splitit stores

What To Know About Splitit Stores To Buy Now Pay Later


Splitit is a Buy Now Pay Later (BNPL) service that has become increasingly popular as it helps consumers use their existing credit card to turn purchases into smaller, monthly payments that are interest-free. By allowing customers to split their purchases into smaller, more manageable payments, Splitit stores make it easier for people to buy what they need without straining their budgets too much. But how does Splitit work, and does it affect your credit? Let’s break down the details.

How Does Splitit Work?

With Splitit, your purchase is protected by a pre-authorization placed on your credit card as you pay off the total amount each month – no interest. That way, you receive all the advantages of paying with credit cards including rewards and fraud protection while making sure that only one payment is made right away. And every single time, Splitit will re-authorize the hold and decrease the balance owed until everything’s paid up!

  • With Splitit, you pick the number of monthly payments that work for both you and your wallet. The platform will authorize the full amount of your purchase on an existing credit card, setting aside any remaining balance until payment is completed in its entirety.
  • Instantly after you authorize the purchase, or once products have been sent out for delivery, your first installment will be charged.
  • Splitit proactively reauthorizes the remaining balance when its authorization period is coming to an end, allowing customers to continue utilizing their payment plan uninterrupted.
  • Splitit helps to alleviate the burden of a high credit line by charging your card each month until the payment plan is completed. As payments are made, they will reduce the hold on your credit line with every installment.

Does Splitit Do Credit Checks?

No. Unlike most traditional credit services, Splitit does not require a credit check or any other type of background check before approving a payment plan. As long as the customer’s card has enough funds available to cover the cost of their purchase, then they can easily set up a payment plan with no extra hassle or paperwork required.

Does Splitit Affect Credit?

No. Since there are no credit checks involved in setting up a payment plan with Splitit, using this service will not affect your credit score in any way. The only thing that will happen is that you will have one less bill to pay each month since you are splitting your purchase cost over several months instead of paying all at once. 

What Stores Accept Splitit?

Currently, there are over 3000 ecommerce stores in over 30 countries that accept payments through the Splitit platform including several online mattress brands. You can find out more about which recommended stores accept this service by visiting the retailers listed below. 

List of Splitit Stores

Are we missing any Splitit stores? If so, please contact us for us to update the Splitit stores list. 

How Does SplitIt Make Money?

While there are no fees associated with setting up a payment plan with SplitIt for consumers, the company does make money off of merchants who use its services because it charges them transaction fees for each completed sale made through its platform. Additionally, some retailers also offer exclusive discounts on purchases made with this service which helps incentivize people to use it over other forms of payment such as cash or traditional cards like Visa or Mastercard.

More Splitit Stores FAQs

There are some other common questions about Splitit and how it works with stores.

How do I contact Splitit?

Visit the Splitit Help Center. You can live chat or contact via email. 

Can I pay with a debit card?

Unfortunately, Splitit is only able to accept credit cards at this time. 

Can I use SplitIt to make purchases in-store?

Unfortunately, Splitit cannot be used in-store – all transactions must occur online.

Does SplitIt work with all credit cards?

Yes, SplitIt works with all major credit cards, including Visa, Mastercard, American Express and Discover.

Is Splitit an Australian company?

Splitit, initiated in 2012 by Alon Feit and Gil Don of Australia, has since established its headquarters in Atlanta. Additionally, the company features an R&D center located in Israel as well as offices across London and Australia.

How does SplitIt protect my financial information?

SplitIt uses the latest encryption technology to protect your financial information. Your payment details are stored securely and never shared with third-party merchants.

Can you use Splitit on Amazon?

Unfortunately, Amazon does not accept Splitit financing at this time. 

Is there a limit to how much I can spend with SplitIt?

You can spend up to the amount of your credit card limit or the individual merchant’s set boundaries for Splitit installment transactions.

Is there a fee for using SplitIt?

No, SplitIt does not charge any fees to customers. However, merchants do pay a transaction fee for each payment plan completed through the service.

How is Splitit different to Afterpay?

Splitit and Afterpay are both payment services that allow customers to pay for their purchases in installments. However, the main difference is that with Splitit, customers are not required to undergo a credit check in order to set up a payment plan.

How secure is SplitIt?

SplitIt is a secure and safe payment service that uses the latest security protocols to protect customer data. Additionally, all transactions are monitored by fraud prevention tools to ensure your payments are secure.

Is Affirm or Splitit better?

This really depends on the individual needs of the customer and which service offers better terms and conditions. For example, Affirm may provide more flexibility in terms of payment plans that Splitit does. However, Splitit does not require a credit check and is typically faster to set up than Affirm. Ultimately, it is best to compare both services and decide which one works best for your needs.

How much does Splitit charge merchants?

Splitit charges a transaction fee to merchants for each payment plan completed through its platform. This fee varies depending on the merchant, but typically ranges from 1.9% to 4.5%. Additionally, Splitit may also charge a monthly subscription fee for merchants who use its services on a regular basis.

Does Splitit have an app?

Yes, Splitit has a mobile app available for both iOS and Android devices. The app allows customers to set up payment plans, monitor their spending and make payments in a secure environment.

Can I pay off my Splitit plan early?

Yes, customers can pay off their payment plan early at any time without penalty. This allows customers to pay off their balance faster and save on interest payments.

Splitit Alternatives

If you by chance do not qualify for Splitit (anyone with a credit card should qualify though), we recommend the following buy now pay later financing providers. Click the corresponding BNPL option to see which stores accept that method. 


Splitit stores are a great way for customers to pay for their purchases in installments without having to undergo a credit check. Not only does this BNPL service allow you to spread out your costs over multiple payments but also doesn’t require any kind of background check which makes it even more attractive for those looking for an easy solution when making purchases online! With its popularity increasing every day due to its convenience and affordability, there’s no doubt that this option will continue gaining traction in the BNPL world. 

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