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  <url>
    <loc>https://help.trykarat.com/public/account-settings/closing-your-karat-account</loc>
    <lastmod>2026-04-30T17:39:03.303Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/connect-karat-to-other-apps</loc>
    <lastmod>2026-04-30T17:39:03.267Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/contact-us</loc>
    <lastmod>2026-04-30T17:39:03.284Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/public/account-settings/export-banking-transactions-and-download-documents</loc>
    <lastmod>2026-04-30T17:39:03.357Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/export-card-transactions-and-download-statements</loc>
    <lastmod>2026-04-30T17:39:03.297Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/fraud</loc>
    <lastmod>2026-04-30T17:39:03.318Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/holidays-and-bank-closures-2026</loc>
    <lastmod>2026-04-30T17:39:03.316Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/how-to-cancel-karat-premium-subscription</loc>
    <lastmod>2026-04-30T17:39:03.320Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/manage-bookkeeping-sms-settings-and-connected-accounts</loc>
    <lastmod>2026-04-30T17:39:03.292Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/manage-connected-bank-accounts-and-social-accounts</loc>
    <lastmod>2026-04-30T17:39:03.721Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/manage-recurring-transfers-for-karat-banking</loc>
    <lastmod>2026-04-30T17:39:03.527Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/public/account-settings/set-transaction-alerts-for-your-karat-card</loc>
    <lastmod>2026-04-30T17:39:03.724Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/set-up-inbound-transfer-notifications</loc>
    <lastmod>2026-04-30T17:39:03.580Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/soc-2-compliance</loc>
    <lastmod>2026-04-30T17:39:03.723Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/switching-between-organizations</loc>
    <lastmod>2026-04-30T17:39:03.549Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/understanding-account-closures-and-access-restrictions</loc>
    <lastmod>2026-04-30T17:39:03.554Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/updating-your-account-information</loc>
    <lastmod>2026-04-30T17:39:03.584Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/account-settings/user-roles-and-permissions</loc>
    <lastmod>2026-04-30T17:39:03.725Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/company-address-requirements</loc>
    <lastmod>2026-04-30T17:39:03.557Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/gathering-your-documents</loc>
    <lastmod>2026-04-30T17:39:03.821Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/how-long-approval-takes</loc>
    <lastmod>2026-04-30T17:39:03.832Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/karat-banking/what-is-karat-banking</loc>
    <lastmod>2026-04-30T17:39:03.829Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/karat-banking/what-is-karat-banking-and-how-to-apply</loc>
    <lastmod>2026-04-30T17:39:03.828Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/karat-card/how-to-apply-for-the-karat-card</loc>
    <lastmod>2026-04-30T17:39:03.823Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/karat-card/linking-your-bank-accounts</loc>
    <lastmod>2026-04-30T17:39:03.826Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/karat-card/what-is-karat-card</loc>
    <lastmod>2026-04-30T17:39:03.822Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/reapplying-after-a-declined-application</loc>
    <lastmod>2026-04-30T17:39:03.790Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/social-verification-during-application</loc>
    <lastmod>2026-04-30T17:39:03.824Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/applying/who-is-eligible-for-karat</loc>
    <lastmod>2026-04-30T17:39:03.827Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/banking-card/banking-fees</loc>
    <lastmod>2026-04-30T17:39:03.873Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/banking-card/current-apy-rates</loc>
    <lastmod>2026-04-30T17:39:03.870Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/banking-card/using-your-banking-card-at-atms</loc>
    <lastmod>2026-04-30T17:39:03.872Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/creating-banking-and-credit-cards</loc>
    <lastmod>2026-04-30T17:39:03.865Z</lastmod>
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  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/account-review-after-late-or-returned-payments</loc>
    <lastmod>2026-04-30T17:39:03.866Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/billing-cycle-and-due-date</loc>
    <lastmod>2026-04-30T17:39:03.867Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/credit-reporting-for-the-karat-card</loc>
    <lastmod>2026-04-30T17:39:03.868Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/deferred-payment-fee</loc>
    <lastmod>2026-04-30T17:39:03.867Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/how-to-redeem-rewards</loc>
    <lastmod>2026-04-30T17:39:03.870Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/karat-card-rewards-basics</loc>
    <lastmod>2026-04-30T17:39:03.869Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/making-a-payment</loc>
    <lastmod>2026-04-30T17:39:03.914Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/max-card-rewards</loc>
    <lastmod>2026-04-30T17:39:03.905Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/request-a-credit-limit-increase</loc>
    <lastmod>2026-04-30T17:39:03.904Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/standard-card-rewards</loc>
    <lastmod>2026-04-30T17:39:03.907Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/karat-card/what-happens-if-i-dont-repay</loc>
    <lastmod>2026-04-30T17:39:03.903Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/physical-card-production-and-shipping</loc>
    <lastmod>2026-04-30T17:39:03.909Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/replacing-cards</loc>
    <lastmod>2026-04-30T17:39:03.906Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/cards/why-was-my-card-declined</loc>
    <lastmod>2026-04-30T17:39:03.915Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/add-funds-to-your-account</loc>
    <lastmod>2026-04-30T17:39:03.975Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/connecting-accounting-software</loc>
    <lastmod>2026-04-30T17:39:03.970Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/create-your-first-card</loc>
    <lastmod>2026-04-30T17:39:03.977Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/inviting-teammates-to-your-account</loc>
    <lastmod>2026-04-30T17:39:03.974Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/managing-multiple-checking-accounts</loc>
    <lastmod>2026-04-30T17:39:03.972Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/navigating-your-dashboard</loc>
    <lastmod>2026-04-30T17:39:03.974Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/refer-a-business-and-earn-rewards</loc>
    <lastmod>2026-04-30T17:39:03.973Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/set-up-direct-deposit</loc>
    <lastmod>2026-04-30T17:39:03.972Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/understanding-your-subscription-plan</loc>
    <lastmod>2026-04-30T17:39:03.971Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/welcome-to-the-karat-help-center</loc>
    <lastmod>2026-04-30T17:39:04.004Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/getting-started/what-you-can-do-with-karat</loc>
    <lastmod>2026-04-30T17:39:04.001Z</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>2026-04-30T17:39:03.996Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/invoicing/customizing-your-invoice-template</loc>
    <lastmod>2026-04-30T17:39:03.997Z</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>2026-04-30T17:39:03.999Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/invoicing/managing-recipients</loc>
    <lastmod>2026-04-30T17:39:03.998Z</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>2026-04-30T17:39:04.230Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/disputing-a-transaction</loc>
    <lastmod>2026-04-30T17:39:04.288Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/manage-recurring-transfers</loc>
    <lastmod>2026-04-30T17:39:04.290Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/send-money-from-karat-banking</loc>
    <lastmod>2026-04-30T17:39:04.269Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/switching-to-karat-banking</loc>
    <lastmod>2026-04-30T17:39:04.275Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/transfer-funds-between-checking-and-atp</loc>
    <lastmod>2026-04-30T17:39:04.270Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/transfer-processing-times-and-cutoffs</loc>
    <lastmod>2026-04-30T17:39:04.269Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/update-your-subscriptions-to-karat-banking</loc>
    <lastmod>2026-04-30T17:39:04.284Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/what-happens-if-a-transfer-fails</loc>
    <lastmod>2026-04-30T17:39:04.268Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/move-money/where-do-i-find-my-account-and-routing-number</loc>
    <lastmod>2026-04-30T17:39:04.256Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/accessing-tax-documents</loc>
    <lastmod>2026-04-30T17:39:04.325Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/completing-tax-information</loc>
    <lastmod>2026-04-30T17:39:04.324Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/how-to-access-payments</loc>
    <lastmod>2026-04-30T17:39:04.323Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/payments-fees</loc>
    <lastmod>2026-04-30T17:39:04.319Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/receiving-money-with-payments</loc>
    <lastmod>2026-04-30T17:39:04.322Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/send-money-with-payments</loc>
    <lastmod>2026-04-30T17:39:04.320Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/supported-countries</loc>
    <lastmod>2026-04-30T17:39:04.321Z</lastmod>
  </url>

  <url>
    <loc>https://help.trykarat.com/public/payments/what-is-karat-payments</loc>
    <lastmod>2026-04-30T17:39:04.323Z</lastmod>
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