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  <url>
    <loc>https://help.trykarat.com/account-settings/closing-your-karat-account</loc>
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  <url>
    <loc>https://help.trykarat.com/account-settings/connect-karat-to-other-apps</loc>
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  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/contact-us</loc>
    <lastmod>2026-06-18T17:38:38.564Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/account-settings/export-banking-transactions-and-download-documents</loc>
    <lastmod>2026-06-18T17:38:38.568Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/export-card-transactions-and-download-statements</loc>
    <lastmod>2026-06-18T17:38:38.553Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/fraud</loc>
    <lastmod>2026-06-18T17:38:38.567Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/holidays-and-bank-closures-2026</loc>
    <lastmod>2026-06-18T17:38:38.566Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/how-to-cancel-karat-premium-subscription</loc>
    <lastmod>2026-06-18T17:38:38.565Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/manage-bookkeeping-sms-settings-and-connected-accounts</loc>
    <lastmod>2026-06-18T17:38:38.562Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/manage-connected-bank-accounts-and-social-accounts</loc>
    <lastmod>2026-06-18T17:38:38.567Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/manage-recurring-transfers-for-karat-banking</loc>
    <lastmod>2026-06-18T17:38:38.588Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/set-transaction-alerts-for-your-karat-card</loc>
    <lastmod>2026-06-18T17:38:38.588Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/set-up-inbound-transfer-notifications</loc>
    <lastmod>2026-06-18T17:38:38.589Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/soc-2-compliance</loc>
    <lastmod>2026-06-18T17:38:38.587Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/switching-between-organizations</loc>
    <lastmod>2026-06-18T17:38:38.586Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/understanding-account-closures-and-access-restrictions</loc>
    <lastmod>2026-06-18T17:38:38.591Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/updating-your-account-information</loc>
    <lastmod>2026-06-18T17:38:38.590Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/user-roles-and-permissions</loc>
    <lastmod>2026-06-18T17:38:38.591Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/cancel-an-external-payment</loc>
    <lastmod>2026-06-18T17:38:30.763Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/create-external-payments</loc>
    <lastmod>2026-06-18T17:37:46.769Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/get-an-external-payment</loc>
    <lastmod>2026-06-18T17:38:30.746Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/get-an-external-payment-receipt</loc>
    <lastmod>2026-06-18T17:37:46.823Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/list-external-payments</loc>
    <lastmod>2026-06-18T17:37:46.754Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/update-an-external-payment</loc>
    <lastmod>2026-06-18T17:37:46.795Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/upload-an-external-payment-receipt</loc>
    <lastmod>2026-06-18T17:37:46.855Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payments/cancel-a-payment</loc>
    <lastmod>2026-06-18T17:37:46.670Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payments/create-a-payment-batch</loc>
    <lastmod>2026-06-18T17:37:46.642Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payments/get-a-payment</loc>
    <lastmod>2026-06-18T17:37:46.656Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payments/list-payments</loc>
    <lastmod>2026-06-18T17:37:46.629Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payout-updated</loc>
    <lastmod>2026-06-18T17:37:46.923Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/recipients/add-recipients</loc>
    <lastmod>2026-06-18T17:37:46.698Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/recipients/get-a-recipient</loc>
    <lastmod>2026-06-18T17:37:46.710Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/recipients/list-recipients</loc>
    <lastmod>2026-06-18T17:37:46.684Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/tax-form-created</loc>
    <lastmod>2026-06-18T17:37:46.936Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/tax/get-a-w-9-download-link</loc>
    <lastmod>2026-06-18T17:37:46.741Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/tax/list-recipient-w-9-forms</loc>
    <lastmod>2026-06-18T17:37:46.725Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/webhooks/create-a-webhook-subscription</loc>
    <lastmod>2026-06-18T17:37:46.896Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/webhooks/delete-a-webhook-subscription</loc>
    <lastmod>2026-06-18T17:38:30.808Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/webhooks/list-event-types</loc>
    <lastmod>2026-06-18T17:37:46.869Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/webhooks/list-webhook-subscriptions</loc>
    <lastmod>2026-06-18T17:38:30.791Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/company-address-requirements</loc>
    <lastmod>2026-06-18T17:38:38.589Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/gathering-your-documents</loc>
    <lastmod>2026-06-18T17:38:38.586Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/how-long-approval-takes</loc>
    <lastmod>2026-06-18T17:38:38.612Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/karat-banking/what-is-karat-banking</loc>
    <lastmod>2026-06-18T17:38:38.613Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/karat-banking/what-is-karat-banking-and-how-to-apply</loc>
    <lastmod>2026-06-18T17:38:38.616Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/karat-card/how-to-apply-for-the-karat-card</loc>
    <lastmod>2026-06-18T17:38:38.610Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/karat-card/linking-your-bank-accounts</loc>
    <lastmod>2026-06-18T17:38:38.613Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/karat-card/what-is-karat-card</loc>
    <lastmod>2026-06-18T17:38:38.612Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/reapplying-after-a-declined-application</loc>
    <lastmod>2026-06-18T17:38:38.615Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/social-verification-during-application</loc>
    <lastmod>2026-06-18T17:38:38.611Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/who-is-eligible-for-karat</loc>
    <lastmod>2026-06-18T17:38:38.611Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/banking-card/banking-fees</loc>
    <lastmod>2026-06-18T17:38:38.614Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/banking-card/current-apy-rates</loc>
    <lastmod>2026-06-18T17:38:38.635Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/banking-card/using-your-banking-card-at-atms</loc>
    <lastmod>2026-06-18T17:38:38.637Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/creating-banking-and-credit-cards</loc>
    <lastmod>2026-06-18T17:38:38.639Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/account-review-after-late-or-returned-payments</loc>
    <lastmod>2026-06-18T17:38:38.636Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/billing-cycle-and-due-date</loc>
    <lastmod>2026-06-18T17:38:38.637Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/credit-reporting-for-the-karat-card</loc>
    <lastmod>2026-06-18T17:38:38.636Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/deferred-payment-fee</loc>
    <lastmod>2026-06-18T17:38:38.640Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/how-to-redeem-rewards</loc>
    <lastmod>2026-06-18T17:38:38.634Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/karat-card-rewards-basics</loc>
    <lastmod>2026-06-18T17:38:38.633Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/making-a-payment</loc>
    <lastmod>2026-06-18T17:38:38.634Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/max-card-rewards</loc>
    <lastmod>2026-06-18T17:38:38.658Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/request-a-credit-limit-increase</loc>
    <lastmod>2026-06-18T17:38:38.659Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/standard-card-rewards</loc>
    <lastmod>2026-06-18T17:38:38.659Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/what-happens-if-i-dont-repay</loc>
    <lastmod>2026-06-18T17:38:38.660Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/physical-card-production-and-shipping</loc>
    <lastmod>2026-06-18T17:38:38.661Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/replacing-cards</loc>
    <lastmod>2026-06-18T17:38:38.662Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/why-was-my-card-declined</loc>
    <lastmod>2026-06-18T17:38:38.660Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/developers/authentication</loc>
    <lastmod>2026-06-18T17:37:51.782Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/developers/environments</loc>
    <lastmod>2026-06-18T17:37:51.781Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/developers/idempotency</loc>
    <lastmod>2026-06-18T17:37:51.785Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/developers/introduction</loc>
    <lastmod>2026-06-18T17:37:51.783Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/developers/pagination-and-errors</loc>
    <lastmod>2026-06-18T17:37:51.783Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/developers/sandbox-testing</loc>
    <lastmod>2026-06-18T17:37:51.785Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/developers/webhooks</loc>
    <lastmod>2026-06-18T17:37:51.784Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/add-funds-to-your-account</loc>
    <lastmod>2026-06-18T17:38:38.705Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/connecting-accounting-software</loc>
    <lastmod>2026-06-18T17:38:38.706Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/create-your-first-card</loc>
    <lastmod>2026-06-18T17:38:38.707Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/inviting-teammates-to-your-account</loc>
    <lastmod>2026-06-18T17:38:38.727Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/managing-multiple-checking-accounts</loc>
    <lastmod>2026-06-18T17:38:38.726Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/navigating-your-dashboard</loc>
    <lastmod>2026-06-18T17:38:38.730Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/refer-a-business-and-earn-rewards</loc>
    <lastmod>2026-06-18T17:38:38.727Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/set-up-direct-deposit</loc>
    <lastmod>2026-06-18T17:38:38.729Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/understanding-your-subscription-plan</loc>
    <lastmod>2026-06-18T17:38:38.725Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/welcome-to-the-karat-help-center</loc>
    <lastmod>2026-06-18T17:38:38.728Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/what-you-can-do-with-karat</loc>
    <lastmod>2026-06-18T17:38:38.728Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/invoicing/automatic-invoice-payment-reconciliation</loc>
    <lastmod>2026-05-04T17:39:14.923Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/invoicing/creating-and-sending-an-invoice</loc>
    <lastmod>2026-06-18T17:38:38.750Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/invoicing/customizing-your-invoice-template</loc>
    <lastmod>2026-06-18T17:38:38.754Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/invoicing/exporting-invoices</loc>
    <lastmod>2026-05-04T17:39:14.930Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/invoicing/invoicing-overview</loc>
    <lastmod>2026-06-18T17:38:38.753Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/invoicing/managing-recipients</loc>
    <lastmod>2026-06-18T17:38:38.750Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/mobile-app/download-mobile-app</loc>
    <lastmod>2026-05-04T17:39:15.935Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/mobile-app/managing-cards-in-mobile-app</loc>
    <lastmod>2026-05-04T17:39:15.937Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/mobile-app/managing-multiple-accounts-in-mobile-app</loc>
    <lastmod>2026-05-20T22:30:40.498Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/mobile-app/sending-and-receiving-money-in-mobile-app</loc>
    <lastmod>2026-05-20T22:30:40.498Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/add-notes-to-banking-transactions</loc>
    <lastmod>2026-06-18T17:38:38.937Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/disputing-a-transaction</loc>
    <lastmod>2026-06-18T17:38:38.935Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/manage-recurring-transfers</loc>
    <lastmod>2026-06-18T17:38:38.933Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/send-money-from-karat-banking</loc>
    <lastmod>2026-06-18T17:38:38.979Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/switching-to-karat-banking</loc>
    <lastmod>2026-06-18T17:38:38.981Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/transfer-funds-between-checking-and-atp</loc>
    <lastmod>2026-06-18T17:38:38.979Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/transfer-processing-times-and-cutoffs</loc>
    <lastmod>2026-06-18T17:38:38.978Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/update-your-subscriptions-to-karat-banking</loc>
    <lastmod>2026-06-18T17:38:38.981Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/what-happens-if-a-transfer-fails</loc>
    <lastmod>2026-06-18T17:38:38.980Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/where-do-i-find-my-account-and-routing-number</loc>
    <lastmod>2026-06-18T17:38:38.978Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/payments/accessing-tax-documents</loc>
    <lastmod>2026-06-16T17:26:00.227Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/payments/completing-tax-information</loc>
    <lastmod>2026-06-18T17:38:39.002Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/payments/how-to-access-payments</loc>
    <lastmod>2026-06-18T17:38:39.003Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/payments/managing-recipients</loc>
    <lastmod>2026-06-12T01:51:43.673Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/payments/marking-payments-as-reimbursements</loc>
    <lastmod>2026-06-16T17:26:00.236Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/payments/payments-fees</loc>
    <lastmod>2026-06-18T17:38:39.001Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/payments/receiving-money-with-payments</loc>
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  <url>
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  </url>

  <url>
    <loc>https://help.trykarat.com/payments/supported-countries</loc>
    <lastmod>2026-06-06T17:52:43.283Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/payments/what-is-karat-payments</loc>
    <lastmod>2026-06-18T17:38:39.005Z</lastmod>
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</urlset>