If an authorization, re-authorization, or monthly installment payment is declined we will email you to update you on the status of your plan. Maintaining a valid credit card is a required part of paying in installments.
Splitit offers a 7-day grace period to resolve any issues with your credit card that are preventing a transaction from being successful. We recommend you partner your card provider to investigate the issue or simply update your payment card to a different one. During this time, we will continue to try the declined transaction.
We are not allowed to make any changes to your plan unless the Merchant instructs us to. We are happy to look into the status of your plan if you reach out to our Support team, but again, we cannot make any changes without Merchant approval.
After 7 days, if the transaction is still declined, we reserve the right to charge your card with up to the full outstanding amount using the last successful authorization. This will mean that your plan will be cleared early and you will have lost to the ability to pay in installments.
There are some variations to the details above depending on the Merchant you purchased from and the plan options they've made available to their customers. Always review the details about Splitit at checkout and in the contract agreement you receive after completing your purchase.
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.