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Splitit review

#6 of 26 in Buy Now, Pay Later Platforms

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

8.9/10Editor score
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

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.

Splitit pros and cons

  • 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

Splitit fact sheet, pricing and score →

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