A few possibilities, depending on how you pay and when you scheduled.
First, which kind of payment is yours?
Direct payments — you scheduled the payment yourself in Split Pay, and Split Pay sends it to your landlord. Our scheduling and processing cutoffs decide when it runs.
Portal payments — you pay through a resident portal, lender, or servicer using your Split Pay account and routing numbers. That system decides when to pull the payment, not Split Pay.
For direct payments — the two most common reasons:
Next-business-day processing. Bank transfers move on business days only, so payments scheduled on a weekend or bank holiday process the next business day. So a payment you set up on Saturday likely ran Monday.
The 4pm ET daily cutoff. ACH payments process at 4pm ET each business day. If you submitted at 5pm ET on a Wednesday, it processes Thursday — not Wednesday evening.
For portal payments:
Your portal, lender, or servicer controls when payment is requested from us — not the other way around.
Sometimes they pull payment days before the actual due date, sometimes the same day.
If your payment came out earlier than you expected, that's a decision on their side.
Card charges can run on weekends and holidays, so keep your card funded from your scheduled date — most weekend-adjacent payments run Monday.
For second Split Pay payments (whichever way you pay):
Your second payment is due 14 days after your first payment is complete — for portal, mortgage, car and student-loan payments that's 14 days after the first charge to your card; for direct rent it's 14 days after the payment reaches your landlord.
So for direct rent, if your first payment took 3 business days to reach your landlord, your second payment is due 14 days after that — not 14 days after you paid.
Quick way to check:
Open the Split Pay app
Look at your transaction history — every payment shows the exact date and amount
Compare what you see in the app to your bank statement