The world’s largest card-linked installment provider

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.

Splitit complements your existing BNPL by giving shoppers another way to pay without taking on new debt. Instead of applying for a loan, customers use their existing credit cards to split purchases into monthly payments.

With Splitit there are no applications, no redirects, and no new accounts to manage. In fact, consumers spend over 3x more with Splitit than with traditional BNPL options, because it’s so easy to enter into a plan.

Offering Splitit alongside your current solution gives customers more flexibility, reduces friction, and drives significantly higher average order values.

Splitit and PLCCs serve very different customer segments. PLCC shoppers tend to be loyal to the brand and actively choose financing with extended terms and perks.

Splitit, on the other hand, appeals to customers who either don’t want to open a new line of credit, prefer using their existing card, or simply want a faster pay-later option. What we typically see is that Splitit complements your PLCC – it doesn’t replace it.

Splitit drives real incremental growth by helping customers convert who might otherwise abandon checkout. It doesn’t just shift tender from other payment types; it unlocks purchases that may not have happened at all.

By letting customers use their existing credit card to pay over time, Splitit removes friction at the moment of hesitation. That’s often enough to turn “not yet” into “yes.”

Merchants also report that Splitit captures buyers earlier in the journey, especially those who aren’t ready to open a store card or apply for financing. It gives you access to customers who value flexibility but prefer not to take on new credit.

Splitit isn’t about replacing your current payment options; it’s about converting more shoppers who might otherwise walk away.