Simple monthly payments

Pay in 3, 6, 9 or 12 installments, without the need to take out a new loan.

How Splitit works

No additional interest or fees*

Splitit allows you to pay for your purchase over time before accruing any interest, using your credit card.

No new loans

Use the credit you have already earned. All you need is the balance available on your credit card.

Keep the rewards coming

You get all the benefits of paying with your credit card, including rewards, transaction insurance and protection against fraud.

Splitit - Buy Now Pay Later Business Services

How Splitit works

Paying with Splitit is easy, secure, and convenient because it makes use of the credit you already have.

Ask your Variant contact for a Splitit link or QR code. You can receive the link via an email or SMS

Open the payment link on your browser or smartphone, complete your credit card details. You must have the full purchase amount available on your card

Choose your preferred plan from 3, 6, 9 or 12 monthly payments and complete the transaction. A temporary authorization will be placed on your card for the full purchase amount.

The first payment will be taken now. Each subsequent payment will be taken on the same day each month. No
additional steps are required.

Sample plan

Purchase price of $3,000 split over 6 months using your existing credit card.

Amount paid
Pay today $500
2nd payment $500
3rd payment $500
4th payment $500
5th payment $500
Final payment $500

Still have questions about how Splitit works?

You can find answers to our most commonly asked questions here. If you can’t find what you’re looking for, please visit our Support centre where you’ll find lots more answers, plus you can live chat with us.

Frequently asked questions

No, this is not a financing or lending product. We use the available credit on your existing credit card, that’s why there are no new applications or credit checks.

We accept VISA, Mastercard, American Express and Discover credit cards. (Debit cards are not accepted)

Yes. This option is always available on the Splitit portal, or you can contact customer care for assistance.

When you make a purchase with Splitit, you will only be charged for one installment each month. The balance is reserved on your credit limit. Splitit will not charge interest or fees but your regular credit card terms will apply.

There is no impact on your credit score. Each installment will show up as a normal charge in your account, with the rest of the total marked as “pending.” Even if a payment is declined, there’s no impact on your credit rating.

We’re here to help

Live Chat

Instant answers to your questions

Start chat Or email us and we aim to reply within 24 hours

*Your standard credit card terms and conditions still apply