Pay after delivery
Shop with complete confidence, knowing your money is protected until the moment your delivery lands.
Why shoppers choose Splitit Pay After Delivery
No upfront payment
Why pay today for something you won’t receive for weeks or even months?
No new loans or applications
Use your existing available credit to pay after delivery.
Keep earning your rewards
Earn rewards as you normally would, along with your card’s purchase and fraud protections.
Getting started with Splitit Pay After Delivery
Your chosen purchase plan
Your credit card statement
Authorizations explained
An authorization is a temporary hold placed on your credit card for the full purchase amount. It is not a charge. No money is taken from your account. Think of it like a hotel placing a hold on your card when you check in. The funds are reserved, but you’re only actually charged when you check out.
With Pay After Delivery, the authorization stays in place until your order is delivered. Once delivery is confirmed, the hold is replaced by the actual charge.
How this looks on your card
You may see a “pending” transaction for the full amount. This is the authorization hold, not a payment. It will remain as “pending” until delivery triggers the real charge.
How Splitit Pay After Delivery works
When your credit card is charged with Pay After Delivery
Once delivery is confirmed (by the carrier, the merchant, or by you) the full payment is charged to your credit card.
If delivery is not confirmed after a specified timeframe set by the merchant, your card may be charged in full. The exact timeframe depends on the merchant’s terms, which are always shown to you before you complete your purchase.
What you’ll see on your credit card statement
Your installment payments will appear on your credit card statement under the merchant’s name. In some cases, they may appear as “Splitit.”
You may also see an authorization for the full purchase amount under the merchant’s name or Splitit. This is not a charge. It’s how your future payments are secured.
Over the course of your installment plan, you’ll see multiple posted transactions on your statement, one for each installment. These will appear at regular intervals matching your payment schedule. The pending authorization amount will decrease as each installment is charged.
What’s the difference between pending and posted
How to tell the difference:
Pending/authorization = the temporary hold that decreases as you make payments. This is not a charge.
Posted transaction = an actual installment payment that has been charged to your card.
If anything looks unfamiliar, check your Splitit portal for a clear breakdown of your payment schedule and history.
Managing your Splitit installment plan
Once you’ve checked out, your installment plan is created automatically. You’ll receive an email with access to the Splitit portal, where you can:
- View your payment schedule to see exactly when each installment is due
- Update your card details if you need to switch to a different eligible credit card
- Pay off your remaining balance early at any time, with no additional charges
There are no fees for paying off your plan ahead of schedule.
Frequently asked questions
No. Splitit uses your existing credit card. There’s no loan application, no new credit line, and no additional approval process. It simply delays when your existing credit card is charged.
Splitit does not add interest, fees, or penalties. Your standard credit card terms and conditions still apply, just as they would with any other credit card purchase.
No. Splitit doesn’t run a credit check and doesn’t report to credit bureaus as a separate line of credit. Pay After Delivery uses your existing credit card, so it has no impact on your credit score. The transaction appears on your card like any other purchase.
The supported credit cards vary depending on the merchant and plan selected. The supported cards will be clearly marked at the merchant checkout. We typically accept Visa, Mastercard, and depending on the merchant, American Express, Discover and UnionPay.
You need enough available credit on your card to cover the full authorized amount at the time of purchase. Debit cards and prepaid cards are not currently supported.
You won’t be charged until delivery is confirmed. If there’s a significant delay, the authorization hold on your card may expire and be renewed, depending on your card issuer’s policies. The merchant’s delivery timeframe terms are shown to you at checkout.
Returns are handled directly with the merchant according to their return policy.
No. A pending amount is the authorization hold, which temporarily reserves the purchase amount on your card. It’s not a charge. You’ll only be charged once delivery is confirmed. Once the actual charge goes through, the pending hold is released.
In some cases, merchants may offer both Splitit Pay After Delivery and Splitit installment plans. The available options depend on the merchant’s setup, so check the payment choices shown at checkout.
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