Financing option
SplitIt for high-ticket businesses
No new loan. No new credit check. Your customer's existing card, split into up to 36 payments. The highest approval rate in the stack, because there's nothing to approve.
Interest-free options available
Apply NowHow it works
A clear checkout path, with availability subject to credit approval and underwriting.
Step 1
Customer selects this option at checkout.
Step 2
Available options are assessed for the purchase.
Step 3
Customer picks an available plan.
Step 4
Funded per installment as each is charged; merchant carries normal card risk.
The breakdown
The PayFull program details for SplitIt.
| Ticket range | Typical range; $50,000+ possible |
|---|---|
| Terms available | 3–36 monthly installments |
| Customer cost | No interest added — the customer's own card terms apply |
| Credit check | None |
| Funding timing | Per installment, as each is charged |
| Consumer default risk | Merchant carries normal card risk |
| Originator / issuer | — |
Who it’s best for
- Customers who already have the credit and don't want another application. Highest approval rate in the stack.
- Businesses whose eligible customers are approved under the provider’s underwriting outcome.
- Merchants looking to offer an additional checkout path alongside other PayFull options.
Can I get approved in my industry?
SplitIt availability depends on your industry, ticket size, and underwriting outcome. Tell us what you sell and we’ll tell you straight whether we can get it approved.
Also consider
Related options with an overlapping checkout use case.
Financing
Affirm
The high-ticket workhorse. Terms up to 36 months, 0–36% APR, and no late fees — on approval amounts that actually cover a $20,000 program.
Pay in 4 (6 wks) · 3–36 months monthly
Learn moreFinancing
ClarityPay
Financing that stays in your brand. Six weeks to 36 months, white-labeled end to end, with your customers remarketed back to you — never cross-sold to a competitor.
6 weeks – 36 months
Learn moreFinancing
Klarna
The most recognized name at checkout. Pay in 4 for smaller tickets, financing up to 24 months for bigger ones, and a brand your customers already trust.
Pay in 4 (6 wks) · Pay in 30 days · 6–24 months financing
Learn moreProgram disclosures
- All financing is subject to credit approval. Ranges shown are typical; every provider sets limits per customer and per merchant, and approved amounts, terms, and rates vary by applicant.
- Availability of any given provider depends on your industry, ticket size, and underwriting outcome. Not every provider is available to every merchant.
- PayFull is not a lender or a bank. Loans and financing are originated by the lending partners named above.
- SplitIt is not a loan and not a BNPL product in the lending sense. It places an authorization hold against the available credit on the customer's existing credit card and charges installments to that card over time. That's why there's no application, no credit check, and no interest — but 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.
Start accepting payments the way your business actually sells.
Set up in days, not months. White-glove onboarding included on every plan.
Talk to us before you commit to anything.