Future-proof your BNPL strategy

Emma

ReST

Simba

James Allen

Canyon

Nectar

Gem Shopping Network

Vestiaire Collective

A more responsible way to pay

Splitit is not a lender. We provide a more responsible installment option for consumers, without adding new loans. We never charge consumer fees. Because there is no need for a credit check, there is no negative impact on a consumer’s credit score.

We are the only installment payment solution that allows shoppers to use their existing credit card at checkout without increasing their debt.

Regulations are changing for legacy BNPL providers, be prepared and act now.

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Splitit’s Key Differentiators

Deliver highest checkout conversion

Embedded White-label solution, 100% acceptance, no underwriting with an average approval rate of 85%

Drive incremental sales

Target prime consumers with high purchasing power, 600+ FICO, with card installments supporting higher AOV

Drive shopper-merchant loyalty

Increase repeat purchase and eliminate the threat of disintermediation with your customers

Omnichannel & Global capabilities

Leverage your existing payment rails, via a single API to drive POS and global acceptance

Futureproofed

Zero regulatory risk, responsible consumer spending, with no fees and no impact to their credit score.

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Your data is your data

We don’t harvest consumer data for our financial gain – it all stays in the merchant’s control.

Splitit unlocks $3.3T of existing available credit

Out of $4.1T credit issued on US cards, 80% is unutilized. Splitit unlocks $3.3T of existing available credit and allows shoppers to split their payments using the credit they have already earned, without paying interest.

How Splitit works

Graphic showing how Splitit unlocks $3.3T of existing available credit

Splitit’s White-label Experience. Why it’s important?

Splitit is not a payment method, an offers engine or a super app. We want brands to own their customer relationships, that’s why we provide the tech and let Merchant’s control the rest.

Merchants own the end-to-end journey

Our white-label solution puts your brand at the centre, allowing you to keep control of your customer journey, increasing your brand loyalty.

Embedded Installments-as-a-Service

Splitit provides the technology that empowers you to offer installment payments embedded within your existing customer journey.

No third-party registration or redirects

Because Splitit is embedded into you current purchase flow, any consumer with an active credit card can use the service – there’s no registration or application needed!

No data harvesting

Unlike legacy ‘Buy now, pay later’ providers, we don’t acquire your customers, harvest their data, or cross-sell to them. Your shoppers remain your shoppers.

Real Businesses. Real Stories.

Don’t just take our word for it.

Splitit has helped thousands of businesses around the world to offer flexible pay-over-time options to their customers, using their existing credit card, in a more responsible way.