Good news — a failed direct payment can often be saved without starting over, and in the first few days you can retry it yourself. What happens next depends on which payment failed:
If it wasn't your first payment with Split Pay: your plan stays active, and for the next 3 days the payment is retriable — we retry automatically each day, and your payment screen has a Retry Payment button so you can run it yourself the moment you're ready.
⚠️ Before you tap Retry Payment, be absolutely sure your balance covers the full amount shown on that screen — fully available, not pending. This matters for two reasons: a short balance means the retry fails again, and every retry that fails automatically sends your landlord an email that the payment didn't go through. Don't guess — check your balance first, then retry once. If you're not sure, contact our Support team — we can check your balance with you and confirm you're covered before anything gets retried.
If the payment method your plan uses can't be funded in time, you can also switch it to a different one — from the failed-payment screen, or see Can I change the payment method for my Split Pay payment?
If the 3 retry days have already passed: don't worry — if you've made at least one successful payment with us before, there's still a window of a few days where our Support team can send the payment again within your existing plan. No new plan, your landlord doesn't need to approve anything again, and your future autopay dates stay exactly the same. Contact our Support team as soon as you can — this window doesn't stay open forever, and this one can't be retried from your screen.
If it was the first payment on your plan: that plan was canceled when the payment failed, and your rent hasn't been paid. You'll need to set up a new plan in your Split Pay account — your landlord needs to accept it again, so start right away if rent is due soon.
Whatever the path, one rule matters most: the full amount needs to be in your account and available — not pending — when the payment runs. Payments process once daily at 4pm Eastern Time (a banking network schedule, not a Split Pay one): retried before 4pm ET, it runs the same day; after 4pm ET, the next business day. Keep the account funded until you see our confirmation that the payment processed and the funds have actually left your account.
One important note: if your bank charged you an overdraft or NSF fee for the original failed pull, that fee is between you and your bank — it's not something we can refund on our end.