It depends on how your payment moves. Debit card charges can run on weekends and holidays. Bank transfers move on business days only — a business day is any day that isn't a weekend or a federal bank holiday (including the observed Friday or Monday when a holiday falls on a weekend).
What that means for timing:
Card charges: if your portal, lender, or servicer sends us your payment request on a Saturday, we charge your card that day. First-payment card charges aren't attempted on Sundays. A second payment charged to your card can also run on a weekend or holiday.
Bank transfers: anything paid from your bank account, including direct rent payments, starts on the next business day.
Most weekend-adjacent payments run Monday.
What to do: keep your card funded from your scheduled date — and your bank account too, if you pay from it — until we confirm your payment went through. No need to reschedule anything.
If a Saturday card charge doesn't go through, fund your card and tap Retry Payment — you can retry until 2:45pm ET on Monday.
If you pay through a portal, lender, or servicer, your payment shows as paid there on the day they pull it, even if the money moves a little later.
Note: this applies to every federal bank holiday — Thanksgiving, Christmas, New Year's Day, the 4th of July, and the rest.
For how long a payment takes once it starts processing, see When will my payment show as fully paid in my portal, lender, or servicer?. If it's been several business days past the holiday and you still don't see it, head to splitpay.com/help.