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If you are getting a payment error or payment decline, please try the following tips:

 This is the easiest and quickest way to address this issue.

 More than half of payment declines are due to insufficient funds. Please review your bank account to verify that there are enough funds to make the payment.

Is this the first time that you have used this card?

 Double-check that your card has been unblocked with your bank.

Is your card linked to an active bank account?

 Some of our declines are due to customers trying to use cards linked with a closed bank account. Confirm with your bank that your account is open. 

Are you trying to use a saved payment method? 

The following method helps 20% of our Members. 

Please note: it is currently unavailable on the mobile app

 Instead of paying with your default payment method

try using the ‘add new card’ modal by following these instructions or watching this 

 Double-check if your card details are correct, including your billing zip code for that card.

PadSplit only accepts prepaid cards in certain instances. Please review 

 to see if a prepaid card will be accepted. 

Call the number on the back of the card and ask if you can register your zip code with the card

. Re-enter the payment method details following the instructions explained in #5 above.

If you are still having trouble paying, please 

My payment is not going through

Members are able to pay weekly or biweekly (once every two weeks) on the day of the week that they select. Your payment schedule is selected during the booking process. You can change your payment schedule by going to the "Finances" tab of the Member Dashboard and clicking on "Edit due day and frequency": Please note:

Members will be prompted to pay off their full balance before they can complete their dues day or frequency change.

Members need to pay all pro-rated days between due days. For instance, if you change your dues day from a Sunday to a Saturday, you will need to pre-pay the 6 days between your old and new dues days.

All changes to your payment schedule will take place immediately.

Can I change my billing frequency or Dues Day?

Yes. Membership dues are billed on a recurring basis every week or two weeks, depending on the Member's selection. Because of the recurring nature of these dues, 

PadSplit requires an active payment card to be registered on file.   

In addition to having a card on file, you may use a prepaid card to pay your dues as explained in the following article: 

Can I use a pre-paid debit card to make payments?

If the payment is not going through, please follow the steps found in this article: 

Do I have to have a credit or debit card on file?

Both PadSplit and our Hosts are committed to providing affordable housing for Members, however sometimes rate increases are necessary for a Host to continue operations. Hosts must adhere to the following set of rules when raising room rates: 

Hosts may only raise the room rate for Members that have resided in the room for 90 or more days 

Hosts may not increase a Member's room rate more than once in 6 months

Hosts must give 30 days notice of any room rate increase

Hosts may not increase the room rate by more than $10 in each of these periods

Will my weekly rate ever increase?

To make a payment, log into your Member Dashboard and click on the "Finances" tab. Click the "Pay Now" button and fill in your payment information. Click the "Submit Payment" button to finish.

How do I make a payment?

To update your payment method, log into your Member Dashboard and click on the "Finances" tab. Click the "Add New Card" button and fill in your payment information. Click the "Add Card" button to finish.

How do I update my payment method?

To locate your payment history, log into your Member Dashboard. Click on the "Finances" tab and scroll to the bottom of the page.

Where can I find my payment history?

To set up autopay, log into your Member Dashboard and click on the "Finances" tab. Scroll down to the "Payment Methods" section and use the toggle button to turn autopay on and off.   

By choosing autopay, you agree to have your card processed for the amount of your current balance at 5:05PM EST the day of your Dues Day.

How do I turn on (or turn off) autopay?

We currently report on time payments to Equifax and TransUnion via a third-party service provider, Esusu Financial. Why? We report membership payments in an effort to better serve our members and help them build up their credit histories. We've seen 95% of our Members increase their credit score, and over 2,700 Members establish a credit score for the first time.  

The process for you to check your progress is very simple. 

Follow the KYC prompt and your credit scores should appear 

PadSplit will appear as the reporting data furnisher on your Equifax credit report. Esusu Financial will appear as the reporting data furnisher on your TransUnion credit report.

If you don't see our reporting immediately that's OK. Esusu reports payments to the bureaus on a monthly basis, and the bureaus factor that data into credit scores after completing their own quality control reviews. It typically takes between 2 to 8 weeks before a member’s reported payments will appear on their credit report.

For more information on Esusu, please see 

Does PadSplit report to Credit Agencies?

Membership dues are billed on a recurring basis every week or two weeks, depending on the Member's selection. Because of the recurring nature of these dues, PadSplit requires an active payment card to be registered "

Pay membership dues without saving the card on file

 (keep the box unchecked, see image below). See the video of the process 

For Membership dues with the “Save card for future use” checked. 

In this case, you will be able to use the prepaid card if that box is unchecked, as explained above.

If your payment is not going through, please see some helpful tips 

If your balance is still greater than or equal to $300 48 hours after your Dues Day, your Membership will be terminated and you will need to vacate the property.

The only way to stay with PadSplit at this time will be to book a new room. Your current room will not be available to rebook. In order to rebook a room, you will be required to pay your outstanding balance and the move-in fee of the new room, as well as reapply for Membership if your application has 

Currently, if your Membership was terminated due to our 

, you will be unable to return to PadSplit.

If I pay off my balance, can I move back in?

In order to avoid a late fee, your balance must be $0 by the end of your Dues Day.

 (payments are considered late when they are paid after your Dues Day)

 (even if you paid your dues on time this billing period, a late fee will be applied if you still carry a balance from a previous billing period) 

For more information on your billing schedule, see When are my 

Why did I get a late fee?

While we understand that there are times when everyone gets behind, there are several important things to note about carrying a balance with PadSplit. 

, a $25 late fee will be applied to your account on every billing cycle that you remain behind (see 

You will receive automated communications concerning late fees and payments. Our Collections team may also call with reminders to pay your balance. 

You will receive automated communications concerning late fees, payments and your risk of having your Membership terminated. Our Collections team will call with reminders to pay your balance.

If your balance reaches $300 or greater, you will be placed in financial probation for the 48 hours after your Dues Day. You will need to bring your balance under $300 during this time or your Membership with PadSplit will be terminated. 

If your balance is still $300 or greater 48 hours after your Dues Day, your Membership will be terminated and you will need to vacate the property.

If you anticipate having trouble paying your Membership dues, we encourage you to reach out for financial assistance before you get behind. Recommended resources can be found under 

What happens if I have an outstanding balance?

In this article, we will give an overview of how Member billing and payments work.  

What payment options are Members given at booking? 

Members can choose their Dues Day (day of the week their payment is due) and their payment frequency (weekly or biweekly). Additionally, you can pay using a debit card, credit card, prepaid card (see restrictions 

You are billed two days before your Dues Day. Membership payments should be paid by the end of your Dues Day. Carrying a balance past 11:59pm on your Dues Day will result in a 

For example, if your Dues Day is weekly on Friday, we will invoice you every Wednesday. If you carry a balance past 11:59pm on Friday, you will be charged a $25 late fee. 

If you carry a balance of $300 or greater after your Dues Day, you will be placed in ‘Termination Risk’ status. You will have 48 hours after your Dues Day to get your balance under $300 or your PadSplit Membership will be terminated. Once your Membership has been terminated, you must vacate the property by 9am. 

For example, if your Dues Day is weekly on Friday, you will be terminated for collections on Sunday at 11:59pm if your balance is still $300 or greater. 

How do I know what I owe and when I will be billed again? 

 under the "Finances" tab of your Member Dashboard.

If you anticipate having trouble paying your Membership dues, we encourage you to explore options for financial assistance 

 you get behind. Recommended resources can be found under 

When are my Membership payments due?

Your refund eligibility depends on when you make the request. In all cases:

The application fee is always non-refundable

Refunds will take at least 1 week to process 

In certain cases, there may be problems with your room or home that neither PadSplit nor your Host are able to remediate. Members may qualify for a refund if the following problems are unable to be fixed in a reasonable amount of time:

You are unable to access the room or home after trying all of the troubleshooting methods listed 

The room has not been cleaned (please note that minor wear and tear such as wall markings, imperfect paint and light dust do not qualify)

The home's listing details on the platform are incorrect

Move-ins are only supported during the move-in hours set by your Host. You can view your room's supported move-in hours on your dashboard. We highly encourage Members to schedule their move-ins during these times. Move-ins made outside of these hours are not eligible for a refund. 

Members must make good faith efforts to remediate the problem by following 

Members who move their things into the home will not be eligible for a refund. 

If you would like to request a refund based on the criteria above, please 

If you are unhappy with the room for any other reason, please 

"I'm scheduling a move-out date. What will I be refunded?"

What is your refund policy?

Members are able to pay weekly or biweekly (once every two weeks) on the day of the week that they select. Your payment schedule is selected during the booking process. You can change your payment schedule by going to the "Finances" tab of the Member Dashboard and clicking on "Edit due day and frequency": Please note:

Members need to pay all pro-rated days between due days. For instance, if you change your dues day from a Sunday to a Saturday, you will need to pre-pay the 6 days between your old and new dues days.

Everything Members need to know -- from applying for membership to move-out day -- to live well in a PadSplit.

Payments