How Splitit works

When you buy using Splitit, the retailer takes your first instalment straight away, this may be later if your goods are being shipped at a later date. The rest of your monthly instalments are automatically taken on the same date of each month as your first one. This date cannot be changed. Monthly instalments show as ‘charged’ or ‘posted’ on your account.

In addition to your monthly instalment payments, the full outstanding amount is authorized (held) on your card to guarantee future payments. Authorizations are usually renewed every 17-21 days until your plan is paid off. Authorizations get smaller with each instalment paid. The previous authorization is released once a new one is obtained. Authorizations show as ‘pending’ or ‘reserved’ on your account. If your plan is kept on track, these authorizations are not charged. 

I’ve just made a purchase using Splitit. Why does it look like I’ve been charged in full?

You have not been charged in full; your card has simply been authorized for the full outstanding amount to guarantee future payments. 

Does Splitit hold the full amount on my credit card?

Yes.

When is the first payment?

When you buy using Splitit, the retailer takes your first instalment straight away, this may be later if your goods are being shipped at a later date. The rest of your monthly instalments are automatically taken on the same date as your first one. This date cannot be changed. Monthly instalments show as ‘charged’ or ‘posted’ on your account.

Do all Splitit plans work in the same way?

No, the way Splitit works varies from retailer to retailer, depending on their payment processor.

For all plans; in addition to your monthly instalments, the full outstanding amount is usually authorized (held) on your card to guarantee future payments. These authorizations may be temporary (up to 30 days) or they may be required to stay in place for the duration of your plan until it is cleared. Splitit has no control of this as it is determined purely by the payment processor used by the retailer. 

How much do I pay when I make my purchase and each month?

Payments are split into equal instalments. 

When you buy using Splitit, the retailer takes your first instalment straight away, this may be later if your goods are being shipped at a later date. The rest of your monthly instalments are automatically taken on the same date as your first one. This date cannot be changed. Monthly instalments show as ‘charged’ or ‘posted’ on your account.

Orders and Returns

I have not received my order yet. What happens to my Splitit instalment plan?

Splitit provides technology that allows stores to offer instalment payments to their shoppers using credit cards shoppers already have. 

Issues with your order are handled by Harbour Lifestyle so please contact us directly.

Payments on your plan will continue until the retailer tells us otherwise. 

I want to cancel my installment plan. What should I do?

Please contact the retailer you made your purchase from as Splitit is not authorized to cancel your plan. Once they’ve completed your request, we will cancel any remaining payments and clear your plan. 

Any instalments you’ve already paid will be refunded back to your card and we’ll email you to let you know when this has been done.

Can I return or cancel my purchase and stop my Splitit instalment plan?

Please contact the retailer you made your purchase from as Splitit is not authorized to cancel your plan. Once they’ve completed your request, we will cancel any remaining payments and clear your plan.

Refund requests are reviewed by the merchant in line with their published returns policy which you can usually find on their website. 

Payments on your plan will continue until the retailer tells us otherwise.

I’m returning something I purchased using a Splitit instalment plan. What do I need to do?

Simply follow the returns instructions on the retailers website. 

There is no need to contact us as we are not authorized to make any changes to your plan unless the merchant instructs us to. 

Once we’ve had confirmation from the retailer that they’ve refunded you, we’ll either cancel or adjust your plan depending on whether there is anything left to pay.

Payments on your plan will continue until the retailer tells us otherwise. 

What happens to my payments if I return the whole of my order for a refund?

Once the retailer you bought from has approved your cancellation or return, they will process your refund, cancel future instalment payments and clear your plan. Any remaining refund balance will be credited back to your chosen  card and may take up to 5 working days to appear in your account. We’ll email you to let you know when this has been done.

Refund requests are reviewed by the merchant in line with their published returns policy which you can usually find on their website.  

I’ve cancelled or returned the whole of my order. How will I be refunded?

Refund requests are reviewed by the merchant in line with their published returns policy which you can usually find on their website. 

Payments on your plan will continue until the retailer tells us otherwise. 

Once the retailer you bought from has approved your cancellation or return, they will process your refund, cancel future instalments and clear your plan. Any remaining refund balance will be credited back to your chose  card and may take up to 5 working days to appear in your account. We’ll email you to let you know when this has been done.

Payments and Authorizations

I’ve just made a purchase using Splitit. What happens now?

When you buy using Splitit, the retailer takes your first instalment straight away, this may be later if your goods are being shipped at a later date. The rest of your monthly instalments are automatically taken on the same date as your first one. This date cannot be changed. Monthly instalments show as ‘charged’ or ‘posted’ on your account.

You don’t need to do anything else.

What’s the difference between a payment and an authorization?

Payments are the regular instalments that are charged to your credit card. Authorizations for the full outstanding amount are taken in addition to your regular instalments, to guarantee your future payments.

Why do you need to authorize my card with the full amount as well as my regular installment payments?

The full outstanding purchase amount is authorized to guarantee future payments.

How do I know if and when my card will be re-authorized with the full amount?

You can check your monthly payments as well as whether a re-authorization is due (when and for how much) in the Splitit shopper portal. 

Monthly instalments show as ‘charged’ or ‘posted’ on your account and authorizations show as ‘pending’. As long as your plan is kept up to date, these authorizations are never charged.

View and Manage My Plans

How can I keep track of my Splitit instalment plan?

Once you’ve made your purchase, we’ll email you a link to the shopper portal so that you can keep track of your plan.

How do I log into the Splitit shopper portal?

There are 3 ways to log in to the shopper portal:

1. Request a secure link by clicking on the ‘Login with Magic Link’ button. A single use link will be emailed to you straight away. Each magic link lasts for 15 minutes and can be used only once so you will need to generate a new one each time you log in.

2. Login with Google as long as your Gmail was the one you used when you made your purchase on the retailer website

3. Login with Facebook as long as the email you use for Facebook is the one email you used when you made your purchase on the retailer website

How do I update my credit card?

Just log into the shopper portal and you’ll be able to update your credit card with another one.

You can only update your card 2 times in any 24 hour period. 

Splitit will re-authorize your new card with the full outstanding amount of your plan to guarantee future payments (the authorization on your previous card will be released). Please ensure you have the full outstanding amount available on your new credit card otherwise you will not be able to update your card.

Can I make additional payments on my installment plan?

You cannot make additional payments but you can pay your next instalment early in the shopper portal by selecting ‘Pay next payment’.

Can I delay my payment?

No. 

When you buy using Splitit, the retailer takes your first instalment straight away, this may be later if your goods are being shipped at a later date. The rest of your monthly instalments are automatically taken on the same date as your first one. This date cannot be changed. Monthly instalments show as ‘charged’ or ‘posted’ on your account.

Sample plan

Purchase price of $3,000 split over 6 months using your existing credit card.

Have any other questions?

📧 Email Us: [email protected]
📱 Phone Us: 0330 808 1744
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