Splitit
Splitit: A flexible BNPL platform for branded, card-linked installments across sales channels. Ranked #6 of 26 in Buy Now, Pay Later Platforms by our editors (8.9/10); pricing: Pricing on request; best for white-label card-linked installments.
At a glance
- Editor score8.9 / 10
- PricingPricing on request
- Best forWhite-label card-linked installments
- Checkout channelsOmnichannel
- Facts checked19 Sep 2026
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
Our verdict on Splitit
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 pay-after-delivery arrangements, with up to 12 installments. Checkout can be embedded across ecommerce, in-store, phone, and payment-link channels. Shoppers do not need to open a new account or apply for a separate loan, while merchants can manage payment plans, refunds, outstanding payments, reports, and settlement activity through the merchant dashboard.
The plan structure is designed around different funding and branding requirements. Essential and Flex include full upfront funding, require a consumer credit card, and support up to 12 monthly or biweekly installments. Essential lists consumer APR up to 35.99%, while Flex lists consumer APR from 0% to 35.99%. Premium adds 0% consumer APR and a white-label experience, while Premium Lite combines those features with partial upfront funding. All merchant plans use a contact-sales pricing model, so businesses should request a quote before comparing total program costs.
Splitit’s platform fit is broad, with integrations for BigCommerce, Magento, Salesforce Commerce Cloud, Shopify, Wix, WooCommerce, and SAP Commerce Cloud, plus web and API access. Merchant APIs cover plans, reports, chargebacks, encryption keys, and onboarding, and merchants can also use hosted forms or Splitit Go. The main trade-off is the consumer credit-card requirement, which narrows eligibility compared with models that provide separate financing. Merchants seeking branded, omnichannel installments should consider Splitit; businesses that need card-free consumer access should look for an alternative.
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Splitit pricing
All 4 Splitit plans and prices →
Splitit fact sheet
| Free plan | Not verified |
|---|---|
| Paid from | Not verified |
| Checkout channels | Omnichannel |
| Repayment terms | monthly; biweekly; partial installments; pay after delivery; up to 12 installments |
| Merchant platforms | BigCommerce; Magento; Salesforce Commerce Cloud; Shopify; Wix; WooCommerce; SAP Commerce Cloud |
| Merchant settlement | Next day |
| Consumer regions | 100+ countries |
| Merchant dashboard | Yes |
| Deployment | Cloud |
| Platforms | Web |
| Integrations | 7 integrations: BigCommerce, Magento, Salesforce Commerce Cloud, Shopify, Wix, WooCommerce … |
| Pricing | Pricing on request (source) |
| Website | splitit.com |
| Facts checked | 19 Sep 2026 |
Splitit integrations
Splitit lists 7 integrations on its own site.
- BigCommerce
- Magento
- Salesforce Commerce Cloud
- Shopify
- Wix
- WooCommerce
- SAP Commerce Cloud
Alternatives to Splitit
- KlarnaA broad omnichannel BNPL option with contract-based pricing and country-dependent availability.9.4
- AffirmA flexible BNPL option for merchants needing online, in-store, and longer-term financing.9.3
- AfterpayAn omnichannel BNPL platform with flexible repayment terms and merchant reporting.9.2
See all Splitit alternatives →
Splitit vs the competition
Compare Splitit with any tool side by side →
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Splitit is listed in our Buy Now, Pay Later Platforms directory. Add the badge to your site — it links back to this page.
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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