Karat — Recipient Setup

Inbox › You've been invited to receive payments

From: admin@trykarat.com

To: amelia@gmail.com

Karat

Hi Amelia,

Universe Creator Studio has invited you to receive payments through Karat. Before your first payment arrives, please complete a short setup to securely add your payout details and tax information.

It only takes a couple of minutes. Once finished, you'll be ready to receive payments going forward.

Create your account

You've been invited by Universe Creator Studio to set up your payout account.

First name *

Last name *

Email

Password *

I agree to Karat's Terms of Service and Privacy Policy

Already have an account? Sign in

Complete tax information

We're required by U.S. tax law to collect your tax information to:

Report income to the IRS
Issue tax forms (such as W-8, W-9, or 1099)

What is your entity type?

Individual Entity

Where is your country of residency?

United States Other

Complete tax information

We're required by U.S. tax law to collect your tax information to:

Report income to the IRS
Issue tax forms (such as W-8, W-9, or 1099)

Name of beneficial owner *

Country of citizenship *

Date of birth *

Permanent residence address

Street name and number *

City or town *

State or Province

Postal code

Country of residence *

My mailing address is the same as the above.

Tax ID type *

Foreign tax ID US tax ID None Not legally required

Foreign Tax ID Number *

Confirm tax information

Review and sign your W-8BEN form. This certifies your status as a non-U.S. person for tax purposes.

Certification (required)

Under penalties of perjury, I declare that I have examined the information on this form and to the best of my knowledge and belief it is true, correct, and complete. I further certify under penalties of perjury that:

I am the individual that is the beneficial owner (or am authorized to sign for the individual that is the beneficial owner) of all the income or proceeds to which this form relates;
The person named on this form is not a U.S. person;
This form relates to income not effectively connected with the conduct of a trade or business in the United States;
The person named on this form is a resident of the treaty country listed on line 9 of the form (if any) within the meaning of the income tax treaty between the United States and that country; and
For broker transactions or barter exchanges, the beneficial owner is an exempt foreign person as defined in the instructions.

Furthermore, I authorize this form to be provided to any withholding agent that has control, receipt, or custody of the income of which I am the beneficial owner or any withholding agent that can disburse or make payments of the income of which I am the beneficial owner.

Full legal name (as signature) *

Date signed: Apr 08, 2026

Complete tax information

We're required by U.S. tax law to collect your tax information to report income to the IRS and issue tax forms (such as W-9 or 1099).

Taxpayer identification information

Legal first name *

Legal last name *

Date of birth *

Tax classification *

SSN number *

We collect your SSN to verify your identity, prevent fraud, and comply with government regulations.

Personal address

Street address *

Apt/Suite no.

City *

State *

ZIP code *

Country *

Complete tax information

We're required by U.S. tax law to collect your tax information to report income to the IRS and issue tax forms (such as W-9 or 1099).

Business information

How many people work for your business? *

How much money did you make last year? *

Business vertical *

Business address

This is the physical address where your business operates

We can't accept P.O. boxes or PMB

Use my personal address

Confirm tax information

Taxpayer Identification Information

Legal Name Amelia Smith

Date of birth 11/02/2001

Tax classification Individual/Sole proprietor

SSN ••• •• 3456

Taxpayer address

Country United States of America

Address 12 Market Street APT 5

City San Francisco

State CA

Zip code 94117

Certification (required) *

I certify under penalties of perjury that: (1) I am a U.S. person (including a U.S. resident alien); (2) the income to which this Form W-9 relates is not effectively connected with the conduct of a trade or business in the United States; (3) I am not subject to backup withholding; and (4) I am not a nonresident foreign person.

Signature of U.S. person (electronic) *

I agree the above information is true, complete, and correct. I authorize Karat to generate and file tax forms (e.g. 1099) on my behalf, and agree to receive them electronically.

Full legal name (as signature) *

Date signed: Apr 08, 2026

Choose how you want to get paid

Select your preferred payout method. You can change this anytime in settings.

US bank transfer

1-3 business days · $0.50 fee

International bank transfer

Usually instant · $3 + 1-3.5% fee · FX applies

International wire

3-5 business days · $40 fee

PayPal transfer

3-5 business days · $3 + 1% fee

Crypto transfer

Usually instant · $3 + 3% fee · Gas fee applies

Enter bank details

Bank country/region *

Account currency *

Recipient type *

Individual Business

Transfer method

Faster payment

0-1 business day

CHAPS

Same day

SWIFT

2-5 business days

Page 1 of 2

Enter bank details

Bank country/region

Account currency

Recipient type

Individual Business

Faster payment

0-1 business day

Sort code *

Account number *

Account holder name *

Enter the account holder's full name as registered with the bank.

Nickname (Optional)

Email address (Optional)

Karat

Main

Banking ›

Payments NEW

Bookkeeping ›

Credit Card ›

Perks

Other

Settings

Support

AS

Amelia Smith

⇅

Tax information See more

Legal name Amelia Smith

Date of birth 21/06/1998

Tax status W-8

TIN ●●●● ●●-3456

Payment method See more

Recipient account Barclays Bank UK ●●●● 9911

Transfer type International bank transfer

Fee $3 + 1–3.5% fee

Funds availability Usually instant

Payments

Date

Description

Amount

Type

Status

No payments yet

Enter bank details

Add your US bank account to receive payments.

Manually input account information

Routing number and account number

›

Link a bank through Plaid

Securely connect with your online banking credentials

›

Enter bank details

Enter your US bank account information.

Routing number *

Account number *

Account type

Checking Savings

Account holder name *

Karat uses Plaid to connect your account

Quickly and securely link your bank account in seconds.

Bank-level security — Your credentials are never shared with Karat

10,000+ institutions — Works with most banks and credit unions

Takes under a minute — Just enter your online banking credentials

Confirm payment method

This is the account your payout will be sent to. You can change this in Settings at any time.

Chase Checking

•••• 4421

Connected

Transfer type US bank transfer (ACH)

Fee $0.00

Funds availability Immediately upon approval

Linked securely via Plaid. Your banking credentials were never shared with Karat.

Enter wire transfer details

International wire transfers typically take 3-5 business days with a $40 fee.

Bank country/region *

Account currency *

Account holder name *

IBAN *

SWIFT / BIC code *

A $40 wire fee will be deducted from each payment. Exchange rates apply.

Enter your PayPal email

We'll send payments to the PayPal account linked to this email.

PayPal email address *

This must match the email on your PayPal account.

Enter wallet address

USDC

USD Coin

Select network *

Wallet address *

Please double check the address and network. We are not responsible for incorrect transfers.

Confirm default payment method

Transfer to —

Transfer type —

Funds availability —

Set up completed

You are all set.

Your next payment from Universe Creator Studio will be processed automatically.

Transfer to —

Transfer type —

Funds availability —