Beyond traditional Buy Now Pay Later solutions
We are the only BNPL solution that allows shoppers to use their existing credit card at checkout without increasing their debt.
Credit card installments unlock huge potential
1.2bn approved customers
Anyone with a credit card can use Splitit, anywhere in the world – no registration, application, or underwriting required.
$35,474 avg. credit available
Customers can maximize their purchasing potential using the credit they have already earned, without paying interest.
85%+ approval rate
Our integrated technology delivers over 85% approval rates, versus an industry norm of 35%-40%.
“We can propose Splitit for high-value items, where we could not with other buy now, pay later solutions”
Frictionless, fast and flexible
Splitit is an alternative to BNPL that lets you offer installment payments your way: fully embedded, zero friction, and always on-brand.
Own the end-to-end journey
Splitit places your brand at the heart of every transaction, ensuring that you maintain complete control over the customer experience.
By managing the entire journey, you can tailor the shopping experience to reflect your brand’s unique values and drive repeat business.
Use existing credit
Splitit removes the high risks of traditional BNPL by using existing credit, meaning there is no underwriting and we won’t hurt your shopper’s credit rating.
Plus, shoppers get all the benefits of paying with their credit card, including rewards, transaction insurance and protection against fraud.
No registrations or redirects
Splitit embeds into your current purchase flow, allowing any consumer with an active credit card to use the service – there’s no registration or application needed.
Our seamless integration keeps the checkout smooth and straightforward, resulting in higher conversion rates and a checkout that is quick, easy, and secure for your shoppers.
The future-proof pay-later option
Traditional BNPL is under pressure: stricter regulations, low approvals, and lost control over the customer journey. Splitit’s Installments-as-a-Service platform eliminates the risk, keeps you in control, and works globally with the credit cards your customers already trust.
Feature
Legacy BNPL
Splitit
No registration No credit check No cross-selling Embedded at checkout Low Risk Merchant integrations Average order value $250 $1,000+ Approval rate 35-40% 85%+Why businesses choose Splitit over traditional BNPL
Higher success rates
Traditional financing companies approve only 30-40% of applications. Splitit achieves 85%+ approval rates because we work with existing credit instead of creating new loans. This means more completed transactions and higher revenue for your business.
Better customer experience
Traditional financing creates friction with applications and approvals taking place outside of your site. Splitit works instantly directly at your checkout – customers enter their card details, choose installments, and complete their purchase in seconds.
Target premium customers
Splitit appeals to financially savvy customers with high credit availability who would traditionally shy away from BNPL. These premium customers (typically 700+ FICO scores) have substantial unused credit and prefer using familiar payment methods over taking out new loans. This means higher average order values and more reliable payments for your business.
Merchant control
Traditional BNPL companies often control the customer relationship and may redirect shoppers to competitors. With Splitit, you maintain complete control over branding, customer data, and the entire purchase journey.
Let’s build smarter payment solutions together
Partner with Splitit to offer buy now pay later financing that actually works for you and your customers. Our innovative approach eliminates the barriers of traditional financing while increasing approval rates, conversion, and customer satisfaction.
Ready to move beyond traditional financing limitations?
Frequently asked questions
Unlike traditional BNPL that creates new loans, Splitit uses customers’ existing credit cards. This results in 85%+ approval rates vs 30-40% for traditional BNPL, with no impact on credit scores or need for applications.
Fees vary based on your business model and transaction volume. Contact our team for a customized pricing proposal based on your specific needs.
Most integrations complete within 2-4 weeks depending on your technical requirements. We provide comprehensive API documentation, sandbox environments, and dedicated integration support.
Splitit achieves 85%+ approval rates because we use existing credit rather than creating new loans. This is significantly higher than traditional BNPL solutions that average 35-40%.
Customers need sufficient available credit on their existing card, but there’s no separate credit check or application process. This makes it accessible to customers who already have credit cards with available limits.
Traditional BNPL typically caps purchases at lower amounts. Splitit works with any purchase amount up to the customer’s existing credit limit, making it ideal for high-ticket items where other BNPL providers decline.
No. Since Splitit operates under existing credit card regulations rather than creating new loans, we’re not subject to the increasing BNPL-specific regulations affecting the industry.