It's a security check we run to confirm your arrangement is legitimate — it protects both you and your landlord, lender, or servicer. It's not an accusation.
What we're confirming:
That the amount you've set up matches what's on your lease, mortgage statement, or auto loan documentation
That the underlying relationship is real and active
That the address (or vehicle, for auto loans) and parties on the document match what's on your Split Pay account
Why we do this:
It prevents fraud from using Split Pay to move money through fake arrangements
It protects you from someone setting up a Split Pay account in your name and routing payments somewhere
It's a standard compliance measure for any service handling recurring large payments at scale
A few things worth knowing:
Not every customer is asked for documentation — it's based on signals our system flags during setup or payment processing
The review is fast: 1–2 business days once you upload
We never share your documents with third parties outside the verification process
This isn't optional when requested. If documentation is required, the payment can't process until we receive and review it. See the FAQ on How do I upload my lease, mortgage statement, or auto loan documentation?.