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Splitit Review

Depends

Should I use Splitit?

Earn the rewards you love, choose the number of installments, and gain a level of control that traditional "buy now, pay later" providers can't give you. - splitit.com

· 14 hours ago

Buy if you sell high-ticket goods online and want card-based installments with no consumer interest or credit application. Skip if you need transparent merchant pricing, strong support reputation, or low-ticket checkout simplicity.

Confidence

Medium. Based on ~30 public sources; merchant pricing figures unavailable in evidence.

Ratings

  • Value for money
  • Ease of use
  • Feature depth
  • Support quality
  • Security posture

Pricing

Not disclosed

ModelNot disclosed
Monthly feesNot disclosed
HardwareNot disclosed

Best for

  • High-ticket ecommerce merchants
  • Electronics, bikes, and travel retailers
  • Enterprises wanting white-label installments
  • Shoppers with spare credit-card limit

Not for

  • Low-ticket stores — installment friction isn't worth it
  • Merchants wanting published, transparent pricing
  • Consumers without spare credit-card headroom
  • Buyers needing instant BNPL approval without card limits

Gotchas - check before you buy

high

Patch the WordPress plugin before install — CVE-2025-4105 disclosed May 2025.

medium

Merchant pricing not public — four plans listed, rates require a sales call.

medium

Customer cards are authorized for the full amount at checkout; refunds delay funding.

medium

Support quality contested: BBB complaints and angry G2 reviews exist.

Pros and cons

Pros

  • No interest, no credit application — installments on the customer's existing card
  • Reports 80%+ authorization rates versus traditional BNPL
  • White-label Installments-as-a-Service option for enterprise merchants
  • PCI DSS certified, with published GDPR data-protection addendum
  • Global partnerships: Alipay/AliExpress, DXC, Samsung Wallet

Cons

  • Just 3.3/5 on Trustpilot across 22,210 reviews
  • WordPress plugin vulnerable to missing authorization (CVE-2025-4105)
  • Users report unexpected full charges and billing disputes
  • Went private 2023; 2025 strategy pivot adds uncertainty
  • Needs full available credit on customer's card, confusing buyers

Sources & method

- 10 sources - PCI DSS certified with GDPR addendum; one 2025 CVE in the WordPress plugin (CVSS 5.4).

official x2review x4security x1news x3
  • CVE-2025-4105: Missing authorization in Splitit WordPress plugin, CVSS 5.4; disclosed May 2025. Patch or verify the plugin version before deploying on WordPress.

Key stats

  • Value for money: 3/5

    Rating

  • Not disclosed

    Starting price

  • 10

    Sources

  • Analyzed

  • Value for money: 3/5. No consumer interest; merchant rates hidden
  • Ease of use: 4/5. Uses existing card; no redirect checkout
  • Feature depth: 3/5. Installments-as-a-Service, white-label, gateway options
  • Support quality: 2/5. 3.3/5 over 22,210 reviews; BBB complaints
  • Security posture: 3/5. PCI certified; one WordPress CVE in 2025
  • 3.3/5 Trustpilot rating 22,210 reviews (via RFP.wiki)
  • 4.1/5 G2 seller rating G2 seller page
  • Went private 2023 Ownership in exchange for fresh funds

Pricing

Not disclosed

Security

PCI DSS certified with GDPR addendum; one 2025 CVE in the WordPress plugin (CVSS 5.4).

  • CVE-2025-4105: Missing authorization in Splitit WordPress pluginCVSS 5.4; disclosed May 2025. Patch or verify the plugin version before deploying on WordPress.⁵

What users say

Merchants like the card-based model, but consumer reviews skew negative, citing billing surprises and support frustration.

“I will never use Splitit”
Reddit, r/Purism
“What's the point of paying with Splitit?”
Reddit, r/ableton
“DO NOT GIVE THEM YOUR CREDI”
G2 review

Alternatives

Compare Splitit with each alternative.

Companies that use it

  • Samsung (Samsung Wallet)10
  • AliExpress (via Alipay partnership)
  • Canyon Bikes
  • Ableton
  • Alternative Airlines
Full analysis

Based on ~30 public sources; merchant pricing figures unavailable in evidence.

Card-based BNPL for merchants: no interest, solid tech, but 3.3/5 consumer rating, a 2025 plugin CVE, opaque pricing.

Methodology

Based on ~30 public sources; merchant pricing figures unavailable in evidence.

Read how a report is made.

Sources

  1. Splitit vs Sunbit — RFP.wiki (Trustpilot data)rfp.wiki
    review
  2. 5 Things to Know About Splitit — NerdWalletnerdwallet.com
    review
  3. Splitit Trustpilot reviewstrustpilot.com
    review
  4. Splitit G2 reviewsg2.com
    review
  5. CVE-2025-4105 — Splitit WordPress pluginstrix.ai
    security
  6. Splitit Pricing Plans (official)splitit.com
    official
  7. BNPL vendor Splitit moves to go private — TechCrunchtechcrunch.com
    news
  8. Splitit pivots customer strategy — Payments Divepaymentsdive.com
    news
  9. Splitit eCommerce Installment Payments — Nilson Reportnilsonreport.com
    news
  10. Samsung Wallet + Splitit (official)samsung.splitit.com
    official

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