Freedom251 › Buy Now, Pay Later Platforms

Splitit

Paid APIWeb

What Splitit is

Splitit lets shoppers divide a purchase into installments using available credit on an existing credit card, without opening a new credit account or applying for a loan. For standard card installments, the first charge is generally made at purchase and later payments are charged automatically monthly or bi-weekly. The full purchase amount is temporarily authorized on the card while installments are billed as they come due. Shoppers can pay off the remaining balance early without a fee, and checkout requires no app download or account setup. Payment dates cannot be changed, and supported cards depend on the merchant and plan; Visa and Mastercard are typically accepted, while debit and prepaid cards are not supported for these plans. Pay After Delivery charges the card when delivery is confirmed, though the card may be charged in full if confirmation misses the merchant’s stated timeframe. Digital Wallet Installments are supported through Samsung Wallet in the United States and carry a state-dependent finance charge. Merchants can integrate through plugins, hosted checkout, APIs, or Splitit Go. The service is paid, with pricing on request.

Who it suits

Splitit may suit shoppers who want installments charged to an existing credit card, and merchants in retail, e-commerce, home services, education, or medical and wellness. Shoppers should confirm card eligibility and understand the full-amount authorization hold.

What it does well

No new credit account or loan application is required.
Shoppers can pay the balance early without a fee.
Checkout requires no app download or account setup.
Merchants can integrate through plugins or APIs.
Supports monthly and bi-weekly installment schedules.

What to know first

The full purchase amount is temporarily authorized.
Payment dates cannot be changed.
Debit and prepaid cards are not supported for these plans.
Digital Wallet Installments carry a finance charge.

Limits

Standard card installments follow the selected monthly or bi-weekly schedule, and payment dates cannot be changed. Digital Wallet Installments add a finance charge that varies by state; supported cards also depend on the merchant and plan.

Getting started

Open the Splitit website
Choose a merchant plugin, hosted checkout form or field, direct API, or Splitit Go
Connect a supported commerce platform if using a plugin
Configure the selected installment or delivery plan
Offer Splitit through web or omnichannel checkout

Verdict

Splitit provides installment checkout against existing card credit, with merchant integration options and no shopper account setup requirement. Card eligibility, the authorization hold, and any plan-specific charges should be considered before use.

Questions

How is Splitit priced?

Splitit uses a paid model with pricing available on request.

Does Splitit require a new loan or account?

No. It uses available credit on an existing credit card without opening a new credit account or requiring a loan application.

Which cards can shoppers use?

Visa and Mastercard are typically accepted, while American Express, Discover, and UnionPay depend on the merchant. Debit and prepaid cards are not supported for these plans.

Does Splitit require an app download?

No. Credit-card installment checkout requires no shopper app download or account setup.

Where is Digital Wallet Installments available?

Digital Wallet Installments are currently supported through Samsung Wallet in the United States with eligible Visa or Mastercard credit cards.

Which merchant integrations are listed?

Splitit lists Shopify, Magento, WooCommerce, BigCommerce, SAP Commerce Cloud, Shopline, Salesforce Commerce Cloud, and deployment through APIs, hosted forms or fields, and Splitit Go.

Facts from Splitit's own pages

Authorization hold: Splitit temporarily authorizes the full purchase amount on the card, while billing each installment as it comes due. · splitit.com, 9 Oct 2026
Card-data protection: Splitit says stored card data is encrypted with AES-256 and connections use TLS 1.2 or higher. · splitit.com, 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. · splitit.com, 9 Oct 2026
Card rewards: Shoppers continue to earn their existing card rewards and retain card protections such as purchase protection and fraud cover. · splitit.com, 9 Oct 2026
Company and location: The site identifies Splitit USA Inc. and lists an address at 211 Perimeter Center Parkway, Suite 240, Atlanta, Georgia 30346. · splitit.com, 9 Oct 2026
Consumer app: The credit-card installment checkout requires no app download or account setup for shoppers. · splitit.com, 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. · splitit.com, 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. · splitit.com, 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. · splitit.com, 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. · splitit.com, 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. · splitit.com, 9 Oct 2026
Early payoff: Shoppers can pay off the remaining balance early without a fee. · splitit.com, 9 Oct 2026
Headquarters: Atlanta, Georgia, United States · splitit.com, 28 Sept 2026
Implementation: Merchants can add Splitit through platform plugins, hosted checkout forms or fields, direct API calls, or the Splitit Go web portal. · developers.splitit.com, 9 Oct 2026
Integrations: Splitit lists plugins for Shopify, Magento, WooCommerce, BigCommerce, SAP Commerce Cloud, Shopline, and Salesforce Commerce Cloud. · developers.splitit.com, 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. · splitit.com, 9 Oct 2026
Merchant audience: Splitit presents its merchant solutions for retail and e-commerce, home services, education, and medical and wellness businesses. · splitit.com, 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. · developers.splitit.com, 9 Oct 2026
No new loan: The credit-card installment service does not open a new credit account or require a new loan application. · splitit.com, 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. · splitit.com, 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. · splitit.com, 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. · splitit.com, 9 Oct 2026
Support: Splitit offers live chat and email support, and says it aims to reply to email within 24 hours. · splitit.com, 9 Oct 2026
What it does: Splitit lets shoppers pay in installments using credit already available on their existing credit card. · splitit.com, 9 Oct 2026

Where Splitit stands on Freedom251

Buy Now, Pay Later Platforms#26 of 26