Affirm vs Splitit

Affirm9.3Visit Splitit8.9Visit

Higher score Affirm #2 in Buy Now, Pay Later Platforms 9.3/10 Pricing on request Free plan✓ 1 of 1 features Visit Affirm

vs

Splitit #6 in Buy Now, Pay Later Platforms 8.9/10 Pricing on request ✓ 1 of 1 features Visit Splitit

• Affirm fits best

  Merchants needing flexible financing

• Splitit fits best

  White-label card-linked installments

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Side by side

Feature	Affirm 9.3/10 Visit ↗	Splitit 8.9/10 Visit ↗
At a glance
Editor score	9.3	8.9
Ranking	#2 in Buy Now, Pay Later Platforms	#6 in Buy Now, Pay Later Platforms
Best for	Merchants needing flexible financing	White-label card-linked installments
Pricing model	Paid	Paid
Starting price	Pricing on request	—
Free plan	✓ (best)	Not checked yet
Free trial	—	—
Deployment	Cloud, Mobile, Browser extension	Cloud
Platforms	Web, iOS, Android, Chrome extension	Web
Integrations	15 integrations	7 integrations
Features Affirm 1/1 · Splitit 1/1
Merchant dashboard	✓	✓
Specs
Checkout channels	Omnichannel	Omnichannel
Repayment terms	4 interest-free payments every 2 weeks; installments from 6 weeks to 36 months; monthly or biweekly payments	monthly; biweekly; partial installments; pay after delivery; up to 12 installments
Merchant platforms	Adobe Commerce, BigCommerce, Salesforce Commerce Cloud, SAP Commerce, Shopify, Wix, WooCommerce, Acadaca, Lightspeed Ecommerce, Miva, OpenCart, Oracle Commerce, Shift4Shop, VTEX, Volusion	BigCommerce; Magento; Salesforce Commerce Cloud; Shopify; Wix; WooCommerce; SAP Commerce Cloud
Merchant settlement	Not checked yet	Next day
Consumer regions	United States, Canada, United Kingdom	100+ countries
Our review
Pros	Pay in 4 plus installment terms extending up to 36 months Omnichannel support spans online checkout, stores, telesales, and APIs Integrates with 15 listed ecommerce platforms and includes a merchant portal	Uses shoppers’ existing credit cards for installment plans Supports online, in-store, phone, and payment-link checkout Offers white-label checkout and next-day merchant settlement
Cons	Merchant pricing is customized and requires contacting sales Settlement timing varies by integration and payment method Consumer coverage is limited to the United States, Canada, and United Kingdom	Requires consumers to have a credit card Plan pricing requires a sales contact Core merchant settlement timing may differ
Our verdict	Affirm is a buy now, pay later platform for merchants and consumers. It supports Pay in 4 interest-free payments every two weeks, as well as installment financing with terms from 6 weeks to 36 months. Merchants can offer payment options… Read the review →	Splitit is a buy now, pay later platform for merchants that want to offer installments through shoppers’ existing credit cards. It supports monthly and biweekly schedules, partial-payment plans with a larger upfront payment, and… Read the review →

Strengths and trade-offs

• Affirm — where it wins

  • Pay in 4 plus installment terms extending up to 36 months
  • Omnichannel support spans online checkout, stores, telesales, and APIs
  • Integrates with 15 listed ecommerce platforms and includes a merchant portal

  Where it doesn't

  • Merchant pricing is customized and requires contacting sales
  • Settlement timing varies by integration and payment method
  • Consumer coverage is limited to the United States, Canada, and United Kingdom

• Splitit — where it wins

  • Uses shoppers’ existing credit cards for installment plans
  • Supports online, in-store, phone, and payment-link checkout
  • Offers white-label checkout and next-day merchant settlement

  Where it doesn't

  • Requires consumers to have a credit card
  • Plan pricing requires a sales contact
  • Core merchant settlement timing may differ

• Affirm9.3/10 · Pricing on request

  A flexible BNPL option for merchants needing online, in-store, and longer-term financing.

  Visit AffirmFull verdict →
• Splitit8.9/10 · Pricing on request

  A flexible BNPL platform for branded, card-linked installments across sales channels.

  Visit SplititFull verdict →