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  <url>
    <loc>https://help.trykarat.com/account-settings/closing-your-karat-account</loc>
    <lastmod>2026-09-03T20:56:23.558Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/account-settings/connect-karat-to-other-apps</loc>
    <lastmod>2026-09-03T20:56:23.557Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/account-settings/contact-us</loc>
    <lastmod>2026-09-03T20:56:23.562Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/account-settings/export-banking-transactions-and-download-documents</loc>
    <lastmod>2026-09-03T20:56:23.562Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/account-settings/export-card-transactions-and-download-statements</loc>
    <lastmod>2026-09-03T20:56:23.552Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/fraud</loc>
    <lastmod>2026-09-03T20:56:23.552Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/holidays-and-bank-closures-2026</loc>
    <lastmod>2026-09-03T20:56:23.551Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/how-to-cancel-karat-premium-subscription</loc>
    <lastmod>2026-09-03T20:56:23.550Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/manage-bookkeeping-sms-settings-and-connected-accounts</loc>
    <lastmod>2026-09-03T20:56:23.550Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/manage-connected-bank-accounts-and-social-accounts</loc>
    <lastmod>2026-09-03T20:56:23.620Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/manage-recurring-transfers-for-karat-banking</loc>
    <lastmod>2026-09-03T20:56:23.622Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/set-transaction-alerts-for-your-karat-card</loc>
    <lastmod>2026-09-03T20:56:23.543Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/set-up-inbound-transfer-notifications</loc>
    <lastmod>2026-09-03T20:56:23.547Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/soc-2-compliance</loc>
    <lastmod>2026-09-03T20:56:23.549Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/switching-between-organizations</loc>
    <lastmod>2026-09-03T20:56:23.540Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/understanding-account-closures-and-access-restrictions</loc>
    <lastmod>2026-09-03T20:56:23.537Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/updating-your-account-information</loc>
    <lastmod>2026-08-14T16:08:01.110Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/user-roles-and-permissions</loc>
    <lastmod>2026-09-03T20:56:23.545Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/account/get-account-balance</loc>
    <lastmod>2026-09-03T20:56:15.945Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/account/list-payout-source-accounts</loc>
    <lastmod>2026-09-03T20:56:15.933Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/cancel-an-external-payment</loc>
    <lastmod>2026-09-03T20:56:16.167Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/create-external-payments</loc>
    <lastmod>2026-09-03T20:56:16.129Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/get-an-external-payment</loc>
    <lastmod>2026-09-03T20:56:16.144Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/get-an-external-payment-receipt</loc>
    <lastmod>2026-09-03T20:56:16.178Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/list-external-payments</loc>
    <lastmod>2026-09-03T20:56:16.118Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/update-an-external-payment</loc>
    <lastmod>2026-09-03T20:56:16.153Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/upload-an-external-payment-receipt</loc>
    <lastmod>2026-09-03T20:56:16.188Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payments/cancel-a-payment</loc>
    <lastmod>2026-09-03T20:56:16.026Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payments/create-a-payment-batch</loc>
    <lastmod>2026-09-03T20:56:15.979Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payments/get-a-payment</loc>
    <lastmod>2026-09-03T20:56:16.006Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payments/get-fee-analytics</loc>
    <lastmod>2026-09-03T20:56:15.990Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payments/list-payments</loc>
    <lastmod>2026-09-03T20:56:15.963Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payments/update-a-payments-reimbursement-classification</loc>
    <lastmod>2026-09-03T20:56:16.016Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payout-updated</loc>
    <lastmod>2026-09-03T20:56:16.246Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/recipient-updated</loc>
    <lastmod>2026-09-03T20:56:16.267Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/recipients/add-recipients</loc>
    <lastmod>2026-09-03T20:56:16.063Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/recipients/get-a-recipient</loc>
    <lastmod>2026-09-03T20:56:16.073Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/recipients/list-recipients</loc>
    <lastmod>2026-09-03T20:56:16.053Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/tax-form-created</loc>
    <lastmod>2026-09-03T20:56:16.256Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/tax/get-a-w-9-download-link</loc>
    <lastmod>2026-09-03T20:56:16.095Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/tax/list-recipient-w-9-forms</loc>
    <lastmod>2026-09-03T20:56:16.083Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/webhooks/create-a-webhook-subscription</loc>
    <lastmod>2026-09-03T20:56:16.222Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/webhooks/delete-a-webhook-subscription</loc>
    <lastmod>2026-09-03T20:56:16.236Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/webhooks/list-event-types</loc>
    <lastmod>2026-09-03T20:56:16.198Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/webhooks/list-webhook-subscriptions</loc>
    <lastmod>2026-09-03T20:56:16.212Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/company-address-requirements</loc>
    <lastmod>2026-09-03T20:56:23.548Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/gathering-your-documents</loc>
    <lastmod>2026-09-03T20:56:23.556Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/how-long-approval-takes</loc>
    <lastmod>2026-09-03T20:56:23.544Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/karat-banking/what-is-karat-banking</loc>
    <lastmod>2026-09-03T20:56:23.547Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/karat-banking/what-is-karat-banking-and-how-to-apply</loc>
    <lastmod>2026-09-03T20:56:23.546Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/karat-card/how-to-apply-for-the-karat-card</loc>
    <lastmod>2026-09-03T20:56:23.554Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/karat-card/linking-your-bank-accounts</loc>
    <lastmod>2026-09-03T20:56:23.556Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/karat-card/what-is-karat-card</loc>
    <lastmod>2026-09-03T20:56:23.553Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/reapplying-after-a-declined-application</loc>
    <lastmod>2026-09-03T20:56:23.539Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/social-verification-during-application</loc>
    <lastmod>2026-09-03T20:56:23.538Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/who-is-eligible-for-karat</loc>
    <lastmod>2026-09-03T20:56:23.541Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/banking-card/banking-fees</loc>
    <lastmod>2026-09-03T20:56:23.555Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/banking-card/current-apy-rates</loc>
    <lastmod>2026-09-03T20:56:23.543Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/banking-card/using-your-banking-card-at-atms</loc>
    <lastmod>2026-09-03T20:56:23.537Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/creating-banking-and-credit-cards</loc>
    <lastmod>2026-09-03T20:56:23.231Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/account-review-after-late-or-returned-payments</loc>
    <lastmod>2026-09-03T20:56:23.230Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/billing-cycle-and-due-date</loc>
    <lastmod>2026-09-03T20:56:23.229Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/credit-reporting-for-the-karat-card</loc>
    <lastmod>2026-09-03T20:56:23.237Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/deferred-payment-fee</loc>
    <lastmod>2026-09-03T20:56:23.224Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/how-to-redeem-rewards</loc>
    <lastmod>2026-09-03T20:56:23.236Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/karat-card-rewards-basics</loc>
    <lastmod>2026-09-03T20:56:23.223Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/making-a-payment</loc>
    <lastmod>2026-09-03T20:56:23.222Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/max-card-rewards</loc>
    <lastmod>2026-09-03T20:56:23.220Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/request-a-credit-limit-increase</loc>
    <lastmod>2026-09-03T20:56:23.219Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/standard-card-rewards</loc>
    <lastmod>2026-09-03T20:56:23.218Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/what-happens-if-i-dont-repay</loc>
    <lastmod>2026-09-03T20:56:23.217Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/physical-card-production-and-shipping</loc>
    <lastmod>2026-09-03T20:56:23.216Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/replacing-cards</loc>
    <lastmod>2026-09-03T20:56:23.215Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/why-was-my-card-declined</loc>
    <lastmod>2026-09-03T20:56:23.214Z</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/fee-reporting</loc>
    <lastmod>2026-09-01T00:20:51.889Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/developers/idempotency</loc>
    <lastmod>2026-09-03T20:56:23.212Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/developers/introduction</loc>
    <lastmod>2026-07-20T21:42:58.978Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/developers/pagination-and-errors</loc>
    <lastmod>2026-09-03T20:56:23.228Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/developers/sandbox-testing</loc>
    <lastmod>2026-08-16T21:14:58.847Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/developers/webhooks</loc>
    <lastmod>2026-08-18T18:04:08.218Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/add-funds-to-your-account</loc>
    <lastmod>2026-09-03T20:56:23.196Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/connecting-accounting-software</loc>
    <lastmod>2026-09-03T20:56:23.211Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/create-your-first-card</loc>
    <lastmod>2026-09-03T20:56:23.210Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/inviting-teammates-to-your-account</loc>
    <lastmod>2026-09-03T20:56:23.198Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/managing-multiple-checking-accounts</loc>
    <lastmod>2026-09-03T20:56:23.200Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/navigating-your-dashboard</loc>
    <lastmod>2026-09-03T20:56:23.197Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/refer-a-business-and-earn-rewards</loc>
    <lastmod>2026-09-03T20:56:23.203Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/set-up-direct-deposit</loc>
    <lastmod>2026-09-03T20:56:23.200Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/understanding-your-subscription-plan</loc>
    <lastmod>2026-09-03T20:56:23.202Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/welcome-to-the-karat-help-center</loc>
    <lastmod>2026-09-03T20:56:23.192Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/what-you-can-do-with-karat</loc>
    <lastmod>2026-09-03T20:56:23.205Z</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>2026-09-03T20:56:23.193Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/invoicing/customizing-your-invoice-template</loc>
    <lastmod>2026-09-03T20:56:23.084Z</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>2026-09-03T20:56:23.082Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/invoicing/managing-recipients</loc>
    <lastmod>2026-09-03T20:56:23.089Z</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>2026-09-03T20:56:22.676Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/disputing-a-transaction</loc>
    <lastmod>2026-09-03T20:56:22.675Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/manage-recurring-transfers</loc>
    <lastmod>2026-09-03T20:56:22.674Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/send-money-from-karat-banking</loc>
    <lastmod>2026-09-03T20:56:22.672Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/switching-to-karat-banking</loc>
    <lastmod>2026-09-03T20:56:22.671Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/transfer-funds-between-checking-and-atp</loc>
    <lastmod>2026-09-03T20:56:22.670Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/transfer-processing-times-and-cutoffs</loc>
    <lastmod>2026-09-03T20:56:22.669Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/update-your-subscriptions-to-karat-banking</loc>
    <lastmod>2026-09-03T20:56:22.668Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/what-happens-if-a-transfer-fails</loc>
    <lastmod>2026-09-03T20:56:22.679Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/where-do-i-find-my-account-and-routing-number</loc>
    <lastmod>2026-09-03T20:56:22.664Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/payments/accessing-tax-documents</loc>
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  </url>

  <url>
    <loc>https://help.trykarat.com/payments/completing-tax-information</loc>
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  </url>

  <url>
    <loc>https://help.trykarat.com/payments/how-to-access-payments</loc>
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  </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>
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  </url>

  <url>
    <loc>https://help.trykarat.com/payments/payments-fees</loc>
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  </url>

  <url>
    <loc>https://help.trykarat.com/payments/receiving-money-with-payments</loc>
    <lastmod>2026-09-03T20:56:22.659Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/payments/send-money-with-payments</loc>
    <lastmod>2026-06-16T17:26:00.226Z</lastmod>
  </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>2026-09-03T20:56:22.660Z</lastmod>
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</urlset>