Where to find your second payment option on Vrbo

Your second payment on Vrbo appears in your account under Trips or Reservations, depending on whether you booked through the Vrbo website or app. Open the specific reservation, and you will see a payment section showing what you owe and when it is due. The second payment link or button sits in that same area — it looks like "Pay now" or "Make payment" and is only visible once your first payment has cleared.

If you do not see a second payment option yet, your first payment may still be processing. Vrbo typically waits 24 to 48 hours after your initial charge clears before showing the second payment due. Check back in a day or two, or refresh your browser and log out and back in to force the page to reload.

On the Vrbo app, swipe to the payment section of your reservation card. On the website, scroll down past the reservation details. Both show the same information and let you pay the same way.

Key Takeaways

  • Your second payment appears in your Trips or Reservations section once your first payment has cleared, usually within 24 to 48 hours.
  • You can pay your second installment using the same payment method as your first, or choose a different card or bank account.
  • The due date for your second payment is set by the property owner and shown in your reservation details; paying late may trigger a late fee or cancellation.
  • If your second payment fails, Vrbo will retry it automatically over several days, but you can also pay manually to avoid a failed-payment hold on your reservation.

Payment methods accepted for your second installment

Vrbo accepts the same payment methods for your second payment as it does for your first: credit cards (Visa, Mastercard, American Express, Discover), debit cards, and PayPal. You do not have to use the same method twice — you can pay your first installment with a credit card and your second with a debit card or PayPal, or vice versa.

When you click to pay, Vrbo will show you the card or account you used before and ask if you want to use it again. A link or button below that option lets you add a different payment method. Enter the new card or account details, and Vrbo will charge it immediately for the second payment amount.

International cards and bank accounts work, but the currency and any conversion fees depend on your card issuer and your location. Vrbo charges in the currency of the property listing, so if you are paying in a different currency, your bank will handle the conversion and may charge a fee.

When your second payment is due

The due date for your second payment depends on the property owner's payment schedule, not Vrbo itself. Most owners split the total into two equal payments, with the first due at booking and the second due 30 to 60 days before your arrival. Some owners require payment in full at booking and do not offer a second installment at all.

Your reservation details show your exact due date. If you miss it, Vrbo will send you a reminder email, usually three to five days before the deadline. After the due date passes, the property owner can charge a late fee (the amount varies by property) or, in some cases, cancel your reservation.

If you know you will be late, contact the property owner directly through Vrbo's messaging system before the due date. Many owners will grant a short extension if you ask in advance, especially if you have already paid your first installment on time.

What happens if your second payment fails

If your card is declined or your bank account does not have enough funds, Vrbo will retry the charge automatically over the next three to five business days. You will receive an email notification each time a retry fails. During this period, your reservation remains active, but the property owner can see that payment is pending.

Do not wait for the automatic retries to succeed. Log into your account, go to your reservation, and pay manually using a different card or payment method. This stops the failed-payment retries and prevents the property owner from canceling your booking.

If all retries fail and you do not pay manually before the due date passes, Vrbo will place a hold on your reservation. The property owner may then cancel it and relist the dates. You can still pay the amount owed, but you will lose the reservation unless the owner agrees to reinstate it.

Paying from the Vrbo app versus the website

The process is identical on both, but the layout differs slightly. On the website, log in, click Trips, select your reservation, scroll to the payment section, and click Pay now. On the app, open Trips, tap your reservation, swipe to the payment card, and tap Pay.

Both routes show you the amount due, the due date, and your payment options before you confirm. Both charge your card immediately and send a confirmation email. If you start a payment on the app and want to finish it on the website (or vice versa), you can — Vrbo syncs your account across devices, so the payment will show as complete on both.

If you have trouble on one platform, try the other. App glitches are rare but do happen; switching to the website often resolves them. If the payment button does not appear on either, your first payment may still be processing, or the property owner may not have enabled a second installment option.

Disputing or reversing a second payment

If you were charged twice by mistake, or if you paid but the charge appears twice on your statement, contact Vrbo support through your account. Go to Help, select your reservation, and choose Contact us. Describe the duplicate charge and provide your confirmation numbers. Vrbo support can see your payment history and will issue a refund if a duplicate charge occurred.

Do not file a chargeback with your bank or credit card company without contacting Vrbo first. A chargeback can cause Vrbo to cancel your reservation and flag your account. Vrbo's support team can resolve duplicate charges much faster than a chargeback process.

If you paid your second installment but the property owner claims they did not receive it, ask Vrbo support for a payment receipt showing the date, amount, and confirmation number. Vrbo keeps records of all payments and can confirm to the owner that the charge went through on their end.

Frequently Asked Questions

Can I pay my second payment early?

Yes. If the payment button appears in your reservation, you can pay it anytime, even if the due date is weeks away. Paying early does not affect your reservation or incur any penalty — it simply clears the balance sooner.

What if I want to cancel and get a refund of my second payment?

Vrbo's refund policy depends on the property owner's cancellation terms, which are shown in your reservation details. If you cancel within the allowed window, you may receive a full or partial refund of both payments. If you cancel outside that window, you forfeit the payments. Contact the property owner or Vrbo support to request a refund; do not attempt a chargeback.

Why does my second payment show a different amount than my first?

Some property owners charge a different split — for example, 40 percent at booking and 60 percent before arrival, rather than 50-50. Others add taxes or fees to the second payment that were not visible until after your first payment cleared. Check your reservation details for the itemized breakdown of what your second payment covers.

Can I set up automatic payments for my second installment?

Vrbo does not offer automatic recurring payments. You must manually pay your second installment by the due date. However, you can save your payment method in your account so the payment form fills in automatically when you click to pay.

What if the property owner changed their payment schedule after I booked?

Property owners cannot change your payment schedule retroactively. The terms you agreed to at booking are locked in. If a new due date or payment amount appears in your reservation, contact Vrbo support — this usually indicates a system error or a change the owner made by mistake.