Split Pay doesn't charge late fees — not ever, on any payment. If your second Split Pay payment is past due, you'll never see a late fee from us added on top.
So if you're seeing a late fee, it's from somewhere else. The most likely source:
Late fees from your landlord, lender, or servicer:
Those come from them, not from us
They charge late fees based on when they received your full payment
If your payment was late getting to them (due to a failed payment, a delayed retry, or a portal issue), you may have triggered a late fee on their end
You'd talk to them directly about waiving it
If a Split Pay payment failed and that caused a late fee from your landlord, lender, or servicer:
The late fee itself is between you and them — we can't waive a fee charged by a third party. But if the failure happened because of something we did wrong (a system bug, an agent gave you bad info), get in touch with the fee details and proof — we'll look at what we can do.
Other fees that might show up but aren't late fees:
NSF or overdraft fees from your bank — if a Split Pay payment failed because of insufficient funds, your bank may have charged you for the failed pull. That's between you and your bank.
Your Split Pay transaction fee — a $9.99 flat fee plus 1.5% of the bill, included in your first payment (disclosed on your approval screen, not a late fee)
Split Pay never charges late fees. If you see a charge labeled as a late fee from Split Pay, get in touch with the date and amount and we'll look into it.