments-as-reimbursements.md): Classify Karat Payments as reimbursements to exclude them from 1099-NEC totals and tax thresholds, via the send form, bulk CSV, or row menu.
- [Managing recipients in Payments](https://help.trykarat.com/payments/managing-recipients.md): View, filter, and export your Karat Payments recipients by payout method, onboarding status, or search term, and download a CSV with tax forms.
- [Payments fees](https://help.trykarat.com/payments/payments-fees.md)
- [Receiving money with Payments](https://help.trykarat.com/payments/receiving-money-with-payments.md)
- [Completing tax information for Payments](https://help.trykarat.com/payments/completing-tax-information.md)
- [Accessing tax documents](https://help.trykarat.com/payments/accessing-tax-documents.md): Download W-9, W-8, and 1099-MISC/NEC tax forms from your Karat Payments account, and learn how reimbursements affect 1099-NEC totals.
- [Supported countries for Payments](https://help.trykarat.com/payments/supported-countries.md): Country-by-country list of Karat Payments payout availability, including local bank rails, PayPal, and crypto support for 100+ destinations.
- [Karat Payouts API overview](https://help.trykarat.com/developers/introduction.md): Send payouts to creators and contractors, manage recipients and tax forms, and react to payment events in real time with the Karat Payout API.
- [Authentication](https://help.trykarat.com/developers/authentication.md): Authenticate requests to the Karat Payout API by passing your API key as a bearer token, and manage keys from the Karat dashboard.
- [Environments](https://help.trykarat.com/developers/environments.md): Connect to the Karat Payout API base URL and request sandbox access to test your integration before sending real money to recipients.
- [Idempotency](https://help.trykarat.com/developers/idempotency.md): Use idempotency keys to safely retry Karat Payout API batch requests after network errors without creating duplicate payments or recipients.
- [Pagination & errors](https://help.trykarat.com/developers/pagination-and-errors.md): Page through Karat Payout API list endpoints with limit and offset, and handle the standard HTTP status codes and error response shape.
- [Sandbox testing](https://help.trykarat.com/developers/sandbox-testing.md): Drive payouts to specific statuses and simulate error conditions in the Karat sandbox using pre-configured test recipient email addresses.
- [Webhooks](https://help.trykarat.com/developers/webhooks.md): Subscribe to Karat Payout API events, verify webhook signatures with your signing secret, and react to payout and tax form updates in real time.
- [List payments](https://help.trykarat.com/api-reference/payments/list-payments.md): Returns a paginated list of payment intents for your organization. Supports filtering by recipient, batch, and reference.
- [Create a payment batch](https://help.trykarat.com/api-reference/payments/create-a-payment-batch.md): Creates one or more payouts in a single batch. Each payout targets a recipient by either `payeeEmail` or `recipientId` (exactly one). Pass an `idempotencyKey` to safely retry the request.
- [Get a payment](https://help.trykarat.com/api-reference/payments/get-a-payment.md): Retrieves a single payment intent by its ID.
- [Cancel a payment](https://help.trykarat.com/api-reference/payments/cancel-a-payment.md): Cancels a pending payment intent. The request must not include a body.
- [List recipients](https://help.trykarat.com/api-reference/recipients/list-recipients.md): Returns a paginated list of recipients for your organization. Each recipient includes lifetime earnings totals (paid, pending, held, in cents) and a summary of their current payment method. When a recipient has shared tax information with your organization, `profile` contains payee-provided names an…
- [Add recipients](https://help.trykarat.com/api-reference/recipients/add-recipients.md): Creates one or more recipients. Each recipient receives an onboarding URL they can use to complete their profile and (optionally) tax information.
- [Get a recipient](https://help.trykarat.com/api-reference/recipients/get-a-recipient.md): Retrieves a single recipient by its ID, including lifetime earnings totals (paid, pending, held, in cents) and a summary of their current payment method. When the recipient has shared tax information with your organization, `profile` contains payee-provided names and address information. Otherwise,…
- [List recipient W-9 forms](https://help.trykarat.com/api-reference/tax/list-recipient-w-9-forms.md): Returns a paginated list of W-9 forms collected for a recipient, newest first.
- [Get a W-9 download link](https://help.trykarat.com/api-reference/tax/get-a-w-9-download-link.md): Returns a time-limited URL to download the PDF for a specific W-9 form.
- [List external payments](https://help.trykarat.com/api-reference/external-payments/list-external-payments.md): Returns a paginated list of external payments (payments recorded in Karat but settled outside of Karat).
- [Create external payments](https://help.trykarat.com/api-reference/external-payments/create-external-payments.md): Records one or more external payments in a single batch (max 100). Each payment targets a recipient by `payeeEmail` or `recipientId`.
- [Get an external payment](https://help.trykarat.com/api-reference/external-payments/get-an-external-payment.md)
- [Update an external payment](https://help.trykarat.com/api-reference/external-payments/update-an-external-payment.md): Updates one or more fields on an external payment. All fields are optional; only provided fields are changed.
- [Cancel an external payment](https://help.trykarat.com/api-reference/external-payments/cancel-an-external-payment.md)
- [Get an external payment receipt](https://help.trykarat.com/api-reference/external-payments/get-an-external-payment-receipt.md): Returns a time-limited URL to download the receipt for an external payment.
- [Upload an external payment receipt](https://help.trykarat.com/api-reference/external-payments/upload-an-external-payment-receipt.md): Uploads a receipt file (base64-encoded) for an external payment.
- [List event types](https://help.trykarat.com/api-reference/webhooks/list-event-types.md): Returns the webhook event types you can subscribe to.
- [List webhook subscriptions](https://help.trykarat.com/api-reference/webhooks/list-webhook-subscriptions.md)
- [Create a webhook subscription](https://help.trykarat.com/api-reference/webhooks/create-a-webhook-subscription.md): Subscribes a callback URL to a webhook event type. Use `GET /events` to discover valid `event_name` values.
- [Delete a webhook subscription](https://help.trykarat.com/api-reference/webhooks/delete-a-webhook-subscription.md)
- [Payout updated](https://help.trykarat.com/api-reference/payout-updated.md): Sent to your subscribed `callback_url` whenever a payout's status changes. Verify the `X-Karat-Signature` header before processing — see the Webhooks guide.
- [Tax form created](https://help.trykarat.com/api-reference/tax-form-created.md): Sent when a recipient completes a tax form. Verify the `X-Karat-Signature` header before processing — see the Webhooks guide.
- [Recipient updated](https://help.trykarat.com/api-reference/recipient-updated.md): Sent as a recipient moves through onboarding (`onboarding_started`, `tax_info_collected`, `onboarding_completed`). Each milestone is sent at most once per onboarding invitation, and `tax_info_collected` is never sent for recipients with tax collection disabled. Verify the `X-Karat-Signature` header…
- [Updating your account information](https://help.trykarat.com/account-settings/updating-your-account-information.md): Manage personal details, Karat Premium subscription, security settings, mailing address, and account owners from Settings in your Karat dashboard.
- [Switching between organizations](https://help.trykarat.com/account-settings/switching-between-organizations.md)
- [User roles and permissions](https://help.trykarat.com/account-settings/user-roles-and-permissions.md)
- [Manage connected bank accounts and social accounts](https://help.trykarat.com/account-settings/manage-connected-bank-accounts-and-social-accounts.md)
- [Connect Karat to other apps](https://help.trykarat.com/account-settings/connect-karat-to-other-apps.md)
- [Set transaction alerts for your Karat Card](https://help.trykarat.com/account-settings/set-transaction-alerts-for-your-karat-card.md)
- [Set up inbound transfer notifications](https://help.trykarat.com/account-settings/set-up-inbound-transfer-notifications.md)
- [View and request Banking limits](https://help.trykarat.com/account-settings/manage-recurring-transfers-for-karat-banking.md)
- [Export Karat Banking statements, documents, and transactions](https://help.trykarat.com/account-settings/export-banking-transactions-and-download-documents.md)
- [Export Karat Card statements and transactions](https://help.trykarat.com/account-settings/export-card-transactions-and-download-statements.md)
- [Manage bookkeeping settings and connected accounts](https://help.trykarat.com/account-settings/manage-bookkeeping-sms-settings-and-connected-accounts.md)
- [How to cancel Karat Premium subscription](https://help.trykarat.com/account-settings/how-to-cancel-karat-premium-subscription.md)
- [Understanding account closures and access restrictions](https://help.trykarat.com/account-settings/understanding-account-closures-and-access-restrictions.md)
- [Lost or stolen Card & suspected fraud](https://help.trykarat.com/account-settings/fraud.md)
- [Closing your Karat account](https://help.trykarat.com/account-settings/closing-your-karat-account.md)
- [Holidays and bank closures (2026)](https://help.trykarat.com/account-settings/holidays-and-bank-closures-2026.md)
- [SOC 2 Compliance](https://help.trykarat.com/account-settings/soc-2-compliance.md)
- [Contact us](https://help.trykarat.com/account-settings/contact-us.md)

## OpenAPI Specs

- [openapi](https://help.trykarat.com/api-reference/openapi.json)