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 3–5 days to fully complete
Can I skip Smart Pay?
Yes—once per month:
Go to the Card tab
Tap Pay Balance
Select Daily Smart Pay > Postpone
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.