Smart Pay helps you build credit by paying your card balance automatically each day. But if you need to hold off, you can skip it.
How skipping works
You can postpone Smart Pay in the app once per month—up to two Fridays from today:
Tap Settings - initials in the top-left corner.
Tap Smart Pay.
Tap Postpone Smart Pay.
Select the date you would like Smart Pay to resume.
Tap Submit Request.
Tap Confirm to complete the request.
After postponing once, you’ll need to wait until next month to skip again. Need more help? Reach out to our support team directly in the Atlas app, and we can help you skip again if needed.
Can I turn off Smart Pay?
Smart Pay is a core part of how Atlas helps you build credit safely. However, for more flexibility, you can:
Postpone payments in the app
Contact Support if you'd like to discuss turning it off
FAQs
Q: How often can I skip Smart Pay?
A: Once per month. To skip again, contact Support to reset your date.
Q: How long can I postpone Smart Pay?
A: Up to two Fridays from today.
Q: What date should I pick?
A: We generally recommend you pick the date that aligns with your next pay cycle.
Q: What happens after I skip?
A: Smart Pay resumes automatically on your selected date.
Q: Will skipping hurt my credit?
A: Not directly. But skipping too often may keep your utilization high, which can impact your credit score.