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  <url>
    <loc>https://help.trykarat.com/public/account-settings/closing-your-karat-account</loc>
    <lastmod>2026-03-26T22:48:49.903Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/connect-karat-to-other-apps</loc>
    <lastmod>2026-03-26T22:48:49.900Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/contact-us</loc>
    <lastmod>2026-03-26T22:48:49.900Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/export-banking-transactions-and-download-documents</loc>
    <lastmod>2026-04-02T18:33:19.064Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/export-card-transactions-and-download-statements</loc>
    <lastmod>2026-03-26T22:48:49.904Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/fraud</loc>
    <lastmod>2026-03-26T22:48:49.904Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/holidays-and-bank-closures-2026</loc>
    <lastmod>2026-03-26T22:48:49.903Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/how-to-cancel-karat-premium-subscription</loc>
    <lastmod>2026-03-26T22:48:49.897Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/manage-bookkeeping-sms-settings-and-connected-accounts</loc>
    <lastmod>2026-03-26T22:48:49.898Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/manage-connected-bank-accounts-and-social-accounts</loc>
    <lastmod>2026-03-26T22:48:49.925Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/manage-recurring-transfers-for-karat-banking</loc>
    <lastmod>2026-03-26T22:48:49.922Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/set-transaction-alerts-for-your-karat-card</loc>
    <lastmod>2026-03-26T22:48:49.923Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/set-up-inbound-transfer-notifications</loc>
    <lastmod>2026-04-01T05:43:20.653Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/soc-2-compliance</loc>
    <lastmod>2026-03-26T22:48:49.920Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/switching-between-organizations</loc>
    <lastmod>2026-04-01T05:43:20.650Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/understanding-account-closures-and-access-restrictions</loc>
    <lastmod>2026-03-26T22:48:49.923Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/updating-your-account-information</loc>
    <lastmod>2026-03-26T22:48:49.924Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/user-roles-and-permissions</loc>
    <lastmod>2026-04-01T05:43:20.650Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/company-address-requirements</loc>
    <lastmod>2026-03-26T22:48:49.918Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/gathering-your-documents</loc>
    <lastmod>2026-03-26T22:48:49.921Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/how-long-approval-takes</loc>
    <lastmod>2026-03-26T22:48:49.945Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/karat-banking/what-is-karat-banking</loc>
    <lastmod>2026-03-26T22:48:49.944Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/karat-banking/what-is-karat-banking-and-how-to-apply</loc>
    <lastmod>2026-03-26T22:48:49.943Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/karat-card/how-to-apply-for-the-karat-card</loc>
    <lastmod>2026-03-26T22:48:49.941Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/karat-card/linking-your-bank-accounts</loc>
    <lastmod>2026-03-26T22:48:49.942Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/karat-card/what-is-karat-card</loc>
    <lastmod>2026-03-26T22:48:49.943Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/reapplying-after-a-declined-application</loc>
    <lastmod>2026-03-26T22:48:49.939Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/social-verification-during-application</loc>
    <lastmod>2026-03-26T22:48:49.938Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/who-is-eligible-for-karat</loc>
    <lastmod>2026-03-26T22:48:49.941Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/banking-card/banking-fees</loc>
    <lastmod>2026-04-01T05:43:20.648Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/banking-card/current-apy-rates</loc>
    <lastmod>2026-03-26T22:48:49.969Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/banking-card/using-your-banking-card-at-atms</loc>
    <lastmod>2026-03-26T22:48:49.968Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/creating-banking-and-credit-cards</loc>
    <lastmod>2026-03-26T22:48:49.962Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/account-review-after-late-or-returned-payments</loc>
    <lastmod>2026-03-26T22:48:49.964Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/billing-cycle-and-due-date</loc>
    <lastmod>2026-04-01T06:13:12.913Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/credit-reporting-for-the-karat-card</loc>
    <lastmod>2026-03-26T22:48:49.961Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/deferred-payment-fee</loc>
    <lastmod>2026-03-26T22:48:49.959Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/how-to-redeem-rewards</loc>
    <lastmod>2026-03-26T22:48:49.958Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/karat-card-rewards-basics</loc>
    <lastmod>2026-03-30T21:30:08.106Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/making-a-payment</loc>
    <lastmod>2026-03-26T22:48:49.959Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/max-card-rewards</loc>
    <lastmod>2026-04-01T06:13:12.915Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/request-a-credit-limit-increase</loc>
    <lastmod>2026-04-01T05:43:20.653Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/standard-card-rewards</loc>
    <lastmod>2026-03-30T21:30:08.105Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/what-happens-if-i-dont-repay</loc>
    <lastmod>2026-03-26T22:48:49.986Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/physical-card-production-and-shipping</loc>
    <lastmod>2026-03-26T22:48:49.986Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/replacing-cards</loc>
    <lastmod>2026-03-26T22:48:49.986Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/why-was-my-card-declined</loc>
    <lastmod>2026-03-26T22:48:49.985Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/add-funds-to-your-account</loc>
    <lastmod>2026-03-26T22:48:50.004Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/connecting-accounting-software</loc>
    <lastmod>2026-03-26T22:48:50.004Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/create-your-first-card</loc>
    <lastmod>2026-03-26T22:48:50.030Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/inviting-teammates-to-your-account</loc>
    <lastmod>2026-04-01T05:43:20.646Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/navigating-your-dashboard</loc>
    <lastmod>2026-04-01T05:43:20.651Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/refer-a-business-and-earn-rewards</loc>
    <lastmod>2026-03-26T22:48:50.026Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/set-up-direct-deposit</loc>
    <lastmod>2026-04-01T05:52:48.042Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/understanding-your-subscription-plan</loc>
    <lastmod>2026-03-26T22:48:50.028Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/welcome-to-the-karat-help-center</loc>
    <lastmod>2026-03-26T22:48:50.026Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/what-you-can-do-with-karat</loc>
    <lastmod>2026-03-26T22:48:50.024Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/invoicing/automatic-invoice-payment-reconciliation</loc>
    <lastmod>2026-03-26T22:48:50.024Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/invoicing/creating-and-sending-an-invoice</loc>
    <lastmod>2026-04-01T05:43:20.647Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/invoicing/customizing-your-invoice-template</loc>
    <lastmod>2026-04-01T05:43:20.647Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/invoicing/invoicing-overview</loc>
    <lastmod>2026-04-01T05:43:20.649Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/invoicing/managing-recipients</loc>
    <lastmod>2026-04-01T05:43:20.686Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/mobile-app/download-mobile-app</loc>
    <lastmod>2026-04-01T05:32:29.292Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/mobile-app/managing-cards-in-mobile-app</loc>
    <lastmod>2026-03-26T22:48:50.193Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/mobile-app/sending-and-receiving-money-in-mobile-app</loc>
    <lastmod>2026-03-26T22:48:50.193Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/add-notes-to-banking-transactions</loc>
    <lastmod>2026-04-01T05:43:20.683Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/disputing-a-transaction</loc>
    <lastmod>2026-03-26T22:48:50.214Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/manage-recurring-transfers</loc>
    <lastmod>2026-04-01T05:43:20.684Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/send-money-from-karat-banking</loc>
    <lastmod>2026-04-02T18:44:31.095Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/switching-to-karat-banking</loc>
    <lastmod>2026-03-26T22:48:50.211Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/transfer-funds-between-checking-and-atp</loc>
    <lastmod>2026-03-26T22:48:50.212Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/transfer-processing-times-and-cutoffs</loc>
    <lastmod>2026-03-26T22:48:50.254Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/update-your-subscriptions-to-karat-banking</loc>
    <lastmod>2026-03-26T22:48:50.252Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/what-happens-if-a-transfer-fails</loc>
    <lastmod>2026-04-01T05:43:20.688Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/where-do-i-find-my-account-and-routing-number</loc>
    <lastmod>2026-03-26T22:48:50.254Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/accessing-tax-documents</loc>
    <lastmod>2026-04-01T05:43:20.687Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/completing-tax-information</loc>
    <lastmod>2026-04-01T05:43:20.672Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/how-to-access-payments</loc>
    <lastmod>2026-04-01T05:43:20.684Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/payments-fees</loc>
    <lastmod>2026-04-01T05:43:20.974Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/receiving-money-with-payments</loc>
    <lastmod>2026-04-01T23:19:20.573Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/send-money-with-payments</loc>
    <lastmod>2026-04-01T05:43:20.972Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/supported-countries</loc>
    <lastmod>2026-04-02T17:43:19.459Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/what-is-karat-payments</loc>
    <lastmod>2026-04-01T05:43:20.971Z</lastmod>
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