Micro-deposits are tiny test deposits — either two small amounts (like $0.12 and $0.45) or a single $0.01 with a short code — that your portal sends to confirm you own the account you entered. They only come into play if you typed your Split Pay account and routing numbers into your portal manually: since the portal can't instantly confirm those numbers belong to you, it sends the test deposits and asks you to confirm what arrived.
Here's how to complete it:
Two small amounts: enter both amounts in your portal when prompted.
One $0.01 deposit with a code: look for a 3-letter code after a
#in the transaction description (like#PDV) and enter the code, not the amount.
Where you'll see them: your portal sends the test deposit(s) to your Split Pay account — the account and routing numbers you entered — not to your personal bank, and they won't appear in the Split Pay app or on splitpay.com. Portals usually send them within 24 hours, but it can take up to 3 business days to reach us. As soon as we receive them, we email you from notifications@splitpay.com with the subject "Action Needed: Split Pay Micro-Deposit Verification" and text you if you're opted in to texts. That email lists each deposit — the amount, the date, and the transaction description — so you'll have exactly what you need to enter in your portal. Can't find the email? Check spam, then contact Support at splitpay.com/help — we can read the details to you.
A couple of things to know:
Your portal sends them — not Split Pay. We report the deposits when they reach your account, but we can't send, resend, or speed them up.
Don't remove and re-add your Split Pay account in the portal while you wait. Each time you do, the portal sends new deposits and the earlier ones no longer match.
You can skip them entirely. If your portal supports connecting a bank through Plaid, choose Split Pay from the bank list instead — that verifies instantly, with no micro-deposits at all.
For timing and what to do if they haven't shown up, see How long do micro-deposits take to verify my portal connection?