Depends on which type of charge it is. Two scenarios:
Scenario 1: Your second Split Pay payment is being attempted from your debit card.
This is a balance you owe Split Pay — money we already paid to your landlord, lender, or servicer on your behalf. Even if your situation has changed (you moved out, sold your car, paid off your mortgage early, etc.), the balance is still owed.
Split Pay will continue to attempt withdrawal of an overdue balance. This isn't a new charge — it's the second half of the payment you originally authorized.
If the timing doesn't work for your account, contact our Support team — we have a few ways we can help, depending on your situation.
Closing your bank account or removing your debit card doesn't cancel the underlying balance — it just delays collection.
Scenario 2: A payment is being pulled from a portal, lender, or servicer for something you no longer owe.
This happens when Split Pay account and routing numbers are saved as a payment method on a third party's side, and that third party continues to pull payment automatically even after the underlying arrangement has ended.
For rent: if you've moved out but your old resident portal is still pulling payments, that's a portal-side issue. Remove your Split Pay payment method from the portal and sort out any disputed rent payment directly with your old landlord.
For a mortgage: if you've sold the home or refinanced and your servicer is still pulling, log into the servicer and remove or pause the Split Pay payment method.
For a car loan: if you've paid off or refinanced and your auto servicer is still pulling, log into the servicer and remove or pause the Split Pay payment method.
In all three cases, the third party — not Split Pay — controls when to pull payment. It's your responsibility to remove your payment method from their side when the arrangement ends.
If your landlord, lender, or servicer returns the money to Split Pay (through a credit on their side), we'll automatically refund it to you.
The general rule:
Money you owe Split Pay stays owed until it's paid — your situation changing doesn't change that.
Money a third party shouldn't have collected is something you sort out directly with them.
Split Pay's role is to follow the authorization you gave us. If you don't want us pulling payments anymore, you need to update the third party's side and resolve your Split Pay balance.
If you're unsure which scenario applies to you, contact our Support team and we'll walk through it.