You can retry yourself before 2:45pm Eastern Time the same day (Saturday failures extend to Monday 2:45pm ET).
Steps:
First, fix the issue that caused the failure — usually adding funds to your debit card account, unlocking the card with your bank, or updating an expired card in the app
Open the Split Pay app, or click the link in the email we sent
Tap "Retry Payment"
Your card needs to have at least 50% of your total payment amount plus the Split Pay fees available — otherwise the retry will fail again.
If you can't get it done before 2:45pm ET: the payment fails permanently and goes back to your portal. Log in right away and make sure a new payment is scheduled — even if your balance shows the payment as paid (your portal takes time to process the failure notice). Depending on your portal, the payment may reschedule automatically or you may need to submit a new payment manually — check and confirm either way.
Heads up: if the payment doesn't get retried in time, your landlord, lender, or servicer may charge a late fee. Those fees are between you and them.
If your retry keeps failing for the same reason after you've fixed it, head to splitpay.com/help and we'll help.