“I think maybe 80% of our Splitit transactions are families that we probably would have not enrolled had you guys not been there.”
Maria Aruca Regional Director, Huntington Learning Center
View success story Card-linked installments for merchants
Card-linked installments use the credit your customers already have to split purchases into monthly payments, so there are no applications, loans, or added fees.
Fully embedded at checkout Seamless integration with your existing ecommerce platform
Highest approval rates 85%+ acceptance vs industry average of 35%
No new loans or applications Customers can use their existing credit cards
White-label experience Maintain complete control of your brand and customer journey
What is Splitit?
Splitit is the world’s largest card-linked installment platform, purpose-built for merchants who sell high-value products and want payment options that match. The result is a faster, higher-converting checkout that attracts financially savvy shoppers who prefer to use the credit they’ve already earned over taking on new debt.
What are card-linked installments?
Card-linked installments are built on something your customers already trust: their credit card. The average US cardholder has over $35,000 in available credit sitting unused. Card-linked installments put that credit to work, letting customers spread the cost of a purchase across monthly payments while keeping their rewards, their credit score intact, and their existing card relationship untouched.
For merchants, that means higher approval rates, less checkout friction, and customers who are already financially qualified before they even reach your checkout.
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Fully embedded at checkout
Seamless integration with your existing ecommerce platform
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Highest approval rates
85%+ acceptance vs industry average of 35%
-
No new loans or applications
Customers can use their existing credit cards
-
White-label experience
Maintain complete control of your brand and customer journey
Why merchants choose Splitit over traditional financing
Because Splitit works with the credit your customer already has, there are no applications, no credit checks, and no approval waiting periods. You can take a customer from quote to payment plan in seconds — and get back to the job.
Feature
Traditional financing
Splitit
Customer pays over time Get paid upfront Approval rate Varies 85%+ Closed on the spot No approval process No credit check Customer keeps card rewards and benefits Mobile installments 
Where Splitit works
Splitit works wherever your customers buy, and however your business operates.
In-person
Simply share a QR code or send a payment link via email or SMS. Your customers can select a payment plan that suits them best.
On the phone
Accept payments over the phone and let your customers choose their preferred number of installments without the need for new credit applications.
Online
Integrate Splitit’s installment options directly into your checkout process, or send a payment link to your customers.
Industries we work with
Splitit’s installment solutions are built to work across industries. From healthcare to home services and beyond, we help businesses offer better ways to pay, without compromise.
E-commerce
Increase conversion and order value by letting customers pay over time, without leaving your checkout or applying for new credit.
Education
Make tuition and program costs more accessible with predictable installment plans.
Healthcare
Give patients the freedom to manage medical expenses over time – without interest, credit checks, or new loans.
Home Services
From major repairs to ongoing maintenance, Splitit makes it easy for customers to pay over time using the credit they already have.
Industries we work with
Splitit’s installment solutions are built to work across industries. From healthcare to home services and beyond, we help businesses offer better ways to pay, without compromise.
Increase conversion and order value by letting customers pay over time, without leaving your checkout or applying for new credit.
Learn moreMake tuition and program costs more accessible with predictable installment plans.
Learn moreGive patients the freedom to manage medical expenses over time – without interest, credit checks, or new loans.
Learn moreFrom major repairs to ongoing maintenance, Splitit makes it easy for customers to pay over time using the credit they already have.
Learn moreWhy merchants choose Splitit’s card-linked installments?
FAQs
Traditional BNPL originates a new loan at checkout. Card-linked installments use the credit your customer already has on their existing card. The result is a faster checkout, higher approval rates, no new debt for the customer, and a payment experience that stays entirely under your brand.
Splitit is a card-linked installment platform, which is fundamentally different from traditional BNPL. Rather than originating a new loan at checkout, Splitit uses your customer’s existing credit card.
No. There’s no application, registration, or credit check involved. Customers simply enter their existing credit card details at checkout and choose how many installments they want.
Splitit places an authorization hold on the customer’s credit card for the full purchase amount at the point of sale. This guarantees each installment payment. Merchants are never responsible for chasing payments or absorbing defaults.
Integration timelines vary depending on your setup. Your account team will guide you through the right approach for your business.
Splitit’s fees vary; there are no setup fees and no design or implementation costs. For a quote based on your specific setup, get in touch with the Splitit team or check out our pricing plans.
Yes. Splitit works across every channel your business operates in, online, in-store, and over the phone, all through the same integration.
Getting started with Splitit
Ready to see what it looks like for your business? Contact our team or visit out Help Center for more information. Partner with Splitit to unlock flexible payment solutions that work for you and your customers. Get in touch today!