Questions About Cost Splitting

Splitcard is a virtual card that allows groups to pool money or split costs upfront. It can be used anywhere, anytime, that accepts a credit card number without credit card swipe requirement. Making it perfect for shared expenses like trips, gifts, or group activities. Learn more about other group purchase scenarios here.

1. Verify your identity to set up a secure user account.
2. Create a Splitcard and invite participants. 
3. Each participant contributes their share.   
4. Activate your card once contributions are collected.   
5. Pooled funds are instantly available to spend anywhere credit cards are accepted without swipe requirement.

If your transaction is declined, don’t worry, we’re here to help! If the purchase falls under a blocked category, we won’t be able to process it. However, if it’s within an approved category and still declined, we can work with you to resolve the issue. You are never charged for a declined purchase and your funds are still available. Just give us a call or text 888-625-4349, and we’ll be happy to assist you in getting things sorted out quickly!

Splitcard is a virtual card. We do not issue a physical card through the mail. Your virtual card can only be used at places that accepts a credit card number without credit card swipe requirment. It works like any other credit card or debit card.

Splitcard cannot be used at or to purchase gambling funds, illegal substances, weapons, adult sites, gas pumps, or banking apps. These types of purchases are against our terms and conditions. 

There is a max contribution limit of $2,000 per person per Splitcard created. 

Participants are sent a secure link from the organizer to contribute their share using their preferred payment method, such as a debit card or credit card.  

Participants are only charged for what is actually spent. Any unused balance remains uncharged.   

There is no cost to form a group and invite others to join You are only charged a 4% fee when your transaction is successful. Meaning, each group member is charged a 4% fee on their individual contribution when the transaction is completed.

The final charge is allocated to each participant based on their portion of the group goal amount. Everyone receives a detailed notification of their share after the purchase is complete. If you are pooling money, each participant can set their own max amount.   

Yes! The card organizer can finalize the card within 7 days or cancel the Splitcard at any time. Notifications will be sent to all participants. If the card hasn’t been used within the 7 days, it will automatically void and no one will be charged.  

Absolutely! Splitcard starts with identitiy verification and uses industry-standard encryption to ensure all transactions and personal information are safe and secure. 

Yes, you can track the card’s status—whether it’s started, activated, completed, or canceled—directly from your account through our web-app. You’ll also receive notifications about all transactions and your final charge.   

Group members don’t need an app to contribute. Splitcard is completely web-based, and all contributions are done within a secured link sent by the organizer.

The group organizer manages the money. However, everyone in the group has visibility to the pooling of funds and transaction activity.

Payments are not authorized until the card has been activated. We pre-authorize all group members for their maximum contribution and settle when a purchase is completed.”

Splitcard works anywhere a credit cards are accepted that don’t require a physical swipe! However, some hotels and car rental companies require a physical credit card in the primary renter’s name for deposits or incidentals.

Hotels: You can use Splitcard for the booking itself, but the hotel may ask for a personal card at check-in for incidental charges.

Car Rentals: Most rental companies require a physical credit card for security deposits, so while you may be able to use Splitcard for the reservation, you’ll likely need another card at pickup.

Always check the specific hotel’s or rental company’s payment policies before booking!