What is Smart Pay?
Smart Pay is Atlas's automated payment feature designed to:
Pay off balances automatically to avoid missed payments.
Keep card utilization low, helping to build credit faster and prevent runaway debt.
When does Smart Pay run?
Smart Pay now runs in two daily windows:
8am ET for users on the East Coast
8am PT for users in all other time zones
This timing affects when payments are skipped and when notifications are sent.
How long does Smart Pay take?
Payments are initiated 1–2 days after a transaction.
It takes 3–5 days for payments to complete.
Can you skip Smart Pay?
Yes, you can defer Smart Pay once a month:
Go to Card tab
Select Pay Balance
Tap Daily Smart Pay > Postpone to skip Smart Pay till a future date.
Need more time? Contact support to reset your skip.
Can you turn off Smart Pay?
Smart Pay helps automate debt management, but you can:
Delay payments as needed
Contact support if you'd like help disabling the feature
Smart Pay is a key feature of Atlas—making credit management easier, smarter, and stress-free.