Splitit Embeds Card-Linked Installments Across SHOPLINE’s 700,000+ Global Merchants

Splitit has partnered with SHOPLINE to embed card-linked installment payments directly into the commerce platform. This integration allows over 700,000 merchants to offer "pay over time" options using existing credit lines, bypassing the friction of new loan applications and providing a critical tool for brands expanding into mature credit markets like the United States.

What was announced

The partnership centers on the deep integration of Splitit’s white-label installment technology into the SHOPLINE Software-as-a-Service (SaaS) ecosystem. This allows SHOPLINE’s global merchant base—which currently exceeds 700,000 businesses—to activate installment payment options through a simple plug-in. Unlike traditional Buy Now, Pay Later (BNPL) services that require consumers to undergo a new credit check or apply for a separate loan at checkout, Splitit utilizes the available credit already present on a consumer’s existing credit card. This "card-linked" approach is designed to provide a frictionless, one-click experience that keeps the shopper within the merchant’s branded environment.

The service is specifically tailored for merchants operating across Asia-Pacific, Europe, North America, and the Middle East. A primary focus of the rollout is supporting direct-to-consumer (DTC) brands in international markets that are looking to scale their operations into the United States and other mature credit economies. By embedding these capabilities, SHOPLINE aims to help its users increase sales conversion rates and average order values (AOV) by presenting installment offers at various stages of the shopper journey, rather than just at the final payment step. The integration is designed to be a native capability of the SHOPLINE platform, intended to make adoption effortless for merchants while delivering commercial value without disrupting existing checkout flows.

"Commerce platforms have become the primary distribution channel for innovation in ecommerce."

John Beisner, Head of Acceptance Partnerships at Splitit.

The companies involved

SHOPLINE is a major global commerce SaaS platform that provides an end-to-end suite of tools for modern retail. Its capabilities span traditional ecommerce, social commerce, point-of-sale (POS) systems, and customer engagement tools. The platform is particularly noted for its strength in live commerce and cross-border selling, helping brands manage the complexities of operating across multiple international jurisdictions. With a presence in key markets across Asia and the West, SHOPLINE has positioned itself as a primary infrastructure provider for brands to launch and scale globally.

Splitit operates as a specialist in the installment payment sector, distinguishing itself through its card-linked model. Rather than acting as a direct lender, Splitit provides the technology layer that allows merchants to tap into the existing available global credit on consumer cards. The company’s strategy focuses on embedding its technology within established commerce platforms, marketplaces, and payment ecosystems. This partnership-led distribution model is designed to simplify merchant adoption by removing the need for complex, individual integrations, instead making the technology available through the software providers that merchants already use to run their businesses.

What FF News has reported before

Splitit has been active in expanding its reach through high-profile technical integrations and strategic partnerships over the last year. In October 2025, FF News reported on a significant collaboration between DXC and Splitit, which aimed to bring installment payments to over 300 million bank account holders. This followed the launch of a partner program for agentic commerce, designed to future-proof the company's installment technology for AI-driven shopping experiences.

The company has also made inroads into the mobile wallet and global merchant sectors. Earlier in 2025, Samsung Wallet launched in-store installment payments powered by Splitit, marking a major expansion into physical retail environments. Additionally, Splitit partnered with Antom to expand access to its card-linked installments for merchants on a global scale, further solidifying its position as a preferred partner for large-scale payment ecosystems.

What this means

This partnership signals a continuing shift in the installment landscape away from standalone "loan-at-checkout" models toward "credit-utilization" models. As the BNPL sector faces increased regulatory scrutiny and rising customer acquisition costs, Splitit’s white-label, card-linked approach offers a lower-friction alternative for merchants who want to maintain control over their brand experience. By partnering with a platform like SHOPLINE, Splitit gains immediate access to a massive, pre-integrated merchant base, effectively bypassing the need for individual sales cycles. For the industry, this move places pressure on traditional BNPL providers to prove they can offer similar conversion benefits without the high friction of new credit applications.