Splitit Zero

Zero interest. Zero friction.

With Splitit Zero your customers can pay over time using the credit they have already earned on their credit card without paying interest.

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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%.

How Splitit Zero works

Splitit Zero lets you offer interest-free* installments directly at checkout without redirecting your customers or handing over your customer to a third party.

Splitit guarantees the purchase, by placing a hold on the credit card. This is not a payment, it’s just a pre-authorization that allows your customers to pay off the balance over time, before accruing any additional interest.

1. Set your installment terms

Choose the number of installments that works for your business. Your customers pay over time, interest-free*, using the credit they have already earned.

2. Own the experience

Splitit’s white-label solution gives you full control of the branding and messaging. With no 3rd-party logos to clutter your website, our pay-later solution puts your brand at the center, allowing you to keep control of your customer journey and increase your brand loyalty.

3. Offer Splitit at checkout

Your customers see the installment options during checkout and create their payment plan using their existing credit card with no applications or redirects. Splitit authorizes the full amount of the purchase on the customer’s existing credit card.

Turn flexibility into long-term value

Splitit Zero helps you increase average order value and drive repeat purchases by offering your customers a better way to pay. With no added interest, no friction, and no third-party interference, you’re giving them more reasons to choose you, again and again.

Frictionless installments

There are no applications, redirects, or third-party sign-ups. Customers stay on your site and complete their purchase in a single, uninterrupted flow with no interference, no cross-marketing, and no competing offers down the line.

We can propose Splitit for high-value items, where we could not with other buy now, pay later solutions

Pedro Bennasar, Head of Payments, Vestiaire Collective Read the full story

Splitit has definitely been a big factor in increasing our conversions and overall interest in our product.

Alicia Fernandes, Project Manager at Emma Read the full story

Compare our products

Splitit Zero helps you deliver a frictionless payment experience with no added interest for the customer, that drives higher order values and repeat purchases. Discover how Splitit Zero compares to Splitit Flex.

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Feature

Splitit Flex

Splitit Zero

Consumer funded, or shared with the merchant Fully funded by the merchant Customer interest/fees Flexible (from 0%) 0%* Approval rate 85% 85% Use existing credit card No credit check Get paid upfront Max order value $10,000** $10,000** Max number of installments 12 12

*Splitit does not charge any interest to the customer. Standard credit card T&Cs still apply.
**A limit of $10,000 is set by default. Please contact us for other options.

Let’s build smarter payment solutions together

Partner with Splitit to unlock flexible payment solutions that work for you and your customers. Get in touch today!

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