Your debit card is charged twice per portal payment cycle.
Charge 1: First Split Pay payment — the moment your portal's request reaches us
When your portal pulls your rent, it covers the full amount and shows the payment as made — but it's not paid from your side yet. It takes 1–3 business days for your portal's bank to send us the actual payment request, and we charge your debit card the moment the request arrives. For example, if your portal shows the payment as paid on the 1st, we usually receive the request and charge your card within the next 1–3 business days. Keep your card funded from your due date until you get our confirmation that the first charge went through.
Charge 2: Second Split Pay payment — about 14 days later
The second installment is automatically charged to your debit card about 14 days after your first Split Pay charge. It attempts at 7am ET first, then 7pm ET if the first attempt fails. You'll get an email reminder before the second charge with the exact date.
Want to know exactly when your next charge is?
Open the Split Pay app — your upcoming payments are shown with exact dates.
Check your confirmation email after your first Split Pay payment processes — it'll list your second payment date.
A few things that can shift the timing:
Weekends and holidays: most portal requests arrive on business days, so a due date near a weekend usually means the charge lands the next business day — though if the request arrives on a weekend, we process it right away. Second payments scheduled for non-business days typically process the next business day.
First Split Pay payment fails: you'll always get a chance to fix it and retry — your notification will say exactly how long you have. See What happens if my second Split Pay payment keeps failing?.
You changed your second payment date through the Split Pay app — the new date applies.
If you want to pay earlier: you can pay your second Split Pay payment early at any time through the app. No fee for paying early.
If you see a charge you weren't expecting, see I don't recognize this charge on my account.