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 Retail Payment Solutions
A better way to pay for what can’t wait
Transform your retail business with Splitit’s flexible payment options. Our credit card installment solution for retail businesses offer 85%+ approval rates, no credit checks, and complete merchant control.
50% of consumers would switch merchants for card-linked installments PYMNTS Intelligence: Consumer Finance Trends Driving the Evolution of Installment Plans
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%.
Retail Payment Solutions for Every Channel
Authorization
Splitit authorizes the full purchase amount on customers’ existing credit cards, temporarily reserving the full amount.
The shopper will need the full purchase amount available as credit on their credit card on the day of purchase.
Installment plan
The first installment processes within seconds of purchase or upon shipping. Subsequent payments are charged automatically each month — no customer action required and no missed payments to chase.
Why Retail Businesses Choose Splitit Over Traditional BNPL
Retailers have embraced Buy Now, Pay Later (BNPL) solutions to boost sales, but traditional providers often create more challenges than benefits. With legacy BNPL, merchants frequently lose control over the customer relationship, face higher checkout abandonment from added friction, suffer from low credit approval rates, and face heightened regulatory scrutiny.
Splitit takes a different approach. Our Installments-as-a-Service platform empowers merchants to offer seamless installment payments under their own brand. By leveraging shoppers’ existing credit, Splitit ensures higher approval rates, smoother checkouts, and full ownership of the customer journey.
As a result, retailers drive more conversions, build stronger customer loyalty, and reduce compliance risk—all while offering the flexibility of installments that shoppers want.
Feature
Legacy BNPL
Splitit
Use Existing Credit No Registration White-label Google Pay/Apple Pay At Checkout Merchant Integrations Industry Agnostic No Credit Check Low Risk Average Order Value $250 $1,000+Proven Success Across Retail Businesses
Insights that boost sales and customer loyalty
Explore strategies that help retailers offer flexible installment payments, creating a smoother path to purchase for customers while driving stronger results for your business.
Thought Leadership
Agentic Commerce Is Here, and Installments Are Already Changing How Shoppers Buy
Read more
Business Growth & Strategies
Why card-linked installments outperform traditional BNPL for electronics retailers
9 min read Read more
Business Growth & Strategies
Gaming consoles to high-end audio equipment: Payment solutions for different electronics price points
6 min read Read more
Customer Experience & Conversion
Cart Abandonment at Checkout: Why Furniture Merchants Lose High-Value Sales
Read more
Business Growth & Strategies
Black Friday Payment Solutions: Why Payment Flexibility Matters Most During Peak Shopping
4 min read Read more
Ready to boost your cart-to-checkout success rate?
Splitit empowers your customers with flexible payment options that drive sales and loyalty. Reach out for a friendly, no-obligations chat!
Frequently asked questions
High-ticket retailers see the greatest impact, including furniture, electronics, jewelry, luxury fashion, and home improvement. However, any retail business wanting to increase average order value and reduce cart abandonment can benefit.
Splitit processes returns according to your existing retail policies. Refunds automatically adjust remaining installment schedules, maintaining your standard customer service procedures.
Splitit guarantees all installment payments through the credit card authorization placed on the customer’s credit card at the time of purchase. Your retail business receives the payment upfront without collection responsibilities.
No. Customers use their existing credit cards through your checkout process. No apps, registrations, or account management required—just seamless purchasing.
Installment payments allow customers to spread the cost of a product or service, instead of paying the whole price at once. Depending on the plan they choose, shoppers only pay a percentage of the cost and pay the rest in equal monthly payments over an agreed period.
Installment payments offer customers the flexibility to purchase higher-end, quality products and services but spread the cost over a time that suits them. Offering installment options to your customers increases conversion, along with average order value and builds brand loyalty. With Splitit, there are never any hidden fees or interest rates and customers can also enjoy the usual benefits of using their existing credit card.
Splitit provides the technology to fully integrate into your existing payment platforms, simplifying the journey to purchase. Our services work as a layer between your ecommerce platform and your existing payment gateway. Splitit can be set up easily via a single API integration, which works globally.
Credit checks are not needed to make use of our Installments-as-a-Service solution and it will not affect your customer’s credit score. All a customer needs is their existing credit card and enough available credit to cover the cost of the purchase.