SplitItUpdated 12 days ago

We offer Splitit as a flexible payment option at checkout, allowing you to spread the cost of your purchase into interest-free monthly instalments using your existing credit card. There is no application, no credit check, and no new debt.

How Splitit works

Splitit is different from other buy now, pay later services. Rather than applying for a new line of credit, Splitit uses your existing credit card to spread payments — so there is no application, no new loan, and no impact on your credit score.

• Choose Splitit at checkout and select how many monthly instalments you would like
• Your first instalment is charged when your order is confirmed
• The remaining balance is held as an authorisation on your credit card — this is not a charge, just a temporary hold to guarantee future payments
• Each month, your next instalment is charged automatically on the same date, and the authorisation is renewed for the new lower outstanding balance
• Once your final payment is made, the authorisation is released entirely

Why choose Splitit?

• 0% interest — no extra cost to spread your payments
• No application or credit check required
• No new loan or account to open
• Keep earning your existing credit card rewards
• Payments taken automatically — no need to remember due dates
• Accepted on Visa, Mastercard, and American Express credit cards

Frequently asked questions

Getting started

How do I pay with Splitit?

Add your items to your basket and proceed to checkout as normal. Select Splitit as your payment method, choose the number of monthly instalments you would like, and enter your credit card details. There is no application to complete and you will not leave our website. Your order is placed automatically once confirmed.

Which cards are accepted?

Splitit accepts Visa, Mastercard, and American Express credit cards. Debit cards are not accepted.

Is there a credit check?

No. Because Splitit uses your existing credit card rather than opening a new line of credit, there is no credit check and no impact on your credit score.

Is there any interest or fees?

No. Splitit is always 0% interest with no fees. The total you pay across all instalments is exactly the same as the original purchase price. Please note that your credit card provider may charge foreign transaction fees — check with your bank if you are unsure.

How many instalments can I choose?

The number of instalments available will be shown to you at checkout. Payments are split into equal monthly amounts. This may vary depending on your order value and your available credit.

Payments and the authorisation hold

What is the authorisation hold?

When you place your order, Splitit places a hold on your credit card for the full outstanding balance. This is not a charge — it guarantees your future instalments will be covered. The authorisation is renewed every 17 to 21 days and reduces with each instalment paid. Your previous authorisation is released once a new one is obtained. As long as your plan is kept on track, this hold is never charged to your card.

Why does my statement show a large pending amount?

The authorisation hold appears as a pending or reserved amount on your statement. This is completely normal and is not a charge. The amount shown will reduce each month as your instalments are paid and will disappear once your plan is complete. Your monthly instalment payments will show as charged or posted separately.

What is the difference between a payment and an authorisation?

Payments are the regular monthly instalments that are charged to your credit card — these show as charged or posted on your statement. Authorisations are taken in addition to your instalments as a guarantee for future payments — these show as pending or reserved on your statement and are not charged as long as your plan is up to date.

When will my payments be taken?

Your first instalment is charged when your order is confirmed. All subsequent payments are taken automatically on the same date each month. This date is fixed and cannot be changed.

Can I delay a payment or change my payment date?

No. Your payment date is set when your first instalment is taken and cannot be changed. Please ensure you have sufficient funds available on your card on the scheduled date each month.

Can I pay my plan off early?

You cannot make additional lump sum payments, but you can pay your next instalment early by logging into the Splitit Shopper Portal and selecting Pay next payment. This will advance your plan and reduce the number of remaining instalments.

What happens if my card does not have enough available credit?

Your card must have sufficient available credit to cover the full outstanding balance at the time of authorisation. If your available credit is insufficient, the authorisation may fail and your plan could be affected. Please make sure your card has enough available credit before placing your order and throughout the duration of your plan.

Managing your plan

How do I keep track of my plan?

After your purchase, Splitit will email you a link to the Shopper Portal where you can view your payment schedule, see upcoming authorisations, and manage your plan. You can log in at any time at portal.splitit.com.

How do I log in to the Splitit Shopper Portal?

There are three ways to log in:

• Magic Link — click Login with Magic Link and a single-use link will be emailed to you. Each link lasts 15 minutes and can only be used once.
• Google — log in with Google, provided the Gmail address matches the one used at checkout.
• Facebook — log in with Facebook, provided the email matches the one used at checkout.

Can I update my credit card?

Yes. Log in to the Shopper Portal to update your card. When you do, Splitit will re-authorise the new card for the full outstanding balance, and the authorisation on your previous card will be released. Please ensure the new card has sufficient available credit to cover the full outstanding amount before updating.

Returns, cancellations and refunds

What happens if I return my order?

Simply follow our returns process as normal — there is no need to contact Splitit directly, as they cannot make any changes to your plan without our authorisation. Once we have confirmed your return, we will notify Splitit who will cancel any remaining instalments and refund any amounts already paid. Refunds will be credited back to your card and may take up to 5 working days to appear. Splitit will email you to confirm when this has been done.

What happens if I return part of my order?

Once we have confirmed the partial return with Splitit, your outstanding balance will be reduced and your remaining instalments adjusted accordingly. Any refund owed to you will be credited back to your card and may take up to 5 working days to appear.

What happens if I cancel my order?

Please contact us as soon as possible. Once we confirm your cancellation with Splitit, any remaining instalments will be cancelled and any amounts already paid will be refunded to your card within 5 working days. For full details on our returns and refunds policy, please see our Returns & Refunds Policy.

My plan is still active but I have already returned my order. What should I do?

Payments on your plan will continue until we have confirmed the return with Splitit. If your plan remains active after you believe your return has been processed, please contact us and we will look into this straight away.

I haven’t received my order. Do I still need to pay?

Please contact us straight away if you have not received your order and we will look into your delivery. Payments on your plan will continue until we instruct Splitit otherwise, so the sooner you get in touch the better.

Who do I contact about my Splitit plan?

For queries about your payment schedule, authorisation hold, or Shopper Portal, contact Splitit directly:

• Via the Shopper Portal at portal.splitit.com
• Via live chat at splitit.com

For anything about your order with us — delivery, returns, or damage — please contact our team using the details below.