🏡 How Rent Payments Are Sent
As soon as your split-rent plan is activated, Livble sends the full rent amount upfront to your landlord or property manager via the ACH network.
This works exactly like any normal ACH rent payment you’d make directly through your portal.
ACH payments typically take 1–3 business days to fully clear. Weekends and holidays can add an extra day.
🧾 When Does My Rent Show as Paid?
Livble’s payment is immediate once sent through ACH - but how your portal updates can vary:
Some property managers mark rent “paid” once ACH is initiated.
Others wait until funds are fully deposited (1–3 business days).
Either way, your rent is fully covered by Livble the moment the ACH transfer is triggered.
🕒 Split-Rent Business Hours
Split-rent business hours: Mon–Fri, 6 AM–3 PM ET (set by bank cutoffs - not Livble Support hours).
If you submit a split after 2 PM ET or on a weekend/holiday, you’ll see after-hours options:
Schedule Split: Your split-rent will be scheduled for and activated on the next business day.
Instant-Split: If available to you, splitting outside of business hours adds $10 to your current origination fee and requires linking a debit card. Your first installment and origination fee are collected immediately from your debit card at the time of split. Remaining installments are charged from your linked bank account.
Instant-Split isn’t available for everyone. If it doesn’t appear, your rent will be scheduled automatically outside of business hours.
Instant-Split vs. Scheduling
Instant-Split (after hours): Rent is paid immediately. Adds $10 to your current origination fee and requires a linked debit card for your first installment and origination fee only.
Schedule Split (after hours, no fee): Rent is paid the next business day between 2–3 PM ET . Make sure to keep sufficient funds in your linked bank account until the payment is confirmed — if the debit fails, your rent will not be paid.
If you decide to wait until the next business hours instead of choosing Instant-Split, check your ledger first - if a late fee posts before you split, you’ll be ineligible to split rent that month.
✅ Key Takeaways
Immediate payment: Livble pays your landlord in full once your split is activated and your first installment + origination fee (and any Instant-Split fee, if used) are successfully debited.
ACH clearing: Payments move instantly once sent, but ledgers can take 1–3 business days to update - some property managers mark “paid” at initiation, others after full deposit.
Late fee caution: Once a late fee posts, you can’t split rent that month. If you’re close to late fees, Instant-Split protects your eligibility.
Scheduling caution: If you schedule, make sure your bank has enough funds by the next 2 PM ET processing window. If the payment fails, your rent isn’t paid, and your split cancels - you’ll need to start over.
Have funds ready: At the time of splitting, your first installment, origination fee, and any Instant-Split fee are all due immediately. Without funds, the split fails, and no rent is paid.