What is Smart Pay?
Smart Pay is Atlas’s automatic payment feature. It helps you:
Pay off balances automatically
Avoid missed payments
Keep utilization low to boost your credit
When Smart Pay runs
Smart Pay runs once daily, depending on your time zone:
8 AM ET for East Coast users
8 AM PT for everyone else
This affects when payments are skipped and when notifications are sent.
How long does it take?
Payments begin 1–2 days after a transaction
Payments take 1–3 days to fully complete
Can I skip Smart Pay?
Yes—once per month:
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.
Need more time? Contact Support to reset your skip.
Can I turn off Smart Pay?
Smart Pay is a core part of how Atlas helps manage credit safely. However:
You can delay payments in the app
You can also contact Support if you'd like to discuss turning it off
FAQs
Q: Will Smart Pay overdraft my account?
A: No—Smart Pay only runs when there’s enough money in your linked bank account.
Q: Can I make extra payments if Smart Pay is on?
A: Yes—manual payments are always available in the app.
Q: How do I know if Smart Pay ran?
A: You’ll see a Smart Pay transaction in your recent activity and get a notification when it’s processed.