<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:news="http://www.google.com/schemas/sitemap-news/0.9" xmlns:xhtml="http://www.w3.org/1999/xhtml" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xmlns:video="http://www.google.com/schemas/sitemap-video/1.1">
    
  <url>
    <loc>https://help.trykarat.com/account-settings/closing-your-karat-account</loc>
    <lastmod>2026-08-10T21:02:32.345Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/connect-karat-to-other-apps</loc>
    <lastmod>2026-08-10T21:02:32.344Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/contact-us</loc>
    <lastmod>2026-08-10T21:02:32.360Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/export-banking-transactions-and-download-documents</loc>
    <lastmod>2026-08-10T21:02:32.343Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/export-card-transactions-and-download-statements</loc>
    <lastmod>2026-08-10T21:02:32.360Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/fraud</loc>
    <lastmod>2026-08-10T21:02:32.345Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/holidays-and-bank-closures-2026</loc>
    <lastmod>2026-08-10T21:02:32.361Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/how-to-cancel-karat-premium-subscription</loc>
    <lastmod>2026-08-10T21:02:32.346Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/manage-bookkeeping-sms-settings-and-connected-accounts</loc>
    <lastmod>2026-08-10T21:02:32.333Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/manage-connected-bank-accounts-and-social-accounts</loc>
    <lastmod>2026-08-10T21:02:32.338Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/manage-recurring-transfers-for-karat-banking</loc>
    <lastmod>2026-08-10T21:02:32.340Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/set-transaction-alerts-for-your-karat-card</loc>
    <lastmod>2026-08-10T21:02:32.347Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/set-up-inbound-transfer-notifications</loc>
    <lastmod>2026-08-10T21:02:32.340Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/soc-2-compliance</loc>
    <lastmod>2026-08-10T21:02:32.335Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/switching-between-organizations</loc>
    <lastmod>2026-08-10T21:02:32.334Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/understanding-account-closures-and-access-restrictions</loc>
    <lastmod>2026-08-10T21:02:32.334Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/updating-your-account-information</loc>
    <lastmod>2026-08-10T21:02:32.332Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/account-settings/user-roles-and-permissions</loc>
    <lastmod>2026-08-10T21:02:32.342Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/cancel-an-external-payment</loc>
    <lastmod>2026-08-10T21:02:24.271Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/create-external-payments</loc>
    <lastmod>2026-08-10T21:02:24.236Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/get-an-external-payment</loc>
    <lastmod>2026-08-10T21:02:24.249Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/get-an-external-payment-receipt</loc>
    <lastmod>2026-08-10T21:02:24.279Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/list-external-payments</loc>
    <lastmod>2026-08-10T21:02:24.226Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/update-an-external-payment</loc>
    <lastmod>2026-08-10T21:02:24.258Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/external-payments/upload-an-external-payment-receipt</loc>
    <lastmod>2026-08-10T21:02:24.287Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payments/cancel-a-payment</loc>
    <lastmod>2026-08-10T21:02:24.167Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payments/create-a-payment-batch</loc>
    <lastmod>2026-08-10T21:02:24.150Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payments/get-a-payment</loc>
    <lastmod>2026-08-10T21:02:24.159Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payments/list-payments</loc>
    <lastmod>2026-08-10T21:02:24.140Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/payout-updated</loc>
    <lastmod>2026-08-10T21:02:24.369Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/recipient-updated</loc>
    <lastmod>2026-08-10T21:02:24.394Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/recipients/add-recipients</loc>
    <lastmod>2026-08-10T21:02:24.185Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/recipients/get-a-recipient</loc>
    <lastmod>2026-08-10T21:02:24.193Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/recipients/list-recipients</loc>
    <lastmod>2026-08-10T21:02:24.176Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/tax-form-created</loc>
    <lastmod>2026-08-10T21:02:24.378Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/tax/get-a-w-9-download-link</loc>
    <lastmod>2026-08-10T21:02:24.216Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/tax/list-recipient-w-9-forms</loc>
    <lastmod>2026-08-10T21:02:24.202Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/webhooks/create-a-webhook-subscription</loc>
    <lastmod>2026-08-10T21:02:24.318Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/webhooks/delete-a-webhook-subscription</loc>
    <lastmod>2026-08-10T21:02:24.338Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/webhooks/list-event-types</loc>
    <lastmod>2026-08-10T21:02:24.296Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/api-reference/webhooks/list-webhook-subscriptions</loc>
    <lastmod>2026-08-10T21:02:24.309Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/company-address-requirements</loc>
    <lastmod>2026-08-10T21:02:32.341Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/gathering-your-documents</loc>
    <lastmod>2026-08-10T21:02:32.333Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/how-long-approval-takes</loc>
    <lastmod>2026-08-10T21:02:32.359Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/karat-banking/what-is-karat-banking</loc>
    <lastmod>2026-08-10T21:02:32.341Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/karat-banking/what-is-karat-banking-and-how-to-apply</loc>
    <lastmod>2026-08-10T21:02:32.336Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/karat-card/how-to-apply-for-the-karat-card</loc>
    <lastmod>2026-08-10T21:02:32.339Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/karat-card/linking-your-bank-accounts</loc>
    <lastmod>2026-08-10T21:02:32.337Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/karat-card/what-is-karat-card</loc>
    <lastmod>2026-08-10T21:02:32.359Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/reapplying-after-a-declined-application</loc>
    <lastmod>2026-08-10T21:02:32.335Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/social-verification-during-application</loc>
    <lastmod>2026-08-10T21:02:32.338Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/applying/who-is-eligible-for-karat</loc>
    <lastmod>2026-08-10T21:02:32.337Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/banking-card/banking-fees</loc>
    <lastmod>2026-08-10T21:02:32.342Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/banking-card/current-apy-rates</loc>
    <lastmod>2026-08-10T21:02:32.344Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/banking-card/using-your-banking-card-at-atms</loc>
    <lastmod>2026-08-10T21:02:32.256Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/creating-banking-and-credit-cards</loc>
    <lastmod>2026-08-10T21:02:32.257Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/account-review-after-late-or-returned-payments</loc>
    <lastmod>2026-08-10T21:02:32.258Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/billing-cycle-and-due-date</loc>
    <lastmod>2026-08-10T21:02:32.260Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/credit-reporting-for-the-karat-card</loc>
    <lastmod>2026-08-10T21:02:32.266Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/deferred-payment-fee</loc>
    <lastmod>2026-08-10T21:02:32.249Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/how-to-redeem-rewards</loc>
    <lastmod>2026-08-10T21:02:32.265Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/karat-card-rewards-basics</loc>
    <lastmod>2026-08-10T21:02:32.265Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/making-a-payment</loc>
    <lastmod>2026-08-10T21:02:32.260Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/max-card-rewards</loc>
    <lastmod>2026-08-10T21:02:32.259Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/request-a-credit-limit-increase</loc>
    <lastmod>2026-08-10T21:02:32.294Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/standard-card-rewards</loc>
    <lastmod>2026-08-10T21:02:32.264Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/karat-card/what-happens-if-i-dont-repay</loc>
    <lastmod>2026-08-10T21:02:32.262Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/physical-card-production-and-shipping</loc>
    <lastmod>2026-08-10T21:02:32.296Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/replacing-cards</loc>
    <lastmod>2026-08-10T21:02:32.291Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/cards/why-was-my-card-declined</loc>
    <lastmod>2026-08-10T21:02:32.292Z</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>2026-07-20T21:42:58.978Z</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>2026-08-10T21:02:32.252Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/developers/webhooks</loc>
    <lastmod>2026-08-10T21:02:32.248Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/add-funds-to-your-account</loc>
    <lastmod>2026-08-10T21:02:32.250Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/connecting-accounting-software</loc>
    <lastmod>2026-08-10T21:02:32.252Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/create-your-first-card</loc>
    <lastmod>2026-08-10T21:02:32.263Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/inviting-teammates-to-your-account</loc>
    <lastmod>2026-08-10T21:02:32.248Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/managing-multiple-checking-accounts</loc>
    <lastmod>2026-08-10T21:02:32.294Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/navigating-your-dashboard</loc>
    <lastmod>2026-08-10T21:02:32.214Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/refer-a-business-and-earn-rewards</loc>
    <lastmod>2026-08-10T21:02:32.259Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/set-up-direct-deposit</loc>
    <lastmod>2026-08-10T21:02:32.257Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/understanding-your-subscription-plan</loc>
    <lastmod>2026-08-10T21:02:32.255Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/welcome-to-the-karat-help-center</loc>
    <lastmod>2026-08-10T21:02:32.268Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/getting-started/what-you-can-do-with-karat</loc>
    <lastmod>2026-08-10T21:02:32.254Z</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>2026-08-10T21:02:32.254Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/invoicing/customizing-your-invoice-template</loc>
    <lastmod>2026-08-10T21:02:32.160Z</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>2026-08-10T21:02:32.185Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/invoicing/managing-recipients</loc>
    <lastmod>2026-08-10T21:02:32.170Z</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>2026-08-10T21:02:32.090Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/disputing-a-transaction</loc>
    <lastmod>2026-08-10T21:02:32.095Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/manage-recurring-transfers</loc>
    <lastmod>2026-08-10T21:02:32.096Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/send-money-from-karat-banking</loc>
    <lastmod>2026-08-10T21:02:32.094Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/switching-to-karat-banking</loc>
    <lastmod>2026-08-10T21:02:32.089Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/transfer-funds-between-checking-and-atp</loc>
    <lastmod>2026-08-10T21:02:32.094Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/transfer-processing-times-and-cutoffs</loc>
    <lastmod>2026-08-10T21:02:32.091Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/update-your-subscriptions-to-karat-banking</loc>
    <lastmod>2026-08-10T21:02:32.097Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/what-happens-if-a-transfer-fails</loc>
    <lastmod>2026-08-10T21:02:32.092Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/move-money/where-do-i-find-my-account-and-routing-number</loc>
    <lastmod>2026-08-10T21:02:32.056Z</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>2026-08-10T21:02:32.054Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/payments/how-to-access-payments</loc>
    <lastmod>2026-08-10T21:02:32.106Z</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>2026-08-10T21:02:32.091Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/payments/receiving-money-with-payments</loc>
    <lastmod>2026-08-10T21:02:32.058Z</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>2026-08-10T21:02:32.057Z</lastmod>
  </url>
</urlset>