Split Pay adjusts automatically. You don't need to do anything special when your payment amount changes, as long as it stays within your approved amount — but here's what to expect.
The basics:
When your portal pulls a different amount than last month — a rent change (lease renewal, utility add-ons, fee changes), a mortgage escrow or rate adjustment, or a change to your car payment or student loan — Split Pay:
Pays the new full amount to your portal
Adjusts your first and second Split Pay payments to match the new amount
Keeps the same split percentage you were approved for
So if your payment goes from $2,000 to $2,200 and you're approved at 50%:
Last month: $1,000 first payment + $1,000 second payment
This month: $1,100 first payment + $1,100 second payment
A few important things:
1. Increases beyond your approved amount.
If your new amount is above your approved amount — the largest bill Split Pay will split, set 25% above the amount you requested — Split Pay doesn't split it at all that month:
The payment is rejected, so pay that month directly (for direct rent, the Split Pay payment doesn't run)
To split the higher amount going forward, apply for the actual amount
If this happens, contact our Support team — we can talk through reapplying.
2. Decreases.
If your amount goes down, your Split Pay payments shrink to match. No action needed.
3. Big one-time charges.
If your portal pulls a big one-time charge (a credit applied and reversed, a lease termination fee, a large escrow shortage, etc.) along with your normal payment, Split Pay sees that as one combined payment. If the total is above your approved amount, the payment is rejected and isn't split at all — pay that month directly, as in point 1.
4. Mid-month changes.
Split Pay reflects whatever your portal actually pulls. If you're catching up on a past-due balance or in the middle of paying back your second payment, an amount change for next month doesn't affect what you owe for this month.
Want to see what's happening?
The Split Pay app shows your actual payment amounts month over month
If the amounts don't match what you expected based on your portal, see the FAQ on Why does my payment amount or due date in Split Pay differ from what I see in my portal?
Get in touch if anything looks off.