When your second Split Pay payment doesn't go through on the original due date, Split Pay automatically keeps trying — we have the right to keep trying until the balance is paid.
Here's the cadence:
Two automatic withdrawal attempts per day once your balance is overdue — at 7am ET and 7pm ET
These attempts happen daily until your balance is paid in full
They run automatically from the debit card connected to your Split Pay account
Daily reminder communications (email, text, calls) continue throughout this period
Why automatic withdrawal attempts continue:
When you signed up for Split Pay and authorized your second payment, you agreed that Split Pay would attempt to collect the balance on its due date. That authorization continues until the balance is paid. We're allowed to continue attempting withdrawal once a balance is overdue.
You can still pay it yourself at any time:
Pay in full or partially through your Split Pay account
Use a different debit card than the one connected to your account
If the timing doesn't work for you, contact our Support team — depending on your situation, we have a few paths we can explore together. The earlier you reach out, the more flexibility we have.
Two things to know:
Split Pay may attempt to recover the full overdue balance at any time. This isn't capped at small increments — if you have funds available, the system can pull the full amount.
Withdrawal attempts only stop when your balance is paid. Until then, the daily 7am/7pm attempts continue.