> ## Documentation Index
> Fetch the complete documentation index at: https://support.pexcard.com/llms.txt
> Use this file to discover all available pages before exploring further.

# 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

<img src="https://mintcdn.com/pextest/ZZK4bn0lvkOE_3hv/images/administrator-guide/early-auto-payment/image-1.png?fit=max&auto=format&n=ZZK4bn0lvkOE_3hv&q=85&s=fa54d789fa23225d9450246af26e5903" alt="Dashboard statement information box with early auto payment enable option" width="576" height="126" data-path="images/administrator-guide/early-auto-payment/image-1.png" />

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

<img src="https://mintcdn.com/pextest/ZZK4bn0lvkOE_3hv/images/administrator-guide/early-auto-payment/image-2.png?fit=max&auto=format&n=ZZK4bn0lvkOE_3hv&q=85&s=189c271afc75c8a2d513e0255d7eb4ab" alt="Transactions page showing Make a payment and Early auto payment option" width="900" height="772" data-path="images/administrator-guide/early-auto-payment/image-2.png" />

**Configure:**

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

## How to modify or disable

<Steps>
  <Step>
    Go to the **Early auto payment page**.
  </Step>

  <Step>
    Adjust threshold, bank account or toggle on/off.
  </Step>

  <Step>
    Save changes.
  </Step>
</Steps>

## 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.