Simple monthly payments

Giving your customers the flexibility to pay over time using the credit they have already earned

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Drive more conversions

With no registrations, a fast checkout and high approval rates, Splitit on average drives 30% more conversions.

Retain your customers

At Splitit, we don’t acquire your customers, harvest their data, or cross-sell to them.

More responsible

Splitit unlocks $3T of existing underwritten credit, so there’s no need for consumers to take out a new loan.

Splitit - Buy Now Pay Later Business Services

How Splitit works

Splitit makes monthly payments easy, secure, and convenient because it makes use of the credit your customers already have.

Provide the customer with a Splitit payment link or QR code. They can receive the link via an email or SMS.

The customer opens the payment link on their browser or smartphone, enters their credit card details and chooses from 3, 6, 9 or 12 monthly payments.

Their card will be charged for the first payment. A temporary hold (authorization) will be taken for the total remaining balance to guarantee future payments. This authorization uses the existing credit available on their card, so they don’t need to take out a new loan.

Get started with Splitit


Start with creating your Splitit account to get access to the Merchant portal, where you can control your installment settings.

Share with your customers

Download our brochure to print and share with your customers


Splitit provides you with the option to offer your customers 3, 6, 9 or 12 monthly payment plans. Huntington Learning Centers are on a funded plan, so that means you will receive the funds upfront when your customer makes a purchase.

Application fee $75
Transaction fees
3 month plans
6 month plans
9 month plans
12 month plans


Frequently asked questions

Applicants must go through KYC and an underwriting process in order to be approved.

After you have completed your online registration, we will contact you to ask for additional documents. We normally require:

  • CPA-compiled financial statements (Balance Sheet and Profit and Loss statement) or a complete U.S. Corporation Income Tax Return for the most recent fiscal year.
  • Internally prepared year-to-date financial statements (Balance Sheet and Profit and Loss statement).
  • Complete monthly statements/invoices from your current merchant account provider or payment gateway (must show chargebacks and refunds) for the past 3 months.
  • Full names, dates of birth, home addresses, and photo IDs for all beneficial owners with 25% or more ownership in the company.

If the plan is canceled, our system will recalculate the fees according to the number of days that the plan was funded and the amount still owed to Splitit. Splitit will then direct debit the merchant for the amount owed to Splitit.

If the card expires or is canceled, the customer has a 7 day grace period to update their information in their portal. If it isn’t resolved within the 7 days then the remaining amount owed (pre-authorization remaining) is then charged.

Splitit eliminates the credit risk for the merchant. We guarantee the full amount of the purchase so there is no risk that the merchant will not receive the payment.

All transactions are paid to the merchant within 3 business days.