You don't need a formal dispute for a pending or future payment — there are easier paths.
If the payment is pending (in motion, not yet settled):
Get in touch with us. Our compliance department can cancel pending payments internally.
We'll typically reach back out within 1 business day
No form needed, no chargeback needed
If the payment is scheduled for the future (you haven't been charged yet):
You've got two self-serve options:
Cancel the payment yourself through the Split Pay app
Remove the payment method on file so the upcoming charge can't process
For canceling a specific scheduled payment, see the FAQs on canceling direct payments or canceling portal payments.
Why no formal dispute is needed:
The Written Statement of Unauthorized Debit form (the formal dispute path) only applies to payments that have already settled. For pending or future payments, we have direct options to stop them — much faster than a formal dispute.
One thing to know:
Just stopping a pending or future payment doesn't change the underlying obligation. If you stop a Split Pay payment that was supposed to cover your rent, your landlord still expects rent. If you stop your second Split Pay payment, you still owe that amount.
If you want to genuinely cancel an obligation (not just delay it), get in touch and we'll talk through what's actually going on — there's usually a path that resolves things cleanly.