Future-proof your BNPL strategy

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


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.

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.

"Splitit has definitely increased our sales and our customers’ confidence when buying. I highly recommend them to any retailer, small or large." Furkan Temel CEO of Rubeza LTD View Success Story →
"Splitit has helped us work steadily toward our goal of bringing life changing sleep technology to as many people as possible" Lloyd Sommers General Manager at ReST View Success Story →
"Splitit has definitely been a big factor in increasing our conversions and overall interest in our product. " Alicia Fernandes Project Manager at Emma View Success Story →
"Splitit has boosted business at Simba, allowing us to make the world’s most 5 star reviewed mattress affordable to an even wider range of customers." Paul Blunden CFO at Simba View Success Story →
"It’s a great solution for first time buyers who might be hesitant to pay, providing flexibility and affordability." Joy Elena Founder of Sleepenvie View Success Story →
"Splitit fits perfectly with our brand and provides a lot of flexibility for our customers." Corinne Ferland-Brissette Growth Marketer at Ergonofis View Success Story →

Join our community of happy Merchants

Give your customers a more compelling way to pay.