Flexible payments made simple

Unlike traditional buy now pay later solutions, Splitit uses your existing credit card for instalments. This means no credit checks, no new loans, and no impact on credit scores.

Please visit our support centre.

No, unfortunately not. We are only able to accept credit cards at the present time.

Splitit is supported by Visa, Mastercard, and depending on the merchant, American Express, Discover and UnionPay.

You can find all our terms and conditions here.

Yes.

Splitit helps consumers use their existing credit card to turn purchases into smaller, monthly payments.

The full amount of your purchase is authorised (held) on your credit card to guarantee future payments so you need to have at least that amount in available credit on your card.

The authorisation amount reduces with each monthly payment you make until the balance is cleared and we renew these authorisations periodically. The previous authorisation is removed as soon as we receive a new one.

Payments are the regular monthly or bi-weekly charges toward your purchase.

Authorizations are temporary verifications for the remaining balance, ensuring your plan can continue without interruption. You’ll only be charged for your installment amount on each payment date. Please note an authorization is not an actual charge.

In most cases the hold is only temporarily held on your card and the duration is dependent on your issuing bank. In some cases the hold may remain on your card for the duration of your payment plan. Please check with the business you are purchasing from for more details.

To see exactly how your plan works, log in to the shopper portal and under ‘Plan Details’ click on ‘How Splitit Works?’. This will take you to a detailed explanation of your particular plan.