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:
Open the Atlas app
Go to the Card tab
Tap Pay Balance
Select Daily Smart Pay
Tap Postpone and choose your date
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.