Split Pay is a service that splits your monthly rent, mortgage, car payment, or student loan into two smaller payments instead of one big one — and it works with your existing portal, lender, or servicer without changing anything on their end.
The basics:
Your monthly payment gets split into two: one on payment day, one 14 days after the first charge to your card
Your landlord, lender, or servicer still receives the full amount on time, every month
You add Split Pay account and routing numbers to your portal, lender, or servicer as a payment method (just like adding any bank account)
They pull payment from those numbers when your bill is due
Split Pay sends the full amount, then you pay us back in two installments
Why it works with any portal, lender, or servicer:
To them, Split Pay looks like a bank account. You add account and routing numbers as a payment method, and they use them when your bill is due. They don't need to integrate with us, partner with us, or even know who we are.
What they see:
A payment method on file (looks like a bank account, source bank: our banking partner)
A full payment on the due date
What you see:
Two payments per month: one on your debit card on payment day (first Split Pay payment), one 14 days after that first charge (second Split Pay payment), from your debit card or checking account
Your second payment starts at 30% of your monthly payment and grows 5% each month you pay on time, up to half; your first payment is the rest, plus the Split Pay fee
You can manage everything in your Split Pay account
What your landlord, lender, or servicer sees:
Full payment received, on time
That's it — they don't need to do anything different
A few things to know:
Most portals, lenders, and servicers work — Yardi, RealPage, Entrata, RentCafe, Buildium, AppFolio, and most others for rent. Major mortgage, auto and student-loan servicers also work. A few (like Zillow Rental Portal) don't accept payments from us.
You don't need to ask their permission — Split Pay is a personal choice on your end.
Split Pay never runs a credit check — no soft pull, no hard pull and no credit-score requirement. Applying for and using Split Pay never touches your credit unless you opt in to credit reporting. Approval is fast.
To get started, sign up at splitpay.com.