You're not being charged twice — that email is about your second Split Pay payment, not your bill.
Here's what just happened:
You paid your bill in your portal — full amount, on time ✅ (this works the same whether it's rent, a mortgage, a car payment, or a student loan)
Your portal pulled the full amount using your Split Pay account and routing numbers
Split Pay paid the full amount to your landlord, mortgage servicer, or lender on your behalf
Now Split Pay needs to be paid back by you, in two installments
The email you got is the heads-up that the second installment (your second Split Pay payment) is due 14 days after the first charge to your card, and we'll take it automatically from your debit card or checking account. That's the second part of the split — not a duplicate charge for your bill.
The full picture:
Pull date: Portal pulls the full amount → Split Pay pays your landlord, servicer, or lender in full → You pay Split Pay's first installment (charged to your debit card)
14 days after the first charge to your card: Split Pay's second installment, taken automatically from your debit card or checking account (the email you got is about this)
You authorized both installments when you signed up for Split Pay — this is the agreement: Split Pay pays your bill in full upfront, you pay us back in two pieces.
Why this is confusing:
Your portal often shows "payment processed" or "thank you" immediately after pulling the payment, which feels like the transaction is done. But on Split Pay's side, you've only completed the first part — the second is scheduled for two weeks later.
What to do:
Look at the amount in the email — it should match your expected second payment amount (which is shown in the Split Pay app)
Confirm the date — it should be 14 days after the first charge to your card
Make sure your debit card and checking account have funds when the second payment hits
If the amount or date doesn't match what you expected, or if you're not sure this is a legitimate email, get in touch.