⚠️ What Happens if a Payment Is Declined
If an authorization, re-authorization, or monthly installment payment is declined, we will email you with an update about your plan.
Keeping a valid credit card on file is required to pay in installments.
🕒 Grace Period
Splitit provides up to a 7-day grace period to resolve any payment issues.
During this time, we will continue attempting the declined transaction.
We recommend:
Contacting your card provider to investigate the issue, or
Updating your payment card right away in the Splitit Shopper Portal.
⚠️ What Happens if a Payment Remains Declined
If a transaction is still declined after 7 days, we may charge your card for the full remaining balance using the last successful authorization.
If this happens, it will end your installment plan early, and you will no longer be able to pay in installments.