Pay in installments
Split your purchase into smaller payments using the credit card you already have. No new loans, no extra accounts, just a more flexible way to pay over time.
Why shoppers choose Splitit to pay in installments
No new loans or applications
Use your existing available credit to pay in installments.
No added interest
Splitit lets you pay over time without adding interest — only your existing card terms apply.
Keep earning your rewards
Earn rewards as you normally would, along with your credit card’s purchase and fraud protections.
Getting started with Splitit to pay in installments
Your chosen purchase plan
Your credit card statement
Authorizations explained
An authorization temporarily reserves the full purchase amount on your credit card, but is not a charge. Think of it as a temporary hold that confirms you have sufficient credit available to pay for your purchase.
You’re only billed for each installment as it comes due.
How Splitit installment payments work
When and how you’re charged for Splitit installments
Your first installment is generally charged at the time of purchase. After that, payments are charged automatically, either monthly or bi-weekly, according to your selected installment plan.
In most cases, your first payment is charged immediately upon completing your purchase. For example, if you buy something on the 10th, your monthly payment will be charged on the 10th of each month. The payment date cannot be changed.
Managing your Splitit installment plan
Your installment plan is automatically created after checkout. You’ll receive an email from Splitit with access to the Shopper Dashboard, where you can:
- View your payment schedule
- Update your card details
- Pay off your remaining balance
There are no fees for paying off your plan ahead of schedule.
What you’ll see on your credit card statement
Authorizations and payments will be listed on your statement with a combination of Splitit and the Merchant’s name plus the transaction amount. Reach out to our 24/7 Support team with any questions about the transactions on your statement.
What’s the difference between pending and posted
A payment is a posted transaction that is due to be paid on your credit card bill.
An authorization is a pending transaction that temporarily holds funds from use elsewhere, but is not a charge.
Frequently asked questions
Splitit is a card-linked installment solution. Unlike traditional BNPL providers, Splitit doesn’t issue a new loan or open a new credit account. You pay using the credit you’ve already been approved for on your existing credit card.
Splitit does not add interest or hidden fees on your installment plan. Each installment is treated as a regular credit card transaction by your card issuer, so if you pay your card balance in full each month, you won’t incur interest on your Splitit payments. Your standard credit card terms and conditions still apply.
No. Splitit doesn’t run a credit check and doesn’t report to credit bureaus as a separate account. Your installment plan is linked to your existing credit card, so there’s no impact on your credit score. The only effect on your card is the authorization hold and the scheduled installment charges, both of which are standard credit card activity.
The supported credit cards vary depending on the merchant and plan selected. 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.
Yes. You can pay off the remaining balance at any time through the Splitit portal, with no early repayment fees.
Returns and refunds are handled directly by the merchant. If approved, the refund is applied to your credit card and your remaining installment plan is adjusted or cancelled accordingly.
When a monthly payment or required reauthorization fails, Splitit provides a 7-day grace period for you to fix the issue. During this time, you can:
- Contact your bank and ask them to approve the transaction, or
- Update the card on file to one with enough available credit to cover the remaining plan balance
In many cases, a quick call to your bank is enough to resolve the issue.
The key difference is that Splitit works with your existing credit card, not a new loan. This means no credit checks, no new accounts, and you keep earning your card rewards. Most traditional pay later services create a new line of credit, which may require sharing additional personal data and could affect your credit score.
No. The authorization is a temporary hold, not a payment. It secures the full purchase amount to guarantee your installment plan. You’re only charged for each installment as it is due according to your agreed upon schedule.
You can update your card details through the Splitit portal at any time. If your card expires or is replaced, add your new card to keep your installments on track. The new card must have sufficient available credit.
No. Your payment date is tied to your original purchase date. For example, if you made your purchase on the 10th, your installments will be charged on the 10th of each month. This date cannot be adjusted.
Yes, depending on the merchant. The process works the same way: you use your existing credit card and choose your installment plan.
We’re here to help, talk to us on our live chat.
Instant answers to your support questions.
Or email us and we aim to reply within 24 hours.