Yes — as long as your payment hasn't started processing yet, you can cancel it yourself. You don't need to contact us. Cancelling your plan automatically cancels your full autopay schedule, including any scheduled payment to your landlord.
Here's how it works across the three phases a direct payment moves through:
Phase 1: Scheduled — your landlord hasn't accepted yet
The payment is sitting in your landlord's queue, waiting for them to accept it.
You can cancel or change it yourself. Look for the cancel or change links in:
The confirmation email we sent when you scheduled the payment
The text message reminder
Your Split Pay account
No money has moved yet, and there's no need to reach out to us.
Phase 2: Your landlord has accepted, but the payment hasn't started processing yet
Your landlord clicked accept, but the actual ACH pull hasn't been initiated.
You can still cancel this yourself — no need to contact us. Cancel your plan from your Split Pay account: open your Plan Details and tap Cancel Plan. This automatically cancels your entire autopay schedule, so the payment to your landlord won't go out.
Phase 3: The payment has started processing
The ACH pull has been initiated and the money is in motion.
A payment that's already processing can't be cancelled — by you or by us. Once it's started, it's out of everyone's hands.
What happens next depends on whether the payment succeeds or fails:
If it succeeds: see My landlord is asking about returning or refunding a payment — what happens? — your landlord can return it if needed, and we'll automatically refund anything they return.
If it fails: see My direct payment to my landlord failed and I have funds now. What do I do?.
One thing to check before you can cancel:
Cancelling your plan requires that you don't have an outstanding second Split Pay payment. So:
If your second payment is already paid (and your landlord payment hasn't gone out yet), you're all set — cancel your plan and the landlord payment is stopped.
If your second payment hasn't been paid yet, you'll need to pay it first, and then you can cancel your plan. Cancelling isn't a way to skip a payment you already owe us.
Important if you do cancel:
If you cancel, your landlord won't get paid. Make sure you have a plan to pay them another way before cancelling — otherwise you might end up with a late fee from them. (Split Pay never charges late fees, but your landlord may.)
The general rule: the sooner you act, the more options you have. As long as the payment hasn't started processing — and any second Split Pay payment you owe is settled — cancelling your plan stops the landlord payment. That's self-service in both Phase 1 and Phase 2. Once it's processing (Phase 3), it's too late to stop.