We’re glad you’re considering paying with Splitit! This article explains who we are, how Splitit works, and what to expect when you choose an installment plan.
If you have questions our Support team is available by Live Chat or email.
What Is Splitit?
Splitit is a payment technology that lets merchants offer installment plans using your existing credit card.
When you shop with a merchant that offers Splitit, you’ll see an option at checkout to split your purchase into flexible payments — without applying for a loan or opening a new account.
How Your Payment Is Approved
When you choose Splitit at checkout:
We contact your credit card provider to request approval.
-
If approved:
Your first installment is charged immediately
-
The remaining balance is placed as a temporary authorization hold
- The authorization is not a charge.
- It just confirms that your card has enough available credit for your installment plan.
How Installment Payments Work
Once your plan begins:
Your installment payments are charged automatically on your scheduled dates.
You’ll receive email updates to keep you informed.
Payments continue until your plan is complete.
You can view your full plan details, payment schedule, and transaction history anytime in the Shopper Portal.
Important to Know
The authorization hold is temporary and will drop off based on your bank’s timing.
You are only charged according to your installment schedule.
No interest or extra fees are added unless clearly stated in your plan.
Already have a plan? Log in to the Shopper Portal and under 'Plan Details' click on 'How Splitit Works?' This will take you to a detailed explanation of your particular plan.