Credit card-linked installments
The only embedded, white-label, installment payment solution that allows shoppers to use their existing credit card at checkout.
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Get more flexibility with Splitit
Consumer behavior around unplanned expenses is changing fast
Our latest report with PYMNTS, How Consumers Manage Unplanned Expenses, offers a detailed look at how shoppers are financing surprise purchases—and what it means for businesses in 2025 and beyond.
- 30% of Credit Card Users Choose Card-Linked Installments
- High-Credit Consumers Are 1.5x More Likely to Finance Purchases
- 53% of Consumers Are Concerned About Affording Unexpected Expenses
Installments-as-a-service
Empowering the entire payments value-chain
Consumer
Splitit enables consumers to shop more responsibly. There’s no added debt, interest or hidden fees, plus they get all the benefits of paying with their existing credit card, including rewards, transaction insurance and protection against fraud.
Merchant
Our white-label plugin allows merchants to nurture and retain their customers, driving loyalty and promoting brand consistency. Splitit’s zero-friction checkout drives the highest conversion and the highest approval rates.
Processor
Our easy to implement single global API enables merchants to use their existing processor and existing back office, allowing the payment processors to retain their merchant relationships.
Network
Splitit’s technology leverages the existing global credit card payment rails, seamlessly integrating installments at the checkout and enabling networks to play a part in the installments value-chain.
Issuer
Splitit’s white-label, issuer agnostic, solution allows more issuers to be part of the installment payments process and not be forced out by the fintechs and the larger banks.
Why leading brands choose Splitit
85%+ approval rates No credit checks, no applications, no friction – just instant approvals that convert browsers into buyers.
3x higher average order value Splitit customers spend $1,100+ on average vs $350 with traditional BNPL.
Target premium customers (700+ FICO) Splitit attracts affluent consumers who love their credit card rewards and avoid traditional financing.
Keep your customer relationship With Splitit there are no redirects, no remarketing, and no competing offers down the line.
Future-proof and regulation ready While BNPL faces tightening regulations worldwide, Splitit operates under existing credit card regulations and we are already compliant with CFPB/FCA standards.
Industries we work with
We can propose Splitit for high-value items, where we could not with other buy now, pay later solutions
Splitit has definitely been a big factor in increasing our conversions and overall interest in our product.
Insights that drive results
Business Growth & Strategies
How EdTech Can Stay Ahead with Flexible Payment Solutions
2 min read Read more
Reports & Insights
New Study reveals a strong preference for pay-later options during the holiday season
5 min read Read more
Business Growth & Strategies
Boosting Sales for Residential Window Replacement Companies with Card-Linked Installments
2 min read Read more
FAQs
Customers simply enter their existing credit card details at checkout and choose their preferred installment plan. Splitit authorizes the full amount but only charges monthly installments, using available credit without creating new debt.
Splitit delivers 85%+ approval rates compared to the 35% industry average for traditional buy now pay later solutions. Since we use existing credit rather than underwriting new loans, qualification is instant and friction-free.
Yes, Splitit operates under existing credit card regulations and is already compliant with FCA/CFPB standards. Unlike other BNPL providers facing regulatory scrutiny, our card-linked approach is future-proof and regulation-ready.
Our credit card-linked installments serves diverse industries including healthcare, education, home services, e-commerce, luxury goods, and electronics. Any business with higher-ticket items benefits from card-linked installments.