When will my payment show as fully paid in my portal, lender, or servicer?

Your portal, lender, or servicer shows your bill as paid on the pull date — the money itself then follows on bank timelines. Here's the full picture.

The timing depends on the type of payment:

For portal, lender, or servicer payments (where they pull from your Split Pay account and routing numbers):

1. Pull date: They initiate the pull. Their portal may show "payment processed" or "scheduled" on their side.

2. In transit: The pull travels through the ACH banking network to reach Split Pay. This is the slowest part — out of our hands.

3. Arrival: Split Pay receives the payment. Your Split Pay account updates to show the payment and your second installment is scheduled (due 14 days after the first charge to your card).

So typically: your bill shows as paid on the pull date, and the payment shows in Split Pay once the pull reaches us.

For direct payments (Split Pay to your landlord):

• Almost instant on the Split Pay side — you'll see the payment in your Split Pay account as soon as you submit it

• Your landlord receives the funds 3–5 business days after your payment starts

A few things that affect timing:

• Weekends and holidays. Bank transfers move on business days only, so most weekend-adjacent payments run Monday — keep your card funded from your scheduled date.

• Pull timing varies. Some portals, lenders, or servicers pull instantly when triggered; others wait until end-of-day or next business day to actually send the ACH.

• Bank-side processing. Some banks process ACH faster than others.

If it's been more than 3 business days and you don't see the payment in Split Pay:

1. Check your portal, lender, or servicer: confirm the payment actually pulled (not just scheduled)

2. Check your bank statement for the Split Pay charges (first payment)

3. Contact our team with the pull date — we can check on our end

While you're waiting:

• Don't try to pay again through your portal, lender, or servicer — you'll end up paying twice

• Don't try to pay Split Pay directly in your Split Pay account — the system needs to receive the pull first

• Keep your card funded — your first payment is charged to your debit card when the pull reaches us

If you're concerned about timing because your bill is due, see the FAQ on What happens if my second Split Pay payment keeps failing?.