AutoPay is the core payment system behind Cloaked Pay—automatically settling each transaction in real time so your virtual cards stay active without manual effort.

How it works:
AutoPay is enabled by default and activates with every Cloaked Pay transaction. As soon as you make a purchase, AutoPay immediately charges your linked funding source for the exact amount. Your account balance returns to zero, and your cards stay ready to use.

Benefits of AutoPay:

• No manual payments: No bills to pay or due dates to track.
• Always-on access: Your cards remain active after each purchase.
• Clear records: Each Cloaked transaction appears as a matching charge on your funding source, making spending easy to track.

AutoPay is automatically on and requires no setup. You can turn it off if you're using a debit card or bank account—but we recommend keeping it enabled to avoid disruptions or risk of collections.