When you use Split Pay through a portal — your resident portal for rent, your mortgage servicer's portal, or your auto loan servicer's portal — here's what happens each month:
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/routing numbers (which are saved as your payment method)
Split Pay covers your full bill so your landlord, lender, or servicer gets paid in full and on time
You pay a portion to Split Pay on Day 0 (your first Split Pay payment, charged to your debit card)
You pay the rest to Split Pay ~14 days later (your second Split Pay payment, also from your debit card)
From your landlord, lender, or servicer's view: they receive your full payment on time, every month. The payment shows as coming from "Evolve Bank & Trust" 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 charges on your debit card per month: one on payment day, one ~14 days later
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 (up to the 50% cap).
One common confusion: even though Split Pay covers your full payment the moment your portal, lender, or servicer pulls, you'll get an email from us a couple days later telling you we'll charge your debit card for 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 Support team.