This FAQ is for direct renters — where Split Pay sends payment to your landlord directly, and your landlord needs to accept your rent plan once. If you pay through a portal, lender, or servicer using Split Pay account and routing numbers, see My landlord said they don't accept Split Pay — what do I do?.
For direct payments, your landlord has to accept your payment request — once per rent plan, within 5 business days — before payments can process; after that, every scheduled payment on the plan runs automatically. If they're refusing or ignoring the notification, here's how to think about it.
Why they may be hesitant:
Most direct landlords haven't seen Split Pay before. They're being asked to accept a payment from an unfamiliar source — that hesitation is reasonable. A short conversation usually resolves it.
What to tell them:
"I'm using Split Pay to manage timing. You'll receive the full rent amount 3–5 business days after each scheduled payment starts. You accept once for this rent plan, then create a landlord account at rent.app/landlord and connect your bank — about two minutes, one time — and every payment on the plan after that runs automatically."
A lot of landlords accept once they understand they're being paid in full and on time, with only a quick one-time setup on their end.
What to do if they still refuse:
Don't pressure them. If your landlord doesn't want to accept Split Pay, we don't recommend pushing. That's a relationship issue first and foremost.
Consider alternatives. You may need to pay rent another way this month — bank transfer, check, or whatever they prefer.
Think about whether direct is the right fit. If your landlord is reluctant to accept Split Pay directly, but their property has a payment portal, switching to the portal flow might be smoother. (You'd need to apply separately for the portal product — direct and portal eligibility aren't shared.)
One important thing for direct renters:
Your direct rent approval is for direct rent only. To use Split Pay for a portal, mortgage, car or student loan payment, apply for that product from the same account — it gets its own approval.