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
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 benefitsWhere Splitit works
Why merchants choose Splitit’s card-linked installments?
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!
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.