Putting the power back in the hands of merchants to retain customers, drive conversion, and increase average order value.

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Increase shopper loyalty with white-label BNPL

Splitit’s Installments-as-a-Service platform is a new way to drive installment payments through a merchant-branded experience. While merchants are experiencing increased sales with legacy BNPL, they also face several challenges: losing control of consumer relationships, poor checkout conversion due to consumer friction, low credit approval rates and heightened regulatory scrutiny. Splitit’s Installments-as-a-Service platform mitigates these issues, making it the most attractive value proposition for merchants.

Why Splitit launched a white-label solution

The future-proof pay-later option

Splitit provides the technology that empowers merchants to offer installment payments embedded within their customer journey. We are the only installment payment solution that allows shoppers to use their existing credit card at checkout without increasing their debt.

Feature Legacy BNPLSplitit
Use Existing Credit  
No Registration  
At Checkout
Merchant Integrations
Industry Agnostic  
No Credit Check  
Low Risk  
Average Order Value $250$1,000+

How Splitit works

Splitit is the only installment payment solution that allows shoppers to use their existing credit card at checkout without increasing their debt, enabling consumers to shop more responsibly. There’s no added interest or hidden fees, plus they get all the benefits of paying with their existing credit card, including rewards, transaction insurance and protection against fraud.

Installment plan

Splitit authorizes the full amount of the purchase on the shopper’s existing credit card and reserves the balance from their credit card until final payment is made. Shoppers can choose to split their payments over 3-24 monthly installments all within your payment journey.

First installment

The first installment is charged a few seconds after the purchase authorization or upon shipping.


Splitit reauthorizes the outstanding amount when the previous authorization is about to expire.

Pay monthly

Splitit will charge the shopper’s credit card every month until the plan is finished, reducing the hold on their credit line each month by the payment amount.

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.

"We can propose Splitit for high-value items, where we could not with other buy now, pay later solutions" Pedro Bennasar Head of Payments, Vestiaire Collective View Success Story →
"Our customers historically have been overlooked by traditional orthodontia. This is a sizeable investment for them. Once they understand how Splitit works, they think ‘oh this totally makes sense – why wouldn’t I do this?" Manny Rubianes Sales Director at Byte View Success Story →
"As we think about international expansion, [Splitit] gives us a turnkey financing solution." Jerome Brustlein COO at Fenton View Success Story →
"The Splitit Team has been taking good care of us. It’s been a great partnership and we are all really happy with the results from both sides!" Christian Steyer Team Manager Business Development at Canyon View Success Story →
"Splitit offers a very unique payment solution combined with great customer service and customer support." Andreas Ahlstrom Senior VP of Sales & Operations at Exxentric View Success Story →
"Splitit allows our customers an easy and accessible way to spread the cost of their purchase with as few barriers and pain points as possible." Simon Vingoe Head of Sales and Marketing at Virgin Pure View Success Story →

Join our community of happy Merchants

Give your customers a more compelling way to pay.

Frequently asked questions

Installment payments allow customers to spread the cost of a product or service, instead of paying the whole price at once. Depending on the plan they choose, shoppers only pay a percentage of the cost and pay the rest in equal monthly payments over an agreed period.

Installment payments offer customers the flexibility to purchase higher-end, quality products and services but spread the cost over a time that suits them. Offering installment options to your customers increases conversion, along with average order value and builds brand loyalty. With Splitit, there are never any hidden fees or interest rates and customers can also enjoy the usual benefits of using their existing credit card.

Splitit provides the technology to fully integrate into your existing payment platforms, simplifying the journey to purchase. Our services work as a layer between your ecommerce platform and your existing payment gateway. Splitit can be set up easily via a single API integration, which works globally.

Credit checks are not needed to make use of our Installments-as-a-Service solution and it will not affect your customer’s credit score. All a customer needs is their existing credit card and enough available credit to cover the cost of the purchase.