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Smart Pay

Stay on track, avoid missed payments, and build credit—automatically.

Updated over 2 weeks ago

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:

  1. Go to the Card tab

  2. Tap Pay Balance

  3. 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.

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