Omnichannel payment solutions built on existing credit
Meet your customers wherever they buy. Splitit brings card-linked installments in-store, online, and over the phone.
Why merchants choose Splitit for omnichannel payments
85%+ approval rates
Splitit uses the credit your customer already has on their existing card, which means approvals happen immediately and deals don’t stall while people wait for a decision.
23% increased order values
Merchants using Splitit see significant increases in average transaction size, because monthly installments make larger purchases feel manageable.
Loved by customers
Because customers are using the card they already trust, the experience is familiar and friction-free – plus they keep their benefits, including reward points and fraud protection.
Installment Payments. Anywhere.
Omnichannel installment payments let customers split a purchase across monthly payments regardless of where the sale happens. In-store, online, or over the phone, they get the same payment option and the same experience every time.
Most omnichannel installment solutions still require the customer to apply for credit, which creates friction that varies by channel. Card-linked installments use the credit they already have on an existing card, there is no application to complete, no new account to open, and no approval delay regardless of where the sale takes place.
In-store & on-site installment payments
Create a payment plan at the point of sale and share it instantly via QR code, SMS, or email. Your customer selects the number of installments that works for them, without lengthy application forms or waiting for credit decisions.
Phone and remote sales
Accept installment payments during phone sales, service calls, or remote consultations without breaking the flow of the conversation. Your team completes the transaction while the customer is still engaged.
Online checkout intergration
Integrate Splitit directly into your checkout or send a payment link ahead of purchase. The experience can be made fully white label. Your branding used throughout, with no third-party logos, no redirects, and no competitor products surfaced to your shoppers at the moment they’re ready to commit.
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 benefitsBuilt for businesses that sell across multiple channels
Splitit’s omnichannel installment solution is used across industries where selling happens in more than one place. We help businesses offer better ways to pay, without compromise.
Home services & contractors
Close jobs on site by offering payment flexibility at the moment of the quote. You get paid upfront while customers pay over time, which means you can move forward on parts and labor immediately.
Medical & dental
Remove the affordability barrier that stops patients from committing to elective or high-cost care. When patients can spread the cost, they schedule sooner and your calendar fills faster.
Automotive
Increase service tickets and upgrade sales by offering flexibility at the point of decision. Customers who might have declined additional work can say yes when monthly installments make it manageable.
Retail
Offer installments in-store and online with one platform that works across every sales channel. Meet customers wherever they shop and increase your average transaction value across the board.
Built for businesses that sell across multiple channels
Splitit’s omnichannel installment solution is used across industries where selling happens in more than one place. We help businesses offer better ways to pay, without compromise.
Close jobs on site by offering payment flexibility at the moment of the quote. You get paid upfront while customers pay over time, which means you can move forward on parts and labor immediately.
Learn moreRemove the affordability barrier that stops patients from committing to elective or high-cost care. When patients can spread the cost, they schedule sooner and your calendar fills faster.
Learn moreIncrease service tickets and upgrade sales by offering flexibility at the point of decision. Customers who might have declined additional work can say yes when monthly installments make it manageable.
Learn moreOffer installments in-store and online with one platform that works across every sales channel. Meet customers wherever they shop and increase your average transaction value across the board.
Learn moreFrequently Asked Questions
Most payment solutions offering installments are primarily built for online checkout and treat in-store or phone payments as an add-on. Splitit is designed to work consistently across all three channels. Because it uses your customers’ existing credit cards rather than creating new loans, the experience is identical whether a customer is at your counter, on your website, or on the phone with your sales team.
No. Splitit uses the credit your customers already have on their existing card. There is no application, no credit check, and no new loan created. Customers simply choose their number of installments and confirm with the card they already carry.
Yes. You can use Splitit Go for in-person and phone-based transactions, and Splitit’s e-commerce checkout for online orders.
Maximize conversions with premium payment processing
See for yourself how Splitit can enhance the customer experience for luxury goods. Reach out for a friendly, no-obligations chat!