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  <url>
    <loc>https://help.trykarat.com/public/account-settings/closing-your-karat-account</loc>
    <lastmod>2026-04-30T15:09:38.890Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/connect-karat-to-other-apps</loc>
    <lastmod>2026-04-30T15:09:38.889Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/public/account-settings/contact-us</loc>
    <lastmod>2026-04-30T15:09:38.891Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/public/account-settings/export-banking-transactions-and-download-documents</loc>
    <lastmod>2026-04-30T15:09:38.892Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/public/account-settings/export-card-transactions-and-download-statements</loc>
    <lastmod>2026-04-30T15:09:38.895Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/public/account-settings/fraud</loc>
    <lastmod>2026-04-30T15:09:38.893Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/holidays-and-bank-closures-2026</loc>
    <lastmod>2026-04-30T15:09:38.886Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/how-to-cancel-karat-premium-subscription</loc>
    <lastmod>2026-04-30T15:09:38.894Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/manage-bookkeeping-sms-settings-and-connected-accounts</loc>
    <lastmod>2026-04-30T15:09:38.887Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/public/account-settings/manage-connected-bank-accounts-and-social-accounts</loc>
    <lastmod>2026-04-30T15:09:38.922Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/public/account-settings/manage-recurring-transfers-for-karat-banking</loc>
    <lastmod>2026-04-30T15:09:38.919Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/public/account-settings/set-transaction-alerts-for-your-karat-card</loc>
    <lastmod>2026-04-30T15:09:38.928Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/public/account-settings/set-up-inbound-transfer-notifications</loc>
    <lastmod>2026-04-30T15:09:38.922Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/soc-2-compliance</loc>
    <lastmod>2026-04-30T15:09:38.925Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/switching-between-organizations</loc>
    <lastmod>2026-04-30T15:09:38.924Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/public/account-settings/understanding-account-closures-and-access-restrictions</loc>
    <lastmod>2026-04-30T15:09:38.923Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/updating-your-account-information</loc>
    <lastmod>2026-04-30T15:09:38.927Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/user-roles-and-permissions</loc>
    <lastmod>2026-04-30T15:09:38.921Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/company-address-requirements</loc>
    <lastmod>2026-04-30T15:09:38.920Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/gathering-your-documents</loc>
    <lastmod>2026-04-30T15:09:38.955Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/how-long-approval-takes</loc>
    <lastmod>2026-04-30T15:09:38.959Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/karat-banking/what-is-karat-banking</loc>
    <lastmod>2026-04-30T15:09:38.960Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/public/applying/karat-banking/what-is-karat-banking-and-how-to-apply</loc>
    <lastmod>2026-04-30T15:09:38.961Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/public/applying/karat-card/how-to-apply-for-the-karat-card</loc>
    <lastmod>2026-04-30T15:09:38.956Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/karat-card/linking-your-bank-accounts</loc>
    <lastmod>2026-04-30T15:09:38.958Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/public/applying/karat-card/untitled-page</loc>
    <lastmod>2026-04-30T14:33:39.782Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/public/applying/karat-card/what-is-karat-card</loc>
    <lastmod>2026-04-30T15:09:38.944Z</lastmod>
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    <loc>https://help.trykarat.com/public/applying/reapplying-after-a-declined-application</loc>
    <lastmod>2026-04-30T15:09:38.957Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/public/applying/social-verification-during-application</loc>
    <lastmod>2026-04-30T15:09:38.954Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/who-is-eligible-for-karat</loc>
    <lastmod>2026-04-30T15:09:38.999Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/banking-card/banking-fees</loc>
    <lastmod>2026-04-30T15:09:38.997Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/public/cards/banking-card/current-apy-rates</loc>
    <lastmod>2026-04-30T15:09:38.998Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/banking-card/using-your-banking-card-at-atms</loc>
    <lastmod>2026-04-30T15:09:38.995Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/public/cards/creating-banking-and-credit-cards</loc>
    <lastmod>2026-04-30T15:09:38.991Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/account-review-after-late-or-returned-payments</loc>
    <lastmod>2026-04-30T15:09:38.993Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/billing-cycle-and-due-date</loc>
    <lastmod>2026-04-30T15:09:38.994Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/credit-reporting-for-the-karat-card</loc>
    <lastmod>2026-04-30T15:09:38.992Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/deferred-payment-fee</loc>
    <lastmod>2026-04-30T15:09:38.993Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/how-to-redeem-rewards</loc>
    <lastmod>2026-04-30T15:09:38.990Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/karat-card-rewards-basics</loc>
    <lastmod>2026-04-30T15:09:39.035Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/making-a-payment</loc>
    <lastmod>2026-04-30T15:09:39.036Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/max-card-rewards</loc>
    <lastmod>2026-04-30T15:09:39.041Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/request-a-credit-limit-increase</loc>
    <lastmod>2026-04-30T15:09:39.035Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/standard-card-rewards</loc>
    <lastmod>2026-04-30T15:09:39.032Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/what-happens-if-i-dont-repay</loc>
    <lastmod>2026-04-30T15:09:39.033Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/physical-card-production-and-shipping</loc>
    <lastmod>2026-04-30T15:09:39.037Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/replacing-cards</loc>
    <lastmod>2026-04-30T15:09:39.031Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/why-was-my-card-declined</loc>
    <lastmod>2026-04-30T15:09:39.039Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/add-funds-to-your-account</loc>
    <lastmod>2026-04-30T15:09:39.135Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/connecting-accounting-software</loc>
    <lastmod>2026-04-30T15:09:39.146Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/create-your-first-card</loc>
    <lastmod>2026-04-30T15:09:39.142Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/inviting-teammates-to-your-account</loc>
    <lastmod>2026-04-30T15:09:39.137Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/managing-multiple-checking-accounts</loc>
    <lastmod>2026-04-30T15:09:39.140Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/navigating-your-dashboard</loc>
    <lastmod>2026-04-30T15:09:39.143Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/refer-a-business-and-earn-rewards</loc>
    <lastmod>2026-04-30T15:09:39.138Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/set-up-direct-deposit</loc>
    <lastmod>2026-04-30T15:09:39.133Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/understanding-your-subscription-plan</loc>
    <lastmod>2026-04-30T15:09:39.173Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/welcome-to-the-karat-help-center</loc>
    <lastmod>2026-04-30T15:09:39.180Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/what-you-can-do-with-karat</loc>
    <lastmod>2026-04-30T15:09:39.175Z</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>2026-04-30T15:09:39.184Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/invoicing/customizing-your-invoice-template</loc>
    <lastmod>2026-04-30T15:09:39.201Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/invoicing/exporting-invoices</loc>
    <lastmod>2026-04-13T17:34:43.556Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/invoicing/invoicing-overview</loc>
    <lastmod>2026-04-30T15:09:39.179Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/invoicing/managing-recipients</loc>
    <lastmod>2026-04-30T15:09:39.174Z</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>2026-04-30T15:09:39.557Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/disputing-a-transaction</loc>
    <lastmod>2026-04-30T15:09:39.560Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/manage-recurring-transfers</loc>
    <lastmod>2026-04-30T15:09:39.561Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/send-money-from-karat-banking</loc>
    <lastmod>2026-04-30T15:09:39.556Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/switching-to-karat-banking</loc>
    <lastmod>2026-04-30T15:09:39.555Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/transfer-funds-between-checking-and-atp</loc>
    <lastmod>2026-04-30T15:09:39.554Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/transfer-processing-times-and-cutoffs</loc>
    <lastmod>2026-04-30T15:09:39.551Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/update-your-subscriptions-to-karat-banking</loc>
    <lastmod>2026-04-30T15:09:39.552Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/what-happens-if-a-transfer-fails</loc>
    <lastmod>2026-04-30T15:09:39.553Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/where-do-i-find-my-account-and-routing-number</loc>
    <lastmod>2026-04-30T15:09:39.592Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/accessing-tax-documents</loc>
    <lastmod>2026-04-30T15:09:39.591Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/completing-tax-information</loc>
    <lastmod>2026-04-30T15:09:39.590Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/how-to-access-payments</loc>
    <lastmod>2026-04-30T15:09:39.589Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/payments-fees</loc>
    <lastmod>2026-04-30T15:09:39.588Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/receiving-money-with-payments</loc>
    <lastmod>2026-04-30T15:09:39.586Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/send-money-with-payments</loc>
    <lastmod>2026-04-30T15:09:39.587Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/supported-countries</loc>
    <lastmod>2026-04-30T15:09:39.594Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/what-is-karat-payments</loc>
    <lastmod>2026-04-30T15:09:39.613Z</lastmod>
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