Split Pay charges you twice per portal payment cycle — your first payment is charged to your debit card, and your second payment is charged automatically to your debit card or bank account.
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 — 14 days after your first charge
The second installment is charged automatically to your debit card or bank account 14 days after the first charge to your card. 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: card charges can run on weekends and holidays — if your portal's request arrives on a Saturday, we charge your card that day (first-payment charges aren't attempted on Sundays) — so keep your card funded from your scheduled date. Bank transfers move on business days only, and most weekend-adjacent payments run Monday.
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 moved your second payment date — 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.