When you use Split Pay through a portal — your resident portal for rent, your mortgage servicer's portal, your auto servicer's portal, or your student-loan servicer's portal — here's what happens each month:
New to this? Here's a video on getting your Split Pay account and routing numbers connected. Quick heads up: it's filmed for renters, but the steps are identical if you're paying a mortgage, car payment, or student loan. Just ignore the rent-specific bits and follow along. (Mortgage and auto versions are on the way.)
https://youtube.com/shorts/CiZKl3pR9J4
The flow:
Your portal, lender, or servicer triggers a payment on or near your due date — same as it always has
They pull payment from your Split Pay account and routing numbers (which are saved as your payment method)
Split Pay pays your full bill so your landlord, lender, or servicer gets paid in full and on time
You pay a portion to Split Pay the same day (your first Split Pay payment, charged to your debit card)
You pay the rest to Split Pay 14 days after that first charge to your card (your second Split Pay payment, taken automatically from your debit card or your connected checking account)
From your landlord, lender, or servicer's view: they receive your full payment on time, every month. The payment shows as coming from our banking partner, but the amount is right and on time.
From your view:
Your portal, lender, or servicer works normally
Split Pay handles the split on the back end
You see two Split Pay payments per month: the first charged to your debit card on payment day, the second 14 days after that first charge
A few important things to know:
You don't have to do anything new each month. Once Split Pay is set up, the flow repeats automatically.
Your portal, lender, or servicer decides when to pull — Split Pay can't control or change that timing. Most pull on or just before your due date.
The split amount adjusts to your payment. If your payment amount changes month to month, your first and second payments adjust automatically — as long as the request is at or below your approved Split Pay amount. A request above your approved amount won't split: it's rejected, you pay that month directly, and to split the higher amount you apply for it.
One common confusion: even though Split Pay pays your full payment the moment your portal, lender, or servicer pulls, you'll get an email from us a couple days later telling you when we'll collect your second payment. That's normal — see the FAQ on Why did I get an email saying you'll charge my debit card later? I already paid in my portal.
If something doesn't match what you expected, contact our team.