A failed retry usually points to one of these:
1. Funds. Confirm the exact balance available — your card needs to cover your whole first payment (your share of the bill plus the Split Pay fee). Pending charges from other places can eat into what looks available.
2. Card lock or limit. Try a small purchase elsewhere (gas station, coffee shop) to confirm your card is actually working. If it's locked, your bank can unlock it. Some banks also have daily debit limits that might block a larger charge — worth a quick check with them.
3. Card type. Split Pay accepts Visa or Mastercard debit cards only, in your name and from any bank. No credit cards. Discover is no longer supported either — see Why isn't Discover accepted?.
4. Expiration date. If your card expired, you'll need to update it in your Split Pay account.
5. Security alert from your bank. Sometimes a bank will block a charge it doesn't recognize without locking the whole card. A quick call to your bank to authorize the Split Pay charge can fix it.
Still failing after all that? Try adding a different debit card in your Split Pay account. If a different card also fails, contact our team — that's the point where we need to take a closer look.