The Splitit Team has been taking good care of us. It’s been a great partnership and we are all really happy with the results from both sides!
Christian Steyer Team Manager Business Development at Canyon
View success story BNPL for business
Beyond traditional Buy Now Pay Later solutions
Our card-linked installment platform lets shoppers split payments using credit they already have. There are no new applications, no new debt and much higher approval rates for your customers.
Use existing credit Customers split payments using the credit they already have, while still earning points and rewards.
Keep your customers We never cross-sell, upsell, or promote other brands. Your shoppers stay loyal to you.
Already regulated Splitit uses existing credit cards and is already governed by existing financial regulations, not BNPL grey areas.
The BNPL solution that delivers results
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 average of 35%-40%.
“We can propose Splitit for high-value items, where we could not with other buy now, pay later solutions”
Frictionless checkout installments built for e-commerce growth
Splitit is an alternative to BNPL that lets you offer installment payments your way: fully embedded, zero friction, and no third-party logos cluttering your website
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.
How Splitit compares to traditional BNPL providers
Unlike traditional BNPL, Splitit works with the credit your customers already have. As a result, approval rates exceed 85%, checkout stays seamless, and your brand stays front and center throughout.
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
Splitit achieves 85%+ approval rates because we work with existing credit instead of creating new loans, compared to traditional financing companies that approve only 30-40% of applications. This means more completed transactions and higher revenue for your business.
A better customer experience at checkout
Traditional financing creates friction with applications and approvals taking place outside of your site. Splitit integrates directly into your checkout – customers enter their card details, choose their installment plan, 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.
Complete 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.
Future-proof and fully compliant
Governments around the world are tightening BNPL-specific regulations. Because Splitit operates within existing credit card regulations rather than creating new loans, merchants using Splitit face no additional regulatory exposure as BNPL regulations evolve.
BNPL merchants across every sector
Real merchants. Real results.
Latest insights on buy now, pay later
Practical insights to help your business navigate the shifting BNPL landscape, improve payment approval rates, and offer customers a more responsible path to flexibility.
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Ready to move beyond traditional BNPL?
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
Buy now, pay later is a payment method that lets shoppers split the cost of a purchase into a series of smaller payments over time, rather than paying the full amount upfront. For merchants, offering BNPL at checkout has become an increasingly important tool for reducing cart abandonment, increasing average order values, and reaching customers who prefer payment flexibility.
Traditional BNPL providers, such as pay-in-4 and point-of-sale lending platforms, work by issuing a new short-term loan at checkout. Each transaction triggers a credit check, an application process, and a new debt for the shopper.
Card-linked BNPL takes a different approach. Rather than creating new credit, it uses the credit a shopper already has on their existing card. Shoppers simply choose their installments at checkout and pay using the card already in their wallet.
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.