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Head-to-head · Buy Now, Pay Later Platforms

Splitit vs Sezzle

  • Updated Oct 2026
  • Both researched from official sources
  • 2 checks side by side
Higher score Splitit #6 in Buy Now, Pay Later Platforms 8.9/10 Pricing on request ✓ 1 of 1 features Visit Splitit
Sezzle #8 in Buy Now, Pay Later Platforms 8.7/10 Free plan · pricing on request Free plan✓ 1 of 1 features Visit Sezzle

Splitit leads on 0 checks, Sezzle on 0, and 2 are even. Who comes out ahead on the 2 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreSplitit · 8.9/10
  • Free planonly Sezzle

Splitit scores higher on our rubric for buy now, pay later platforms: 8.9 against 8.7 out of 10; our editors rank them #6 and #8.

On merchant settlement, Sezzle gives you Scheduled where Splitit offers Next day.

Splitit is the better fit for white-label card-linked installments. Sezzle is the better fit for US and Canadian ecommerce merchants.

  • Splitit fits best

    White-label card-linked installments

  • Sezzle fits best

    US and Canadian ecommerce merchants

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Side by side

Feature Splitit 8.9/10 Visit ↗ Sezzle 8.7/10 Visit ↗
At a glance
Editor score 8.9 8.7
Ranking #6 in Buy Now, Pay Later Platforms #8 in Buy Now, Pay Later Platforms
Best for White-label card-linked installments US and Canadian ecommerce merchants
Pricing model Paid Free plan + paid
Starting price — Free plan · pricing on request
Free plan Not checked yet ✓ (best)
Free trial — —
Deployment Cloud Cloud, Mobile
Platforms Web Web, iOS, Android
Integrations 7 integrations 8 integrations
Features Splitit 1/1 · Sezzle 1/1
Merchant dashboard ✓ ✓
Specs
Checkout channels Omnichannel Omnichannel
Repayment terms monthly; biweekly; partial installments; pay after delivery; up to 12 installments Pay in 4: 25% down payment plus three payments every two weeks over six weeks; other options may run from 3 to 48 months
Merchant platforms BigCommerce; Magento; Salesforce Commerce Cloud; Shopify; Wix; WooCommerce; SAP Commerce Cloud Shopify, Shopify Plus, WooCommerce, Commercold, BigCommerce, Magento, Salesforce, Wix
Merchant settlement Next day Scheduled
Consumer regions 100+ countries United States and Canada
Our review
Pros
  • 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
  • Supports online checkout and in-store acceptance
  • Offers Pay in 4 and longer repayment terms
  • Includes settlement tracking and eight ecommerce integrations
Cons
  • Requires consumers to have a credit card
  • Plan pricing requires a sales contact
  • Core merchant settlement timing may differ
  • Merchant pricing is primarily transaction-based and requires a sales contact
  • Consumer availability varies by location, purchase, and eligibility
  • Longer-term financing options vary by merchant and purchase
Our verdict

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 →

Sezzle is a buy now, pay later platform for merchants and consumers in the United States and Canada. Merchants can offer financing through online checkout, in-store transactions using the Sezzle Virtual Card, and ecommerce integrations.…

Read the review →
  1. SplititBuy Now, Pay Later Platforms 8.9Pricing on request
  2. SezzleBuy Now, Pay Later Platforms 8.7Free plan · pricing on request

Strengths and trade-offs

  • 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

  • Sezzle — where it wins

    • Supports online checkout and in-store acceptance
    • Offers Pay in 4 and longer repayment terms
    • Includes settlement tracking and eight ecommerce integrations

    Where it doesn't

    • Merchant pricing is primarily transaction-based and requires a sales contact
    • Consumer availability varies by location, purchase, and eligibility
    • Longer-term financing options vary by merchant and purchase
  • Splitit8.9/10 · Pricing on request

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

    Visit SplititFull verdict →
  • Sezzle8.7/10 · Free plan · pricing on request

    A flexible BNPL option for US and Canadian merchants with omnichannel checkout.

    Visit SezzleFull verdict →

More comparisons

All buy now, pay later platforms comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update