The Splitit Help Center

I’ve just made a purchase using Splitit. What happens now?

Now that your purchase is complete, we will take care of the rest. There is no further action needed on your part.

When you buy using Splitit, the Retailer charges your first installment immediately (for some purchases this may be later if your goods are being shipped on a future date). 

Future monthly installments are automatically charged each month on the anniversary of your first payment. This date cannot be changed. Monthly installments show as ‘charged’ or ‘posted’ on your account.

You don’t need to do anything else.

In addition to your monthly installment payments there is also an Authorization to guarantee your purchase. An authorization for the full purchase amount is put on hold/reserved upon plan creation. This is not a charge.

  • For most plans the authorization will disappear within 30 days or less of your purchase. 
  • For some plans the authorization will be periodically re-authorized (at lower amounts as you make installment payments) until your plan is complete. 
  • The length of these authorizations is determined by your bank or credit card provider, so contact your financial institution directly for questions.

These authorizations temporarily reduce the amount of credit available, but again, are not a charge, and are required to guarantee your full purchase amount.

You can check the details of your plan, update your credit card (if needed), make additional payments, and whether a re-authorization is due (when and for how much), in the Splitit shopper portal. 

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