Managing recipients in Payments

The Recipients tab on the Payments dashboard shows everyone you’ve added as a recipient, along with the payout method they’ve chosen and how much you’ve paid them. To open it, select Payments in the sidebar, then the Recipients tab.

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Recipients table

Each row shows:

• Name: the recipient’s display name and email
• Payment method: the payout method the recipient is currently set up to receive
• Total Payments (YTD): the total amount you’ve paid them this calendar year
• Status: where the recipient is in onboarding (for example, Active or Recipient action needed)

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Payment method values

The Payment method column reflects the recipient’s saved payout method. Possible values:

• ACH: domestic ACH bank transfer
• Bank Wire: domestic wire
• SWIFT Wire Transfer: international SWIFT wire
• Karat: paid into a Karat account
• PayPal
• International Bank Transfer: local bank transfer in the recipient’s country
• Crypto: crypto wallet payout
• —: no payout method on file yet

A recipient won’t have a payment method until they finish onboarding and select one. New recipients show a dash until they complete that step.

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How to manage tax collection settings

Use Collect tax forms to choose when Karat collects tax forms for each recipient, or select Do not collect to turn collection off. For an existing recipient:

1. Open Payments > Recipients and select the recipient.
2. Click Edit.
3. Under Collect tax forms, choose Collect now, Collect at $600, or Do not collect.
4. Save your changes.

The collection setting is editable here only while the recipient’s tax information has not been approved. You can also choose the collection setting when adding a new recipient or sending a payment to a new recipient. For what each setting means and what recipients still need to complete, see Completing tax information for Payments.

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Filtering recipients

Use the filter bar above the table to narrow the list. You can combine multiple filters at once:

• Search: find a recipient by name, nickname, or email.
• Status: show recipients in one or more onboarding states (Created, Active, Recipient action needed, Pending, Approved, Archived).
• Payment method: show only recipients on the methods you choose. Select No payment method to find recipients who still need to complete payout setup.

Active filters appear as pills above the table. Click the x on any pill to remove that filter. Tip: Filter by No payment method to find recipients who haven’t finished onboarding, then resend their invitation so payments aren’t held up.

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Archiving a recipient

Archive a recipient when you don’t want to pay them right now but might again later. Archived recipients keep all of their history and tax forms: they’re just hidden from new payment flows until you unarchive them. To archive a recipient:

1. Open Banking > Payments > Recipients.
2. Click the recipient’s row to open their details.
3. At the bottom of the recipient panel, click Archive recipient.
4. Confirm in the Archive recipient? dialog.

Once archived, the recipient:

• Is hidden from the recipient picker when creating a new payment.
• Shows an Archived status badge on the Recipients table, and only appears when you filter by Archived.
• Is blocked from CSV payment uploads: rows that match an archived recipient are flagged as errors, and you’ll need to unarchive them (or remove them from the file) before you can continue.
• Can’t be added again as a new recipient with the same email or nickname: the add-recipient form surfaces the conflict inline and prompts you to unarchive instead.

Past payments, payment history, and tax forms are all kept, and there’s no limit on how long a recipient can stay archived. To bring the recipient back, open their details from the Archived filter and click Unarchive recipient. They immediately become selectable in new payments again.

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Deleting a recipient

If you no longer want to keep a recipient on file, you can delete them from the Recipients tab.

1. Open Banking > Payments > Recipients.
2. Click the recipient’s row to open their details.
3. At the bottom of the recipient panel, click Delete recipient.
4. Confirm in the Delete recipient? dialog.

Once deleted, the recipient:

• No longer appears in the Recipients table, search, or payout recipient dropdowns when sending a payment.
• Has any unaccepted onboarding or invitation links invalidated, so they can’t finish onboarding from a previously shared link.

Existing payments and history aren’t affected: payouts you’ve already sent remain in your payment history and reporting. If you need to work with the same person again later, add them back from the Recipients tab using the same email. Re-adding reactivates the original recipient and restores their record, including past payment history.

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Adding recipients in bulk

You can add multiple recipients at once by uploading a CSV file from the Recipients tab. Download the template from the upload dialog so your column headings match. Alongside each recipient’s first name, last name, and email, the template has optional columns:

• nickname (optional): the display name shown on the Recipients table.
• send onboarding link (optional): set to true to email the recipient their onboarding link as soon as they’re created.
• collect tax forms (optional): set to false to skip tax form collection for the recipient. Defaults to true.
• **collect tax forms at $600 (optional)**: set to `true` to defer tax form collection until the recipient's year-to-date payments reach $600. Defaults to false.

The tax collection columns appear in your template only when your organization has access to those options. They accept true/false, yes/no, y/n, or 1/0 in any case, and a blank cell uses the default. Any other value fails validation, and the row must be fixed before you can continue.

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Exporting recipients

Click Export above the table to download a CSV of the recipients currently matching your filters. The export respects the search term, status filters, and payment method filters you have applied. Each row in the CSV includes the recipient’s name, email, status, payment method, year-to-date completed payments, lifetime completed payments, tax collection setting, and an onboarding link you can share if they haven’t accepted yet. You can also include the recipient’s tax forms (W-9 or W-8) as PDFs in the export by checking Include tax forms before downloading. _{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.}