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, we missed our response time), get in touch — we'll look at what we can do. See the FAQ on I was charged a fee that was Split Pay's fault. Can I get a refund?.
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 small percentage-based fee that's part of every Split Pay payment (disclosed on your approval screen, not a late fee)
If you see a charge labeled as a late fee and it's coming from Split Pay, that's a bug — contact our Support team and we'll dig in.