The Splitit Help Center

How does Splitit work?

When you buy using Splitit, the retailer takes your first instalment straight away, this may be later if your goods are being shipped at a later. The rest of your monthly instalments are automatically taken on the same date as your first one. This date cannot be changed. Monthly instalments show as ‘charged’ or ‘posted’ on your account.

In addition to your monthly instalment payments, the full outstanding amount is authorized (held) on your card to guarantee future payments. Authorizations are usually renewed every 17-21 days until your plan is paid off. Authorizations get smaller with each instalment paid. The previous authorization is released once a new one is obtained. Authorizations show as ‘pending’ or ‘reserved’ on your account. If your plan is kept on track, these authorizations are not charged. 



Click here to find out what happens if your plan does not stay on track.


Click here for more information about how Splitit works.

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