Splitit
Splitit lets shoppers divide purchases into installments using available credit on an existing credit card.
What Splitit is
Splitit lets shoppers divide purchases into installments using available credit on an existing credit card. It does not open a new credit account or require a loan application. The first payment is generally charged at purchase, followed by automatic monthly or bi-weekly installments under the selected plan. Splitit temporarily authorizes the full purchase amount while billing installments as they come due, and payment dates cannot be changed. Remaining balances can be paid early without a fee. Pay After Delivery charges an existing card when delivery is confirmed, subject to the merchant’s timeframe. Digital Wallet Installments operate through Samsung Wallet in the United States and carry a state-dependent finance charge. Merchants can deploy Splitit through plugins, hosted checkout, direct API calls, or Splitit Go. Listed plugins include Shopify, Magento, WooCommerce, BigCommerce, SAP Commerce Cloud, Shopline, and Salesforce Commerce Cloud. Pricing is paid and available on request.
Good
- No new loan application or credit account
- Early payoff without a fee
- No app download or shopper account required
- Supports monthly or bi-weekly installments
- Merchant plugins and API deployment
Watch out
- Full purchase amount is temporarily authorized
- Payment dates cannot be changed
- Debit and prepaid cards are not supported
- Digital Wallet Installments carry a finance charge
Who it suits
Splitit suits shoppers who want installments against existing credit and merchants adding installment checkout. Card eligibility and digital-wallet availability depend on the merchant, plan, and region.
Verdict
Splitit offers card-based installments without a separate loan application and gives merchants several deployment methods. Review authorization holds, card eligibility, and any wallet finance charge before choosing a plan.
The facts
Each one read from Splitit's own pages, with the date it was checked.
What it does
- Authorization hold
- Splitit temporarily authorizes the full purchase amount on the card, while billing each installment as it comes due.checked 9 Oct 2026
- Card-data protection
- Splitit says stored card data is encrypted with AES-256 and connections use TLS 1.2 or higher.checked 9 Oct 2026
- Card eligibility
- Supported cards depend on the merchant and plan; Splitit typically accepts Visa and Mastercard, with American Express, Discover, and UnionPay depending on the merchant, while debit and prepaid cards are not supported for these plans.checked 9 Oct 2026
- Card rewards
- Shoppers continue to earn their existing card rewards and retain card protections such as purchase protection and fraud cover.checked 9 Oct 2026
- Credit-card charges
- For credit-card installments, the first payment is generally charged at purchase and later payments are charged automatically monthly or bi-weekly according to the selected plan.checked 9 Oct 2026
- Credit card holds
- At purchase, an authorization temporarily reserves the full purchase amount, while installment charges are billed as they come due.checked 9 Oct 2026
- Digital wallet
- Digital Wallet Installments are currently supported through Samsung Wallet in the United States and apply a finance charge that varies by state.checked 9 Oct 2026
- Digital wallet availability
- Splitit says Digital Wallet Installments are currently supported through Samsung Wallet in the United States, using eligible Visa or Mastercard credit cards.checked 9 Oct 2026
- Digital wallet finance charge
- For Digital Wallet Installments, a finance charge applies and varies by state of residence, and the total cost is shown before confirmation.checked 9 Oct 2026
- Early payoff
- Shoppers can pay off the remaining balance early without a fee.checked 9 Oct 2026
- Implementation
- Merchants can add Splitit through platform plugins, hosted checkout forms or fields, direct API calls, or the Splitit Go web portal.checked 9 Oct 2026
- Integrations
- Splitit lists plugins for Shopify, Magento, WooCommerce, BigCommerce, SAP Commerce Cloud, Shopline, and Salesforce Commerce Cloud.checked 9 Oct 2026
- Interest and fees
- Splitit says regular credit-card installments have no added interest or hidden fees if the shopper pays their card balance in full monthly; its Digital Wallet Installments have a finance charge.checked 9 Oct 2026
- Merchant audience
- Splitit presents its merchant solutions for retail and e-commerce, home services, education, and medical and wellness businesses.checked 9 Oct 2026
- Merchant integration
- Splitit offers merchant deployment through platform plugins, hosted checkout forms or fields, direct API calls, and the Splitit Go web portal.checked 9 Oct 2026
- No new loan
- The credit-card installment service does not open a new credit account or require a new loan application.checked 9 Oct 2026
- Pay after delivery
- Pay After Delivery holds the payment on an existing credit card and charges it when delivery is confirmed; if delivery is not confirmed within the merchant's stated timeframe, the card may be charged in full.checked 9 Oct 2026
- Payment schedule
- Installments are charged automatically monthly or bi-weekly according to the selected plan, and the payment date cannot be changed.checked 9 Oct 2026
- Security
- Splitit states it is a validated Level 1 PCI DSS Service Provider assessed annually against PCI DSS 4.0.1 by an independent Qualified Security Assessor.checked 9 Oct 2026
- Support
- Splitit offers live chat and email support, and says it aims to reply to email within 24 hours.checked 9 Oct 2026
- What it does
- Splitit lets shoppers pay in installments using credit already available on their existing credit card.checked 9 Oct 2026
The company
- Company and location
- The site identifies Splitit USA Inc. and lists an address at 211 Perimeter Center Parkway, Suite 240, Atlanta, Georgia 30346.checked 9 Oct 2026
- Headquarters
- Atlanta, Georgia, United Stateschecked 28 Sep 2026
Where it runs
- Consumer app
- The credit-card installment checkout requires no app download or account setup for shoppers.checked 9 Oct 2026
