E-commerce Payment Solutions
The world’s largest card-linked installment provider
Splitit’s Installments-as-a-Service empowers e-commerce merchants to retain customers, drive conversions, and increase average order value.
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 average of 35%-40%.
White-label, frictionless installments
Splitit provides the technology that empowers you to offer installment payments embedded within your existing customer journey.
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.
Unlike traditional BNPL providers that redirect customers or display competing offers, our white-label approach keeps shoppers focused on your products and brand.
By managing the entire payment journey within your e-commerce platform, you can:
- Tailor the shopping experience to reflect your brand values
Build stronger customer relationships without third-party interference - Drive repeat purchases through consistent brand messaging
Leverage existing credit for e-commerce transactions
Splitit removes the high risks of legacy BNPL by using existing credit for installment payments, eliminating underwriting requirements and protecting your shoppers’ credit ratings.
Plus, shoppers get all the benefits of paying with their credit card, including rewards, transaction insurance and protection against fraud.
Benefits for your e-commerce customers:
- Earn credit card rewards and points on every purchase
- Maintain transaction insurance and fraud protection
- No impact on credit score or credit history
No registrations or redirects
Splitit embeds into your current e-commerce checkout flow, allowing any consumer with an active credit card to split their purchase – 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.
We can propose Splitit for high-value items, where we could not with other buy now, pay later solutions
Splitit has definitely been a big factor in increasing our conversions and overall interest in our product.
The future-proof e-commerce payment solution
Splitit’s Installments-as-a-Service platform is a new way to drive installment payments through a merchant-branded experience.
While merchants are experiencing increased sales with legacy BNPL, they also face several challenges: losing control of consumer relationships, poor checkout conversion due to consumer friction, low credit approval rates and heightened regulatory scrutiny.
Splitit’s Installments-as-a-Service solution brings you:
Merchant-branded experience – customers never leave your site
Instant approvals – no applications or credit checks required
Higher acceptance rates – leverage existing credit card limits
Regulatory compliance – operates under established credit card regulations
Complete data ownership – you retain all customer information
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+Customize your e-commerce installment payment plans
Monthly installments
Bi-weekly installments
Partial installments
Pay after delivery
Ready to transform your e-commerce payment experience?
Splitit empowers your customers with flexible payment options that drive sales and loyalty. Reach out for a friendly, no-obligations chat!
Frequently asked questions
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.
Splitit complements your existing BNPL by giving shoppers another way to pay without taking on new debt. Instead of applying for a loan, customers use their existing credit cards to split purchases into monthly payments.
With Splitit there are no applications, no redirects, and no new accounts to manage. In fact, consumers spend over 3x more with Splitit than with traditional BNPL options, because it’s so easy to enter into a plan.
Offering Splitit alongside your current solution gives customers more flexibility, reduces friction, and drives significantly higher average order values.
Splitit and PLCCs serve very different customer segments. PLCC shoppers tend to be loyal to the brand and actively choose financing with extended terms and perks.
Splitit, on the other hand, appeals to customers who either don’t want to open a new line of credit, prefer using their existing card, or simply want a faster pay-later option. What we typically see is that Splitit complements your PLCC – it doesn’t replace it.
Splitit drives real incremental growth by helping customers convert who might otherwise abandon checkout. It doesn’t just shift tender from other payment types; it unlocks purchases that may not have happened at all.
By letting customers use their existing credit card to pay over time, Splitit removes friction at the moment of hesitation. That’s often enough to turn “not yet” into “yes.”
Merchants also report that Splitit captures buyers earlier in the journey, especially those who aren’t ready to open a store card or apply for financing. It gives you access to customers who value flexibility but prefer not to take on new credit.
Splitit isn’t about replacing your current payment options; it’s about converting more shoppers who might otherwise walk away.