There's no choice to make — Split Pay doesn't offer that option.
Here's how the flow actually works:
If your first payment failed and the retry succeeded, your landlord, lender, or servicer received the full payment from us. From their side, they've been paid in full and on time. Anything that happens next is between you and them.
What Split Pay does automatically:
If your landlord, lender, or servicer returns the payment to us (for example, they refund a duplicate or apply it as a credit and then return the funds), we automatically refund it to you. Money goes back to the same debit card or bank account it came from. You don't need to do anything.
We never send the money back to your portal, lender, or servicer once a retry has succeeded. The retry is the payment. We don't reverse it.
If they want a refund or credit applied:
That's their decision to make, on their side. They can either:
Refund the payment back to Split Pay (and we'll automatically refund you)
Apply it as a credit toward next month on their end
It's their call — not yours, not ours. Talk to your landlord, lender, or servicer directly about what they're planning to do.
Why this isn't negotiable:
Once your retry succeeds, the payment has been delivered. Split Pay's role is to deliver payment on your behalf — once that's done, the money is in your landlord, lender, or servicer's hands. We can't reverse a payment we've already sent.
If your landlord, lender, or servicer has returned the funds and you don't see your refund within 3–5 business days, contact our Support team and we'll check on it.