Flexible installment plans for luxury purchases
A BNPL solution designed for big-ticket, luxury purchases, offer a more responsible way for shoppers to pay in installments.
As regulations tighten around traditional BNPL providers, luxury retailers need future-proof payment solutions. Our card-linked approach ensures your payment platform remains compliant and sustainable for long-term growth.
50% of shoppers would switch merchants for card-linked installments
Luxury brand payment solutions
Splitit is the only luxury brand pay-later solution that enables your customers to use their existing credit card at checkout without creating new debt. While traditional BNPL creates new loans, our payment platform for luxury retailers leverages customers’ existing credit limits.
Frictionless payments
Our BNPL platform for luxury retailers integrates seamlessly into your existing customer journey, maintaining the sophisticated shopping experience your clientele expects.
Complete brand control
Maintain your luxury brand’s prestige throughout the entire transaction. Our white-label payment platform ensures your brand remains at the center of every customer interaction, from initial browse to final purchase confirmation. This control over the customer journey is essential for luxury stores where brand consistency drives customer loyalty and repeat purchases.
Leverage existing credit
Splitit removes the high risks of legacy BNPL by using existing credit. There’s no underwriting process, no impact on credit scores, and no new debt creation. Your customers continue earning their premium credit card rewards, transaction insurance, and fraud protection while purchasing your luxury items through manageable installments.
Seamless integration without registrations
Unlike traditional BNPL platforms that redirect customers away from your site, our payment platform embeds directly into your checkout flow. Any customer with an active credit card can access designer retail payment plans instantly.
Drive higher transaction values with flexible payment solutions
Luxury customers often have substantial available credit limits. Our payment platform removes arbitrary purchase limits, enabling customers to maximize their buying potential for high-ticket designer items, exclusive collections, and limited-edition pieces.
Drive more high-value conversions
Our integrated technology delivers over 85% approval rates, versus an industry norm of 35%-40%. With no applications, underwriting or SSN required, there is no friction at the checkout.
Zero default risk
Splitit operates with customers’ existing credit cards – their installment payment plan lives within the limits of their existing credit card. This means there’s no risk of defaulting on payment – should a customer miss their payments, the total order amount will be charged to their card.
Insights that elevate customer experience and sales
Explore strategies that help premium brands make high-value purchases more accessible, while strengthening customer relationships and driving sustainable growth.
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Payment Solutions & Technology
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Reports & Insights
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Thought Leadership
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Customer Experience & Conversion
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Maximize conversions with premium payment options
See for yourself how Splitit can enhance the customer experience for luxury goods. Reach out for a friendly, no-obligations chat!
Frequently Asked Questions
Unlike traditional financing that creates new loans, our BNPL uses customers’ existing credit cards to create installment plans. This means no new debt, no credit checks, and no impact on credit scores while customers earn their usual credit card rewards.
Our white-label solution maintains your brand’s premium image throughout the entire transaction. There are no third-party logos, no redirects to external sites, and complete control over the customer experience—essential elements for luxury brand integrity.
Our payment platform delivers 85%+ approval rates compared to 35-40% for traditional financing. Since we use existing credit, most customers with active credit cards qualify instantly.
Card-linked installment payments create a new era where luxury becomes accessible to a broader audience without changing your pricing strategy. This expands your customer base beyond traditionally wealthy shoppers to include aspirational buyers, particularly Gen Z customers who prefer payment convenience.
No price changes required. Your luxury store maintains full pricing integrity while making products more accessible through payment flexibility. This increases brand equity without eroding store prestige, as customers pay the same total amount—just spread over time.
You receive payment immediately at the time of purchase, whether online or in-store. Splitit handles the installment collection process, so you get full payment upfront while customers pay over their chosen schedule of 2-12 installments.