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

Zip vs Splitit

  • Updated Oct 2026
  • Both researched from official sources
  • 2 checks side by side
Higher score Zip #4 in Buy Now, Pay Later Platforms 9.1/10 Free plan Free plan✓ 1 of 1 features Visit Zip
Splitit #6 in Buy Now, Pay Later Platforms 8.9/10 Pricing on request ✓ 1 of 1 features Visit Splitit

Zip leads on 0 checks, Splitit 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 scoreZip · 9.1/10
  • Free planonly Zip

Zip scores higher on our rubric for buy now, pay later platforms: 9.1 against 8.9 out of 10; our editors rank them #4 and #6.

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

Zip is the better fit for US, Australian, and NZ merchants. Splitit is the better fit for white-label card-linked installments.

  • Zip fits best

    US, Australian, and NZ merchants

  • Splitit fits best

    White-label card-linked installments

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Side by side

Feature Zip 9.1/10 Visit ↗ Splitit 8.9/10 Visit ↗
At a glance
Editor score 9.1 8.9
Ranking #4 in Buy Now, Pay Later Platforms #6 in Buy Now, Pay Later Platforms
Best for US, Australian, and NZ merchants White-label card-linked installments
Pricing model Free plan + paid Paid
Starting price — —
Free plan ✓ (best) Not checked yet
Free trial — —
Deployment Cloud, Mobile Cloud
Platforms Web, iOS, Android Web
Integrations 5 integrations 7 integrations
Features Zip 1/1 · Splitit 1/1
Merchant dashboard ✓ ✓
Specs
Checkout channels Omnichannel Omnichannel
Repayment terms 2 payments; 4 biweekly payments; 8 payments; Australia: weekly, fortnightly, or monthly schedules; up to 5 years interest-free terms monthly; biweekly; partial installments; pay after delivery; up to 12 installments
Merchant platforms BigCommerce; Magento 2; Salesforce; Shopify; WooCommerce BigCommerce; Magento; Salesforce Commerce Cloud; Shopify; Wix; WooCommerce; SAP Commerce Cloud
Merchant settlement Scheduled Next day
Consumer regions United States; Australia; New Zealand 100+ countries
Our review
Pros
  • Online, in-store, and in-app checkout support
  • Reporting, refunds, payouts, and dispute management
  • Plugins, SDK access, APIs, and scheduled settlement
  • 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
  • Transactional pricing starts at 5.9% + 30¢ per transaction
  • Custom solutions are aimed at enterprise businesses
  • Consumer availability centers on the US, Australia, and New Zealand
  • Requires consumers to have a credit card
  • Plan pricing requires a sales contact
  • Core merchant settlement timing may differ
Our verdict

Zip provides buy now, pay later payment services for merchants and consumers across online, in-store, and in-app checkout. Its merchant offering suits businesses in the United States, Australia, and New Zealand that need installment…

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 →
  1. ZipBuy Now, Pay Later Platforms 9.1Free plan
  2. SplititBuy Now, Pay Later Platforms 8.9Pricing on request

Strengths and trade-offs

  • Zip — where it wins

    • Online, in-store, and in-app checkout support
    • Reporting, refunds, payouts, and dispute management
    • Plugins, SDK access, APIs, and scheduled settlement

    Where it doesn't

    • Transactional pricing starts at 5.9% + 30¢ per transaction
    • Custom solutions are aimed at enterprise businesses
    • Consumer availability centers on the US, Australia, and New Zealand

  • 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
  • Zip9.1/10 · Free plan

    An omnichannel BNPL platform for merchants needing flexible repayments and settlement tools.

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

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

    Visit SplititFull 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