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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>
    <lastmod>2026-10-05T20:16:52.782Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/contact-us</loc>
    <lastmod>2026-10-05T20:16:52.790Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/account-settings/export-banking-transactions-and-download-documents</loc>
    <lastmod>2026-10-05T20:16:52.789Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/export-card-transactions-and-download-statements</loc>
    <lastmod>2026-10-05T20:16:52.802Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/fraud</loc>
    <lastmod>2026-10-05T20:16:52.796Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/holidays-and-bank-closures-2026</loc>
    <lastmod>2026-10-05T20:16:52.800Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/how-to-cancel-karat-premium-subscription</loc>
    <lastmod>2026-10-05T20:16:52.801Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/manage-bookkeeping-sms-settings-and-connected-accounts</loc>
    <lastmod>2026-10-05T20:16:52.783Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/manage-connected-bank-accounts-and-social-accounts</loc>
    <lastmod>2026-10-05T20:16:52.793Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/manage-recurring-transfers-for-karat-banking</loc>
    <lastmod>2026-10-05T20:16:52.784Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/set-transaction-alerts-for-your-karat-card</loc>
    <lastmod>2026-10-05T20:16:52.792Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/set-up-inbound-transfer-notifications</loc>
    <lastmod>2026-10-05T20:16:52.799Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/soc-2-compliance</loc>
    <lastmod>2026-10-05T20:16:52.800Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/switching-between-organizations</loc>
    <lastmod>2026-10-05T20:16:52.785Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/understanding-account-closures-and-access-restrictions</loc>
    <lastmod>2026-10-05T20:16:52.785Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/updating-your-account-information</loc>
    <lastmod>2026-09-03T23:54:12.883Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/user-roles-and-permissions</loc>
    <lastmod>2026-10-05T20:16:52.795Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/account/get-account-balance</loc>
    <lastmod>2026-10-05T20:16:47.700Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/account/list-account-transactions</loc>
    <lastmod>2026-10-05T20:16:47.686Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/account/list-payout-source-accounts</loc>
    <lastmod>2026-10-05T20:16:47.667Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/cancel-an-external-payment</loc>
    <lastmod>2026-10-05T20:16:47.935Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/create-external-payments</loc>
    <lastmod>2026-10-05T20:16:47.883Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/get-an-external-payment</loc>
    <lastmod>2026-10-05T20:16:47.902Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/get-an-external-payment-receipt</loc>
    <lastmod>2026-10-05T20:16:48.015Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/list-external-payments</loc>
    <lastmod>2026-10-05T20:16:47.870Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/update-an-external-payment</loc>
    <lastmod>2026-10-05T20:16:47.916Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/upload-an-external-payment-receipt</loc>
    <lastmod>2026-10-05T20:16:48.039Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/invoices/cancel-an-invoice</loc>
    <lastmod>2026-10-05T20:16:48.161Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/invoices/create-an-invoice</loc>
    <lastmod>2026-10-05T20:16:48.133Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/invoices/get-an-invoice</loc>
    <lastmod>2026-10-05T20:16:48.146Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/invoices/get-an-invoice-pdf-link</loc>
    <lastmod>2026-10-05T20:16:48.176Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/invoices/list-invoices</loc>
    <lastmod>2026-10-05T20:16:48.119Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/invoices/send-an-invoice-reminder</loc>
    <lastmod>2026-10-05T20:16:48.189Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payments/cancel-a-payment</loc>
    <lastmod>2026-10-05T20:16:47.789Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payments/create-a-payment-batch</loc>
    <lastmod>2026-10-05T20:16:47.729Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payments/get-a-payment</loc>
    <lastmod>2026-10-05T20:16:47.756Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payments/get-fee-analytics</loc>
    <lastmod>2026-10-05T20:16:47.743Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payments/list-payments</loc>
    <lastmod>2026-10-05T20:16:47.715Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payments/update-a-payments-reimbursement-classification</loc>
    <lastmod>2026-10-05T20:16:47.775Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payout-updated</loc>
    <lastmod>2026-10-05T20:16:48.278Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/pending-transaction-completed</loc>
    <lastmod>2026-10-05T20:16:48.264Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/pending-transaction-created</loc>
    <lastmod>2026-10-05T20:16:48.207Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/recipient-updated</loc>
    <lastmod>2026-10-05T20:16:48.306Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/recipients/add-recipients</loc>
    <lastmod>2026-10-05T20:16:47.815Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/recipients/get-a-recipient</loc>
    <lastmod>2026-10-05T20:16:47.828Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/recipients/list-recipients</loc>
    <lastmod>2026-10-05T20:16:47.802Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/tax-form-created</loc>
    <lastmod>2026-10-05T20:16:48.291Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/tax/get-a-w-9-download-link</loc>
    <lastmod>2026-10-05T20:16:47.855Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/tax/list-recipient-w-9-forms</loc>
    <lastmod>2026-10-05T20:16:47.842Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/transaction-posted</loc>
    <lastmod>2026-10-05T20:16:48.244Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/transaction-updated</loc>
    <lastmod>2026-10-05T20:16:48.226Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/webhooks/create-a-webhook-subscription</loc>
    <lastmod>2026-10-05T20:16:48.083Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/webhooks/delete-a-webhook-subscription</loc>
    <lastmod>2026-10-05T20:16:48.102Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/webhooks/list-event-types</loc>
    <lastmod>2026-10-05T20:16:48.053Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/webhooks/list-webhook-subscriptions</loc>
    <lastmod>2026-10-05T20:16:48.070Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/company-address-requirements</loc>
    <lastmod>2026-10-05T20:16:52.792Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/gathering-your-documents</loc>
    <lastmod>2026-10-05T20:16:52.794Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/how-long-approval-takes</loc>
    <lastmod>2026-10-05T20:16:52.788Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/karat-banking/what-is-karat-banking</loc>
    <lastmod>2026-10-05T20:16:52.791Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/karat-banking/what-is-karat-banking-and-how-to-apply</loc>
    <lastmod>2026-10-05T20:16:52.794Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/karat-card/how-to-apply-for-the-karat-card</loc>
    <lastmod>2026-10-05T20:16:52.791Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/karat-card/linking-your-bank-accounts</loc>
    <lastmod>2026-10-05T20:16:52.790Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/karat-card/what-is-karat-card</loc>
    <lastmod>2026-10-05T20:16:52.793Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/reapplying-after-a-declined-application</loc>
    <lastmod>2026-10-05T20:16:52.787Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/social-verification-during-application</loc>
    <lastmod>2026-10-05T20:16:52.797Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/who-is-eligible-for-karat</loc>
    <lastmod>2026-10-05T20:16:52.782Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/banking-card/banking-fees</loc>
    <lastmod>2026-10-05T20:16:52.787Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/banking-card/current-apy-rates</loc>
    <lastmod>2026-10-05T20:16:52.786Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/banking-card/using-your-banking-card-at-atms</loc>
    <lastmod>2026-10-05T20:16:52.786Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/creating-banking-and-credit-cards</loc>
    <lastmod>2026-10-05T20:16:52.784Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/account-review-after-late-or-returned-payments</loc>
    <lastmod>2026-10-05T20:16:52.789Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/billing-cycle-and-due-date</loc>
    <lastmod>2026-10-05T20:16:52.457Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/credit-reporting-for-the-karat-card</loc>
    <lastmod>2026-10-05T20:16:52.461Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/deferred-payment-fee</loc>
    <lastmod>2026-09-25T16:07:53.801Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/how-to-redeem-rewards</loc>
    <lastmod>2026-10-03T00:11:11.790Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/karat-card-rewards-basics</loc>
    <lastmod>2026-10-03T00:11:11.798Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/making-a-payment</loc>
    <lastmod>2026-10-05T20:16:52.485Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/request-a-credit-limit-increase</loc>
    <lastmod>2026-10-05T20:16:52.466Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/what-happens-if-i-dont-repay</loc>
    <lastmod>2026-10-05T20:16:52.461Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/physical-card-production-and-shipping</loc>
    <lastmod>2026-10-05T20:16:52.486Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/replacing-cards</loc>
    <lastmod>2026-10-05T20:16:52.449Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/why-was-my-card-declined</loc>
    <lastmod>2026-10-05T20:16:52.464Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/developers/account-transactions</loc>
    <lastmod>2026-10-05T20:16:52.486Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/developers/authentication</loc>
    <lastmod>2026-09-03T23:54:12.822Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/developers/environments</loc>
    <lastmod>2026-09-03T23:54:12.793Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/developers/fee-reporting</loc>
    <lastmod>2026-09-03T23:54:12.799Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/developers/idempotency</loc>
    <lastmod>2026-09-03T23:54:12.804Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/developers/introduction</loc>
    <lastmod>2026-10-05T20:16:52.484Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/developers/invoices</loc>
    <lastmod>2026-10-05T17:08:09.627Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/developers/pagination-and-errors</loc>
    <lastmod>2026-10-05T20:16:52.462Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/developers/sandbox-testing</loc>
    <lastmod>2026-09-03T23:54:12.788Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/developers/webhooks</loc>
    <lastmod>2026-10-05T20:16:52.453Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/add-funds-to-your-account</loc>
    <lastmod>2026-10-05T20:16:52.453Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/connecting-accounting-software</loc>
    <lastmod>2026-10-05T20:16:52.451Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/create-your-first-card</loc>
    <lastmod>2026-10-05T20:16:52.456Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/inviting-teammates-to-your-account</loc>
    <lastmod>2026-10-05T20:16:52.467Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/managing-multiple-checking-accounts</loc>
    <lastmod>2026-10-05T20:16:52.468Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/navigating-your-dashboard</loc>
    <lastmod>2026-10-05T20:16:52.450Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/refer-a-business-and-earn-rewards</loc>
    <lastmod>2026-10-05T20:16:52.459Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/set-up-direct-deposit</loc>
    <lastmod>2026-10-05T20:16:52.455Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/understanding-your-subscription-plan</loc>
    <lastmod>2026-10-05T20:16:52.456Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/welcome-to-the-karat-help-center</loc>
    <lastmod>2026-10-05T20:16:52.452Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/what-you-can-do-with-karat</loc>
    <lastmod>2026-10-05T20:16:52.452Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/invoicing/automatic-invoice-payment-reconciliation</loc>
    <lastmod>2026-09-03T23:54:12.797Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/invoicing/creating-and-sending-an-invoice</loc>
    <lastmod>2026-10-05T20:16:52.454Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/invoicing/customizing-your-invoice-template</loc>
    <lastmod>2026-10-05T20:16:52.459Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/invoicing/exporting-invoices</loc>
    <lastmod>2026-09-04T16:10:25.178Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/invoicing/invoicing-overview</loc>
    <lastmod>2026-10-05T20:16:52.363Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/invoicing/managing-recipients</loc>
    <lastmod>2026-10-05T20:16:52.369Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/mobile-app/download-mobile-app</loc>
    <lastmod>2026-10-03T00:11:11.628Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/mobile-app/managing-cards-in-mobile-app</loc>
    <lastmod>2026-10-03T00:11:11.622Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/mobile-app/managing-multiple-accounts-in-mobile-app</loc>
    <lastmod>2026-10-03T00:11:11.630Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/mobile-app/sending-and-receiving-money-in-mobile-app</loc>
    <lastmod>2026-09-03T23:54:12.643Z</lastmod>
  </url>

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