Specific denial reasons are something Split Pay can only share directly with your tenant — not with you, even though you're their landlord. That's a privacy thing.
What we can tell you is the most common reason renters don't get approved:
The bank account a renter links to Split Pay needs to be the account where their income gets deposited. Many people link a separate account they only use for paying bills — and that's the most common reason applications don't go through. Tenants whose paychecks land in the linked account have the strongest path to approval.
A few other things that matter:
Account consistency — regular deposit patterns and balance history
Account ownership — the account needs to be in the renter's name
After a denial, tenants can apply once every 30 days — 30 days after the decision. The one exception: if they have a bank account they didn't connect the first time (like the one their paycheck lands in), they can connect it and apply again right away.
We share all of this — plus more specific tips — directly with your tenant when they're denied, both in the app and in the email they get. So they have the info they need to try again.