What is Smart Pay?
SmartPay helps you pay off your balance and prevent any missed payments. We have designed it to keep your card utilization low which can help build credit faster and prevent the risk of building up runaway debt.
How long does Smart Pay take?
Typically SmartPay initiates 1-2 days after you make a transaction. It can take up to 3-5 days for a transaction for a payment to complete.
Can I skip Smart Pay?
To defer SmartPay:
Visit Menu
Select "Pay off balance"
Select "Daily SmartPay"
Click "Postpone" and choose a future date.
You can do this once per month. If you ever need to extend it, simply reach out to support for us to reset you skip.
Can I turn off Smart Pay?
One of the main benefits of Atlas is its Smart Pay feature, which automatically pays off your balance. You have the option to delay this payment as much as you want. If you find this is not sufficient, our support team can guide you on how to disable it.