Early auto payment

Learn how early auto payment works on Credit Expense accounts, including activation, configuration and FAQs

What is early auto payment?

Early auto payment automatically triggers a payment when your credit usage reaches a threshold you set (default 80%). This prevents declined transactions and keeps your business running smoothly.

Available for Credit Expense accounts only.

How it works

• Your credit line has a configurable threshold (default 80%).
• When your balance reaches that threshold or more, the system automatically pays your full balance from your linked bank account, restoring your credit line.
• The system checks once daily around 11 AM ET.
• Payment covers your entire outstanding balance, not just the threshold amount.

Example: If your credit line is $100,000 and the threshold is set to 80%, an early payment triggers when your outstanding balance reaches $80,000 or more.

How to activate

Choose one of these options:

1. From Dashboard: Click Enable on the Dashboard statement information box

2. From Transactions: Go to Transactions > Make a payment > Early auto payment

Configure:

• Threshold percentage (default 80%)
• Bank account for payments
• Reset spend limit (optional)

How to modify or disable

1. Go to the Early auto payment page.

2. Adjust threshold, bank account or toggle on/off.

3. Save changes.

FAQ

Does this replace my payment at the end of my billing cycle?

No, it works in addition to your regular end of billing cycle payment.

What if my bank account has insufficient funds?

The payment will fail and we’ll notify you.

How quickly is credit restored?

Within 1-3 business days after payment processing.