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Splitit

Splitit offers embedded card-linked installments that let consumers pay later using the credit they already have on their existing credit cards.

Last updated September 11, 2026

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Overview

Splitit describes itself as delivering embedded card-linked installments that transform commerce, empowering merchants, consumers, and banks within the payments ecosystem. Its stated aim is to challenge the status quo of traditional BNPL, which it says often burdens consumers with unnecessary debt, high fees and checkout complexity. Splitit says it uses existing credit so consumers can pay at their own pace without creating new debt, while helping merchants drive higher conversions and customer loyalty. Its product pages describe credit card installments, digital wallet installments, and pay after delivery, as well as Splitit Go, a card-linked installment offering for businesses.

Products and positioning

Splitit positions itself as an embedded card-linked installment provider that challenges traditional BNPL by using existing credit rather than creating new debt.

  • Credit Card Installments

    Spread the cost of any big purchase into equal payments without added interest, as long as the card balance is paid in full each month.

  • Digital Wallet Installments

    Split any payment made through a digital wallet using an existing credit card, without applying for new credit; a finance charge applies and the full cost is shown before confirmation.

  • Pay After Delivery

    Money stays where it is until the order arrives, for made-to-order items or purchases from unfamiliar retailers.

  • Splitit Go

    A card-linked installment offering for businesses that lets them create installment plans in seconds and share them via QR code, SMS, or email, with in-person, phone, and online options.

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