About Splitit
A card-linked installment payment solution that allows consumers to pay for purchases in interest-free installments using their existing credit cards without new loan applications or credit checks.
Splitit is a card-linked installment payment platform that differentiates itself from traditional Buy Now, Pay Later (BNPL) services by utilizing the consumer's existing credit card limit rather than issuing new loans. This approach eliminates the need for credit checks or lengthy application forms, allowing shoppers to earn their standard credit card rewards while spreading the cost of purchases over time. The platform is highly merchant-focused, offering white-label integration that maintains brand identity throughout the checkout process. Splitit supports a variety of use cases, including e-commerce, in-person retail, and B2B transactions, with specific solutions like 'Pay After Delivery' designed to increase conversion by reducing purchase anxiety. While the platform is robust for high-value items and complex retail environments, merchants should note that it requires a credit card with sufficient available balance to hold the installment plan. Support is provided through a merchant portal, documentation, and direct sales contact, making it a professional-grade tool for businesses looking to offer flexible, responsible financing without the friction of third-party credit providers.
Pros & Cons
- Uses existing credit card limits, avoiding the need for new credit applications or checks.
- Allows customers to continue earning credit card rewards and points on their purchases.
- White-label design keeps the merchant's brand front and center during checkout.
- Supports high-value purchases that traditional BNPL providers may not cover.
- Reduces purchase anxiety for customers through the Pay After Delivery option.
- Requires customers to have sufficient available credit on their existing cards to initiate a plan.
- Pricing is not publicly listed and requires contact with the sales team for custom enterprise quotes.
- Limited customization options for the checkout page compared to some fully bespoke payment gateways.
- Some users may find the reliance on existing credit limits a constraint for smaller purchases.
Features
Key features
Enables shoppers to split purchases into equal monthly payments using their existing credit card limits.
Allows customers to delay payment until their order has been delivered to build trust.
Supports splitting payments directly through digital wallets using existing credit cards.
Provides a seamless, branded checkout experience that keeps customers within the merchant's site.
Offers flexible payment options across in-person, online, and over-the-phone sales channels.
Additional features
Includes built-in security measures to protect transactions and merchant revenue.
Supports international transactions to help merchants expand into new markets.
Delivers instant payment authorization to reduce cart abandonment.
Provides tools for merchants to manage transactions, view reporting, and handle refunds.
Offers a dedicated interface for businesses to manage installment payments for B2B customers.
Allows merchants to manually process installment payments for orders placed outside the standard checkout flow.
Offers developer-friendly tools to embed installment options into existing e-commerce platforms.
Provides customizable messaging widgets to inform customers about payment options during the shopping journey.
Pricing
Countries & Languages
Interface languages
Billing currencies
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About Splitit
A card-linked installment payment solution that allows consumers to pay for purchases in interest-free installments using their existing credit cards without new loan applications or credit checks.
Splitit Details
Splitit's In-App Market Place
Does Splitit have an in-app market place?
Yes
How many Mini-Apps in the marketplace?
4
Mini Apps
Splitit B2B Portal: Allows businesses to set up an online portal for their B2B customers to easily manage their Splitit payments.
Splitit WooCommerce Plugin: Integrates Splitit's payment processing solution with WooCommerce
allowing merchants to offer Splitit installment payments to their customers.
Splitit Virtual Terminal: Enables merchants to manually process Splitit installment payments for orders placed outside of their online checkout process.
Pricing Options
Accepted Payment Currencies
USD ($), EUR (€), GBP (£), AUD ($), CAD ($), JPY (¥), CHF (Fr.), SEK (kr), NOK (kr), DKK (kr), NZD ($), SGD ($), HKD ($), ILS (₪), MXN ($), BRL (R$)
Pros & Cons
- Uses existing credit card limits, avoiding the need for new credit applications or checks.
- Allows customers to continue earning credit card rewards and points on their purchases.
- White-label design keeps the merchant's brand front and center during checkout.
- Supports high-value purchases that traditional BNPL providers may not cover.
- Reduces purchase anxiety for customers through the Pay After Delivery option.
- Requires customers to have sufficient available credit on their existing cards to initiate a plan.
- Pricing is not publicly listed and requires contact with the sales team for custom enterprise quotes.
- Limited customization options for the checkout page compared to some fully bespoke payment gateways.
- Some users may find the reliance on existing credit limits a constraint for smaller purchases.
Splitit's Support Options
Email Address
support@splitit.comContact
+1 844-775-4848Documentation
https://www.splitit.com/for-merchants/documentation/Live Chat
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