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Smart Pay

Our feature designed to help you avoid missing payments and build credit faster

Updated over a week ago

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.

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:

  1. Go to Menu.

  2. Select Pay Off Balance.

  3. Choose Daily Smart Pay.

  4. Click Postpone and set a future date.

To extend further, contact support to reset your skip.

Can you turn off Smart Pay?

Smart Pay ensures automated debt management, but you can:

  • Delay payments as needed.

  • Contact support for guidance if you'd like to disable the feature entirely.

Smart Pay is a key feature of Atlas, simplifying credit management and building!

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