SplitIt Merchant Onboarding: What Published Rules Say

Start with SplitIt's merchant-facing pages before you write anything down. Rules can change, so the live page is the only reliable version. This guide names the source instead of guessing at rules that may not be there.

One product fact does shape eligibility. SplitIt places an authorization hold against the available credit on the customer's existing credit card, then charges installments to that card over time. Because of that, the customer needs enough available credit to cover the whole purchase at checkout. That detail matters when you plan your average order size.

That mechanism is not the same as an approval rule for your business. SplitIt still sets its own merchant criteria. Read them on splitit.com, and confirm the current version before you apply. PayFull has no authority, control, or influence over SplitIt's decision and does not underwrite.

Prohibited-merchant rules tend to sit in the merchant agreement or an acceptable-use policy. The exact wording belongs to SplitIt, and it can change. The safest move is to open SplitIt's own page and read the list as written.

Here is what can be confirmed from SplitIt's documented model, not a category list:

• Card networks matter. SplitIt supports Visa and Mastercard; Amex, Discover, and UnionPay depend on the merchant.
• Card types matter. Debit cards and prepaid cards are not supported, because the model relies on available credit on a credit card.
• Available credit matters. The customer must have enough available credit to cover the full purchase at checkout.

If your product needs a specific network or card type, confirm it in SplitIt's own documents first. When a rule you need is not written on SplitIt's pages, treat that as a gap to resolve with SplitIt, not a rule to assume.

Most merchant onboarding follows a familiar shape. First, you share business details. Next, you review and accept the merchant agreement. Then you connect SplitIt to your checkout. Finally, you test the flow before going live.

At each stage, you should know what you see and what stays private. You see your own onboarding steps and your integration status. In contrast, the customer's card details and any card assessment stay strictly between the customer and SplitIt. As a result, you do not see the customer's card limit, and you should not expect to.

Because the intake list can change, do not treat this shape as SplitIt's official form. Instead, read SplitIt's current merchant onboarding page for the exact fields and documents it asks for.

Service businesses differ from product sellers in one key way: the value is delivered over time, not shipped in a box. As a result, providers usually care about how and when you deliver, and how refunds work.

Keep these SplitIt-documented facts in mind as a service merchant. SplitIt funds the merchant per installment as each one is charged, and the merchant carries normal card risk; SplitIt is the exception here because it is not lender-funded. Spell it "SplitIt" and keep that distinction in every funding discussion.

• Chargebacks work like normal card charges. SplitIt treats chargebacks the way any normal card transaction would.
• Card rules still apply. The available-credit, network, and card-type rules above apply to service sales too.

Still, none of this replaces SplitIt's own service-business criteria. Read them directly, and note any requirement that is missing so you can confirm it with SplitIt.

Online checkout and offline closes can follow different rules. A phone sale collects card details differently than a web checkout. Providers often set specific steps for those cases, so the details matter.

The supplied evidence does not include a SplitIt page covering phone or in-person closes. This is a gap, not a rule. To resolve it, ask SplitIt directly or find the specific merchant page that covers offline acceptance. Above all, do not assume the online flow applies unchanged.

The reason is practical: the authorization hold and installment charging still depend on a supported credit card, so any offline capture method has to fit that model. Confirm the exact steps in SplitIt's own documents before you promise a phone or showroom option to customers.

Use this checklist against SplitIt's own pages, in order:

1. Eligibility — Read SplitIt's merchant criteria and confirm your business fits.
2. Prohibited categories — Check the acceptable-use or merchant terms for your category.
3. Required intake — Note the exact documents and fields SplitIt asks for.
4. Card support — Confirm network and card-type support for your customers.
5. Merchant agreement — Read the funding, chargeback, and risk terms in full.

Above all, remember who decides. Every approval and eligibility decision belongs to SplitIt under its own underwriting. PayFull has no authority, control, or influence over that decision and does not underwrite.

For the branded commercial view of SplitIt inside PayFull's checkout, see /products/splitit. For neutral category context, see /products/compare. To learn how a merchant offers financing inside its own checkout, see /platform/checkout.

Required SplitIt disclosure

SplitIt is not a loan and not a BNPL product in the lending sense. Instead, it places an authorization hold against the available credit on the customer's existing credit card, then charges installments to that card over time. With SplitIt there is no application and no interest added — the customer's own card terms apply. It also means the customer needs enough available credit to cover the entire purchase at checkout, the merchant is funded per installment rather than upfront, and chargebacks work like any normal card transaction. Debit cards and prepaid cards are not supported. Visa and Mastercard are accepted; Amex, Discover, and UnionPay depend on the merchant. All financing is subject to credit approval, and availability depends on your industry, ticket size, and underwriting outcome. PayFull is not a lender or a bank.