# Splitit Reviews **Vendor:** Splitit **Category:** [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Average Rating:** 4.1/5.0 **Total Reviews:** 20 ## About Splitit Splitit revolutionizes payment solutions by enabling card-linked installments without new loans or fees, leveraging consumers' existing credit. As the only embedded white-label omnichannel payments provider of its kind, Splitit empowers enterprise merchants to achieve higher conversion rates and increased transaction values without losing customers to third-party BNPL providers. Its innovative, consumer-friendly approach spans diverse sectors, including jewelry, dental care, and education. By future-proofing payments with a model that prioritizes consumer protection and merchant success, Splitit sets a new standard in the industry. ## Splitit Pros & Cons **What users dislike:** - Users warn against potential **fraudulent activities** , with unauthorized large charges leading to credit card issues and frustration. (1 reviews) - Users warn against **late fees and unauthorized charges** from Splitit, leading to credit card maxing and frustration. (1 reviews) - Users warn against **payment issues** with Splitit, citing unauthorized charges and maxed-out credit cards affecting usability. (1 reviews) ## Splitit Reviews ### 1. Splitit is highly deceptive. DON'T GIVE THEM YOUR CREDIT CARD, **Rating:** 0.0/5.0 stars **Reviewed by:** Verified User in Education Management | Mid-Market (51-1000 emp.) **Reviewed Date:** December 01, 2024 **What do you like best about Splitit?** Seems like a straightforward payment plan. It isn't. It's a scam. **What do you dislike about Splitit?** DO NOT GIVE THEM YOUR CREDIT CARD!! Splitit will authorize the full charge on your card every 18 days. This made it so I couldn't use my credit card at all since it was "maxed out". But then they only "charge" your card again for just the payment amount. In my case I used it to make payments on a 6 month tuition payment to simplilearn. The tuition was roughly $6,500, I have to pay $1,500 or so upfront and the monthly payment was $711. So they authorized and charged my card $1,500 up front AND $4,500 for the remaining amount AND $711 for the payment. So my card with a $10,000 limit is now close to maxed out for one $711 payment. I learned what they were doing when my card didn't work at a restaurant. After two weeks, they authorized my card again for $4,500 but did not charge it, and two weeks, they authorized again for $711. But that payment didn't go through because the card company said they thought there was fraud. So Splitit went ahead and charged the whole $4,500 all at once and paid the tuition in full (remember, they already had authorization). Splitit took their fee for financing this and ended up financing nothing. My credit card company calls them a "high risk" merchant with lots of fraud reports. So I don't likeSplitit, But I also don't like Simplilearn for getting me involved with this scam company. **What problems is Splitit solving and how is that benefiting you?** None. Zero. Splitit didn't solve problems, it caused problems. ### 2. Opaque hold process causes unnecessary defaults **Rating:** 1.5/5.0 stars **Reviewed by:** Verified User in Consulting | Small-Business (50 or fewer emp.) **Reviewed Date:** August 21, 2023 **What do you like best about Splitit?** 0% on deferred payments is always nice, can't argue with the core value proposition **What do you dislike about Splitit?** Credit holds for the full amount are put in place immediately and updated to reduce each month. However, the new reduced hold is put in place before the old is removed causing the customer to need a credit line greater than the total purchase price. (Close to 2x: the full amount + the full amount minus one payment) [!!] This process can force the customer to default even when they have enough credit to cover the next payment. [!!] (When they don't have enough credit to cover the entire new hold before the old hold is released) This is not intuitive, and almost feels designed to trigger defaults from customers who would otherwise be able to make the payments without issue. **What problems is Splitit solving and how is that benefiting you?** Short term cash availability. With 0% APR it's nice to be able to invest a bit more of my cash on hand and pay for the purchase with future paychecks instead. Realistically it's a small difference, but the option is always nice. ### 3. Horrible **Rating:** 0.0/5.0 stars **Reviewed by:** Amanda R. | Office Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** November 09, 2022 **What do you like best about Splitit?** Horrible customer service, horrible installment plan, I keep asking myself why I chose this option of payment of would be better using my CC. Bad choice, wrong website. **What do you dislike about Splitit?** 0 star They insist to charge me before due dates. Which I hate it. Why exist due date? Horrible customer service, horrible system of payment. I'll think better next time **What problems is Splitit solving and how is that benefiting you?** None problems was solved and it seems like none of them will be solved. I wish they had a better customer service, before trying to so many times to charge me before due date, like 10 days in advance. ### 4. Great split payment software **Rating:** 5.0/5.0 stars **Reviewed by:** Shuvojit S. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** November 20, 2021 **What do you like best about Splitit?** Splitting payment and interest free for customers. **What do you dislike about Splitit?** As of now nothing at all................ **What problems is Splitit solving and how is that benefiting you?** Customers those who can't complete their purchase due to financial difficulties they can do it easily with splitit. There are endless benefits ### 5. Best Payment Platform for our business **Rating:** 5.0/5.0 stars **Reviewed by:** Lem T. | Co-Owner/CGO, Small-Business (50 or fewer emp.) **Reviewed Date:** February 26, 2021 **What do you like best about Splitit?** Ability to offer 0% financing with no fees for the consumer, with low merchant fees. Intuitive set-up and easy-to-use dashboard. Integration with Shopify and other eCommerce platforms. **What do you dislike about Splitit?** Customer needs to have available credit on their credit card(s) **What problems is Splitit solving and how is that benefiting you?** Some of our customers do not have the cash available to purchase our product at the time of delivery, and Splitit offers a simple solution to break up those payments over 12 or 18 months. The customer gets 0% interest with no fees, as long as they pay their monthly installments to their credit card company on time. The only fees or interest will be charged by their credit card company if the payments are not made on time. We pay a low service fee. But we are also protected since a hold is placed on the customer's credit card. Splitit is the only payment provider that made it possible for us to offer 0% financing to our customers with a low merchant fee! We have had multiple customers who could not have purchased our product without Splitit, and we have improved our conversion rates and AOV. ### 6. Installment plans made easy **Rating:** 5.0/5.0 stars **Reviewed by:** Saskia H. | Director Product & Project Mgmt, Small-Business (50 or fewer emp.) **Reviewed Date:** March 08, 2021 **What do you like best about Splitit?** I'm always a fan of great service, which Splitit has certainly provided with our complicated implementations, however, that's probably not what you're looking to read about here. Aside from excellent service, it's simply a great payment product that gives your customers the flexibility to pay over time, without hassle, credit checks and insane fees. Happy end customer = happy merchant (me). Everyone wins. **What do you dislike about Splitit?** If I'd have filled this in a couple of months ago, it would have been the Splitit Magento 2 extension because it wasn't fit for purpose, so badly so we couldn't use it and had to build our own integration. However, that's now been rectified and we're incredibly happy with the complete overhaul they've done (listening to their customers' feedback, back to that service thing I mentioned earlier!). So the short answer, I've got nothing right now I don't like, does what it needs to do for us! **What problems is Splitit solving and how is that benefiting you?** Biggest issue our customers have is being able to get credit, so being able to use their existing credit and paying over time without the insane credit card fees makes for happy customers, increasing revenue and all the other good stuff. ### 7. Card-based solution proven to maximize sales, help increase conversion and generate higher AOV. **Rating:** 5.0/5.0 stars **Reviewed by:** José S. | Small-Business (50 or fewer emp.) **Reviewed Date:** June 09, 2020 **What do you like best about Splitit?** Card-based solution proven to maximize sales, help increase conversion and generate higher AOV in small, medium and large businesses **What do you dislike about Splitit?** there's nothing that's not to the liking of a discerning client **Recommendations to others considering Splitit:** Splitit - Card Based Installment Payment Solutions, a very robust and reliable solution based on professional techniques. I recommend the use of it, the best service of the world. My experiences profesionals is beatifull with Splitit **What problems is Splitit solving and how is that benefiting you?** The only card based solution proven to boost sales. Low sales in the business is one of the biggest problems that this powerful service solves ### 8. Great service for large ticket items **Rating:** 4.5/5.0 stars **Reviewed by:** Heidi H. | Expert Coach, Small-Business (50 or fewer emp.) **Reviewed Date:** July 13, 2020 **What do you like best about Splitit?** We sell high value consulting services and Splitit is great for these. Clients love the ability to pay in installments. **What do you dislike about Splitit?** About half of our clients are international, and we occasionally have trouble with foreign banks either rejecting Splitit or tagging as potential fraud. **What problems is Splitit solving and how is that benefiting you?** We used to issue multiple invoices to clients and spent way too much time managing collections. Splitit has greatly simplified our accounting and has reduced our default rate. ### 9. Managing Cash Flow **Rating:** 5.0/5.0 stars **Reviewed by:** Avi G. | Small-Business (50 or fewer emp.) **Reviewed Date:** December 05, 2019 **What do you like best about Splitit?** I was looking for a way to streamline our cash flow for our business 'BodyJewelry.com'. I came across Splitit's installment payment solution, which is fantastic! We are now able to place a hold on shoppers' credit cards for the total amount which means that we are never paid late and can manage our cash flow more effectively. Additionally, Splitit is the EASIEST method of increasing revenue! Since implementing Splitit, we have seen an increase in sales and users! **What do you dislike about Splitit?** I only have positive feedback. Splitit has enabled my company to manage our cash flow and schedule payments as well as grow the business. **What problems is Splitit solving and how is that benefiting you?** Splitit has mutual benefits for merchants and shoppers. For 'BodyJewelry.com', there is no risk of late payments or not being paid at all. For shoppers, they are also able to manage their cash flow by spreading the upfront price over a monthly payment plan. We're loving Splitit and so are our customers! ### 10. The Perfect tool to upsell to any Country Customer. **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Health, Wellness and Fitness | Small-Business (50 or fewer emp.) **Reviewed Date:** June 05, 2020 **What do you like best about Splitit?** We can use it with any Country of origin of the clients. Our sales are protected by the Pre-Auth system. **What do you dislike about Splitit?** It is not that easy to be understood by the clients. We had to set our own documentation to explain the ecommerce clients how it works. **What problems is Splitit solving and how is that benefiting you?** Upselling and sales via credit card settlements toward any Country client. ### 11. A delight for all! **Rating:** 5.0/5.0 stars **Reviewed by:** Claye G. | Company Secretary, Small-Business (50 or fewer emp.) **Reviewed Date:** December 05, 2019 **What do you like best about Splitit?** The most helpful attribute of Split It is its ease of use. For customers and merchants alike, it has an incredibly easy interface that takes away all complication. One of my favourite aspects for consumers is that there is no credit check and also its interest free, which makes the customer feel at ease in terms of affecting their credit score. On the business side, I can gain all the information I need with just a few clicks of a button! **What do you dislike about Splitit?** Personally, its not at any a few sites that I would love to use this at! Let me buy a new TV please! Visually the design could use a bit of work as it seems still in its prototype stages however that doesn't take away from what it actually does. I would also like to see reports that could be exported in multiple formats. **Recommendations to others considering Splitit:** If you are looking for ease of use and an interest free payment system, then look no further! **What problems is Splitit solving and how is that benefiting you?** I can easily track my clients depending on what I am looking for, whether that be cleared accounts or pending credit card updates. This makes it a breeze for accounting purposes. I've also recently realised that the initial amount of the first instalment can be made so clients can also prolong and prepare for the future instalments. This leaves an impression of trust between our company and the client which is hugely beneficial for future business. ### 12. One of a Kind Payment Solution **Rating:** 5.0/5.0 stars **Reviewed by:** Kyle T. | Small-Business (50 or fewer emp.) **Reviewed Date:** February 07, 2020 **What do you like best about Splitit?** Splitit is easy and quick for customers to adopt. They're customer and marketing support is unrivaled. **What do you dislike about Splitit?** There is nothing I dislike enough to comment on. **Recommendations to others considering Splitit:** In my opinion, it's the best after pay solution on the market. **What problems is Splitit solving and how is that benefiting you?** We are making it easier for our customers to invest in a high quality sleep product. A decision to buy our product isn't and shouldn't be taken lightly, buy Splitit makes that decision one step easier. ### 13. A truly global solution based on a working and established payment infrastructure **Rating:** 5.0/5.0 stars **Reviewed by:** Christian S. | Mid-Market (51-1000 emp.) **Reviewed Date:** June 22, 2020 **What do you like best about Splitit?** - Great support (Onboarding/Operations/Technical) - Great value for customers **What do you dislike about Splitit?** - Everything is fine so far from our end **What problems is Splitit solving and how is that benefiting you?** Having a global solution which enables customers to pay over time. Which in the end leads to higher AOV´s. One integration for all markets. ### 14. Easy Straightforward Solution **Rating:** 5.0/5.0 stars **Reviewed by:** Avery A. | CRO, Mid-Market (51-1000 emp.) **Reviewed Date:** December 02, 2019 **What do you like best about Splitit?** Splitit is a straightforward installment payment solution that does not require heavy integration to get it live in checkout. T **What do you dislike about Splitit?** The solution isn't for all consumers, but the ones that understand the value of paying in installments without incurring late fees or penalties adopt this payment option readily. **Recommendations to others considering Splitit:** Lightweight integration allows you to try this software with low risk. Be sure to convey the value proposition that Splitit offers to your shoppers to allow them to buy now yet pay over time with no application and no fees. **What problems is Splitit solving and how is that benefiting you?** Increased AOV right away as well as growth in conversion rates, especially on abandon carts ### 15. Good service **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User in Consumer Goods | Mid-Market (51-1000 emp.) **Reviewed Date:** June 02, 2020 **What do you like best about Splitit?** It is a great achievement to have a provider like Splitit and the team / customer support is very responsive, quick and helpful. **What do you dislike about Splitit?** However it's frequent to have some techinical issues that we're still adjusting. **What problems is Splitit solving and how is that benefiting you?** We managed to increase conversion and we are working with a debt collector for uncollectable payments. Splitit was very helpful in the process. But currently our CS team sometimes struggles with some issues and we had also some techinical problems that we are still identifying from which side they belongs to. ### 16. Easy Way of Growing Sales **Rating:** 5.0/5.0 stars **Reviewed by:** Yulia A. | Small-Business (50 or fewer emp.) **Reviewed Date:** December 05, 2019 **What do you like best about Splitit?** Since integrating Splitit, I have seen exponential growth in the AOV and sales for my business 'NASHA'. The integration was simple and the customer service was great, they were super helpful! I have already received feedback from my customers about the ease of use and convenience of Splitit as there is no sign-up or application process, unlike other installment payment solutions. Thank you Splitit! **What do you dislike about Splitit?** I am very happy with Splitit, no complaints from me :) **What problems is Splitit solving and how is that benefiting you?** I have found that shoppers feel more comfortable buying higher value clothing and purchase more items when using Splitit as opposed to buying outright. Splitit has increased sales for NASHA by 12% and AOV by 20% which is outstanding! Cannot recommend Splitit more! ### 17. Increase Site Conversion by Offering Installments Payments **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Internet | Small-Business (50 or fewer emp.) **Reviewed Date:** December 02, 2019 **What do you like best about Splitit?** This installment payment solution is great, it doesn't require a credit check or application, it works off the shopper's existing credit cards, Visa or MasterCard. This is the ONLY "buy Now Pay Later" solution that works of the available credit on the credit card. You can offer it to your shoppers globally, it is the quickest checkout solution. Because it is so easy and simple it is increasing conversion by a lot. It is very responsible way to pay as it is always 0% interest for shoppers and no late fees. **What do you dislike about Splitit?** OK, this is the problem.... it doesn't work without a credit card. So it is not a consumer financing that you can apply for credit. **Recommendations to others considering Splitit:** This is a great way to create an excellent user experience for installments payments works very well with high AOV product and services. **What problems is Splitit solving and how is that benefiting you?** Increasing Conversion Increasing Average Order Value Lowering cart abandonment ### 18. Great solution for no interest financing **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Luxury Goods & Jewelry | Small-Business (50 or fewer emp.) **Reviewed Date:** February 25, 2020 **What do you like best about Splitit?** This service with no doubt increased our sales and our AOV. **What do you dislike about Splitit?** It is only available in the USA and Canada and does not support AMEX **What problems is Splitit solving and how is that benefiting you?** Offering my customers a way to finance their purchase with no credit checks ### 19. Realiable system and excellent operation team **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Accounting | Mid-Market (51-1000 emp.) **Reviewed Date:** February 26, 2020 **What do you like best about Splitit?** Users don't need to worry nothing, reasonable charge of merchant. **What do you dislike about Splitit?** I was trying to reach out someone on the website and it takes several days to get emails back. **What problems is Splitit solving and how is that benefiting you?** Some users not able to afford or not willing to pay the full amount for a single product, Splitit gives a chance to pay back monthly. ### 20. Innovative shopping experience **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Arts and Crafts | Small-Business (50 or fewer emp.) **Reviewed Date:** December 06, 2019 **What do you like best about Splitit?** I appreciate a lot their approach of putting a shopper in the center: all these flexible options of choosing a number of payments provide a real value. This means that people can purchase pretty expensive things without crashing their monthly budget. **What do you dislike about Splitit?** It works only with credit card. On on hand, it is great that you can pay with your existing card. On the other hand, there are many people who don't have a credit card. **What problems is Splitit solving and how is that benefiting you?** The main benefit is to "split" into installment payments something that is too expensive to be bought in one payment, ## Splitit Discussions - [What is Splitit used for?](https://www.g2.com/discussions/what-is-splitit-used-for) - [View Splitit pricing details and edition comparison](https://www.g2.com/products/splitit/reviews?section=pricing&secure%5Bexpires_at%5D=2026-05-13+09%3A31%3A38+-0500&secure%5Bsession_id%5D=38529899-ab6e-408b-8524-15d3d2b4f368&secure%5Btoken%5D=38cef5595f8dd456556faf63340d7edda4b5533bf0e4d557c25f4bf1dfaff9fc&format=llm_user) ## Splitit Features **Administration - Installment Payment and Buy Now Pay Later (BNPL)** - Email Notifications - Invoicing - Customer Portal - Loyalty Management **Payment Tools - Installment Payment and Buy Now Pay Later (BNPL)** - Payment Gateway - Payment Tracking - E-commerce Integration - Payment Scheduling **Agentic AI - Installment Payment and Buy Now Pay Later (BNPL) features** - Adaptive Learning - Proactive Assistance - Decision Making ## Top Splitit Alternatives - [GoCardless](https://www.g2.com/products/gocardless/reviews) - 4.6/5.0 (311 reviews) - [Sezzle](https://www.g2.com/products/sezzle/reviews) - 4.6/5.0 (119 reviews) - [Klarna](https://www.g2.com/products/klarna/reviews) - 3.2/5.0 (55 reviews)