Flexible payments made simple
Use your existing credit card. No lengthy applications needed.
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Flex your credit
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Authorization
When you use Splitit, we place an authorization on your existing credit card for the full purchase amount. If your plan includes interest, you may also see a second, smaller authorization for the interest portion.
In most cases, these holds are temporary and may drop off over time. However, some banks may keep the hold in place for the entire duration of your plan. Because this is determined by your credit card provider, it’s best to check with your bank or the business you’re purchasing from if you have questions.
To use Splitit, you’ll need enough available credit on your card to cover the full purchase amount at the time of checkout—even though only the first installment will be charged right away.
Installment plan
The first installment is charged a few seconds after the purchase authorization or upon shipping, depending on the merchant and your selected plan.
Splitit will charge your credit card every month until the plan is finished.
Still have questions about how Splitit works?
You can find answers to our most commonly asked questions here. If you can’t find what you’re looking for, please visit our Support center where you’ll find lots more answers, plus you can live chat with us.
Retail Plan: In this option, Splitit enables the merchant to offer you the ability to pay in installments using your existing credit card with no added fees. Your credit card issuer’s terms and fees still apply.
Splitit Financing: In this case, Splitit provides the installment plan directly to you via the merchant’s checkout. Finance charges apply and are clearly shown to you before you confirm. The terms and rates are outlined in the agreements you have received.
To check which type of plan you are on, please log in to your shopper portal.
You can start a live chat with us, or visit our support center.
No, unfortunately not. We are only able to accept credit cards at the present time.
The supported credit cards vary depending on the merchant and plan selected. We typically accept Visa, Mastercard, and depending on the merchant, American Express, Discover and UnionPay.
Retail Plans are available in most parts of the world, depending on the merchant’s locations.
Splitit Financing is only available in the United States, excluding the states of Alabama, Alaska, Arkansas, California, Connecticut, Delaware, Florida, Hawaii, Indiana, Kentucky, Massachusetts, Minnesota, Mississippi, Nebraska, Nevada, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Dakota, Texas, Vermont, Virginia, and Washington. Please see Splitit.com/legals/licensing/ for license and disclosure information.
You can find all our terms and conditions here.
Yes. Splitit helps consumers use their existing credit card to turn purchases into smaller, flexible payments.
The full amount of your purchase, plus finance charges if your plan includes interest, is authorized (held) on your credit card to guarantee future payments so you need to have at least that amount plus finance charges in available credit on your card.
When you create a Splitit plan, you will see two transactions on your card:
Installment Payments – These are the regular monthly or bi-weekly payments you make toward your purchase. Your first installment is charged within 48 hours of your purchase date (or later if your order ships later). The remaining installments are automatically charged on the same day each month or every two weeks, based on your plan. This date cannot be changed. These charges will appear on your credit card as ‘posted’ or ‘charged’ amounts.
Authorization Hold – In addition to your regular payments, we place an authorization on your card for the full remaining balance of your plan, plus any interest if your plan includes finance charges. This is not a charge—just a temporary hold to guarantee your future payments.
In most cases, the authorization hold on your credit card is temporary. The exact length of time it stays on your card depends on your bank or credit card provider. Sometimes, the hold may stay in place for the full duration of your payment plan.
Because this timing is set by your bank, not by Splitit, please contact your financial institution directly if you have questions about how long the hold will remain.
The authorization is required to create your installment plan and may temporarily reduce your available credit, but it is not a charge.
To see exactly how your plan works, log in to the shopper portal and under ‘Plan Details’ click on ‘How Splitit Works?’. This will take you to a detailed explanation of your particular plan.
If your plan includes interest, the installment amount and the interest are authorized separately on your credit card.
For Retail Plans there are no additional fees or interests. Your credit card issuer’s terms and fees apply.
For Splitit Financing a finance charge of up to 36% may apply, depending on state and federal laws; however, Splitit does not charge any late fees, prepayment penalties, or other associated fees.
No. No new credit checks are required to use either a Retail Plan or Splitit Financing. Splitit does not report to the credit bureaus.
