Splitit is a unique buy now, pay later option that lets customers break a purchase into smaller monthly payments with no interest, no credit check, and no extra fees. Splitit supports customers in 36 countries and, unlike traditional BNPL options, does not require customers to open a new line of credit. Instead, Splitit uses your existing, approved line of credit to split purchases up to $20,000 into monthly installments.
If the creator has Splitit enabled, the payment option appears automatically at checkout.
You can access all of Splitit’s help documentation at Splitit Shopper Help.
What is Splitit and how does it work?
At checkout, Splitit checks with your credit card provider to approve the full purchase amount. If approved, Splitit places a temporary hold on your card for the total amount. This is not a charge — it reserves your available credit so the merchant is guaranteed you can complete the payments.
- The hold temporarily reduces your available credit but will not appear as a charge on your credit card bill. You can continue using your full line of credit after the authorization goes through.
- The hold is required because your installments are not a loan; Splitit needs to guarantee the purchase to the merchant.
- The authorization is released within 30 days (but often much sooner — typically within a week). For some plans, Splitit re-authorizes at lower amounts as you pay each installment until the plan is complete.
- Hold length is determined by your bank or card issuer — contact them with questions.
Transaction limit: 20,000 USD per Splitit purchase.
You’ll get email updates throughout your plan and can log in to the Splitit Shopper Portal anytime to view your plan or make changes.
If you see the full amount at checkout instead of installment options, you’re likely using a debit card or business credit card. Splitit only works with personal credit cards. Switch to a personal credit card to use installments.
Supported cards
Splitit works with most major credit cards on Whop.
Supported:
- Visa
- Mastercard
- American Express
- Discover
- Debit cards (for pay-in-full Splitit purchases only)
Splitit can work with some, but not all, business credit cards.
Not supported:
- Prepaid cards
- FSA/HSA cards
Your card must have enough available credit to cover the full purchase amount (even though you only pay in monthly installments), because Splitit places a hold for the total.
If your card doesn’t work with Splitit, you can still checkout with other methods if the creator has them enabled: standard card, Klarna, Cash App Pay, Google Pay, Apple Pay, Zip Pay, Sezzle, Link Pay, PayPal, crypto, or ACH (on eligible purchases).
Supported countries
Splitit supports customers in the following countries:
Andorra, Australia, Austria, Belgium, Canada, Cayman Islands, Denmark, Faroe Islands, Finland, Germany, Gibraltar, Greece, Guernsey, Hong Kong, Iceland, Ireland, Isle of Man, Israel, Italy, Jersey, Liechtenstein, Luxembourg, Malaysia, Malta, Mexico, Monaco, Netherlands, New Zealand, Norway, Portugal, Singapore, Spain, Sweden, Switzerland, UK, US.
Why your payment might not be going through
Common reasons and what to do:
1. You’re using a debit card
Splitit only works with credit cards, not debit or prepaid cards. Use a valid credit card.
2. Not enough available credit
Splitit holds the full purchase amount on your card. If your available credit is too low, the transaction will fail.
Try a different credit card with a higher available balance.
3. Billing info doesn’t match
If your billing address or card details don’t exactly match what your card issuer has on file, the payment may fail. Double-check everything and try again.
4. Your bank declined the authorization
Banks sometimes block unfamiliar or large transactions. You can:
- Try the purchase again
- Contact your bank to approve the authorization
- Use a different credit card
5. Splitit fraud decline
Splitit uses a fraud-prevention system and may decline some transactions even when funds are available.
What to do:
- Retry with another payment method, or
- Try again with a smaller amount
Do not try to update your card more than 2 times in 24 hours. Too many attempts may trigger fraud alerts with your bank and could result in the card being blocked or canceled.
What to expect after paying with Splitit
1. Confirmation email
Splitit sends a confirmation email with your installment plan details:
- Total amount authorized
- Monthly payment schedule
- Number of payments
2. First installment charged; rest are automatic
Your card is charged for the first installment right away. Remaining installments are charged automatically each month on the same date until the plan is complete. No further action needed.
3. Hold on your card
A temporary hold for the full purchase amount stays on your card. It’s not a charge; it shrinks as you pay each installment until it’s fully released.
Example: Mike buys a 1,200 USD product with Splitit. At checkout he sees a 1,100 USD hold and a 100 USD charge. After one month, another 100 USD is charged and the hold drops to 1,000 USD. This continues each month until all payments are done.
4. Managing your plan
View your schedule, update your card, or check your balance in the Splitit Shopper Portal (log in with the email you used at checkout).
Can I pay off my Splitit plan early?
You can always pay your plan in full early. Log in to the Splitit Shopper Portal and select Pay Outstanding Balance (Credit/Debit). This charges the full outstanding amount from your chosen credit card.
Can I change the card I used to pay for my Splitit plan?
Log in to the Splitit Shopper Portal and select Update Card. Fill in all requested fields; if anything is left blank, the update will not go through. Only credit cards can be used for monthly installment payments or to secure a re-authorization.
Your updated card will be re-authorized on a successful update, so ensure it has enough available credit to cover your outstanding plan balance. If it does not, the update will be declined.
How to request a refund
While you manage your payment plan in the Splitit Shopper Portal, the easiest and fastest way to request a refund is through the Whop Resolution Center. Refunds for Splitit purchases work the same as any other Whop purchase.
Request a refund from your Orders page under your Account Settings.
Need help? Contact our 24/7 support team. 
