Don't let the payment fail — committing to a path early, before the date arrives, is what protects your Split Pay account.
Important timing:
You can move your second payment date again yourself from the pay-now link in our texts and emails — as many times as you need, up to 4 business days past your original due date (weekends and bank holidays don't count)
After that, get in touch with us before your new date arrives — there are a few ways we can help
The worst option is letting the payment just fail. If it fails:
You may get hit with NSF or overdraft fees from your bank
Your account stays frozen until the balance is resolved
The longer it sits, the harder it gets to fix
Eventually the balance may be referred to an external collections agency
Waiting it out is the only option that consistently makes things worse.