No. Manual approvals aren't something support agents — or any Split Pay employee — can do on the spot. Identity verification has to follow the process.

Here's why:

  • Identity verification is a regulatory requirement, not a Split Pay policy choice

  • We're required to verify every customer the same way, with no exceptions

  • An exception for one person would put the whole product at risk

What can happen:

After three failed attempts, your case goes to our compliance department for manual review. This isn't an instant approval — they look at what you've submitted and determine the right next step. Sometimes they can clear things up and approve you. Sometimes they need you to correct something specific.

The fastest path:

  1. Don't keep retrying on your own once you've hit 3 failures (this can interfere with review)

  2. Let compliance reach out within one business day

  3. Follow their specific instructions

If you've been waiting more than one business day and haven't heard from compliance, get in touch and we'll check on the status.