FREE FOREVER! Use the platform at 0 costs!

Offer credit card installments
without bank approvals.

Splitmo lets your customers use their existing credit cards to split purchases into
budget-friendly installments—while you get paid upfront with 0% card processing fees.

Get Started
Get Started
Higher order value per sale
Fewer abandoned checkouts
0% processing fees

Everything You Need to Offer
Installments

Splitmo turns any credit card payment into smaller, budget-friendly installments that encourage responsible spending.

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One Platform for All Cards

Accept Visa, Mastercard, JCB, and Amex installments in a single dashboard.

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Instant Checkout Links

Generate payment links in seconds and send via SMS, QR code, or email.

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Flexible Installment Plans

Let customers choose terms that fit their budget while you get paid in full.

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Upfront Payouts

Receive the full amount minus fees—no waiting for each installment

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Easy Setup

Plug Splitmo into your current flow without new bank approvals.

How Splitmo Works

Splitmo turns any credit card payment into smaller,
budget-friendly installments that encourage
checkout
Step 1
Customer chooses Splitmo

Your customer selects Splitmo at checkout and we send a secure payment link to your customer’s phone.

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Step 2
Customer enters card & terms

They use their existing credit card and choose their preferred installment plan.

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Step 3
Payment completes

Customer confirms transaction—Splitmo handles the installments while you get paid upfront.

Make every checkout count.

Use Splitmo installments to reduce cart abandonment,
lift order value, and convert more credit card customers.
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Decrease cart abandonment

Give customers a flexible way to pay so they complete more checkouts instead of dropping off at payment.

Show the monthly installment amount right at checkout so customers see that the purchase fits their budget.

Customers use their existing credit cards—no signups, apps, or new lines of credit that cause drop-offs.

A secure payment link goes straight to your customer’s phone, reducing friction and abandoned carts.
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Higher average order value

Make upgrades, add-ons, and bundles feel affordable by spreading payments into smaller installments.

Installments make big-ticket items feel more affordable, so customers can confidently upgrade.

Smaller monthly amounts make it easier for customers to add accessories, warranties, or extra items.

Offer multiple installment options so customers can choose what works best—and comfortably spend more.
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Drive more conversions

Use fast, link-based checkout and simple steps that turn more interested shoppers into paying customers.

Splitmo’s flow is built to approve more qualified customers, turning more visits into paid orders.

Your team triggers Splitmo in a few taps; customers complete payment in seconds, not minutes.

Use the same process for e-commerce, in-store, or remote orders so your team never loses a sale.
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0% card processing fees

Offer card installments on major credit cards while keeping your full margin—no processing fees on your side.

Accept credit card installments without card processing fees eating into your margins.

Use Splitmo with your existing systems—no new terminals, acquirers, or complex integrations.

Know exactly what you’ll earn on every Splitmo sale, making revenue and pricing easier to plan.

Fits right into your checkout

Use Splitmo alongside your current payment stack so you can
offer installments without changing how you work.

Frequently Asked Questions

Quick answers about how Splitmo works for your
business and your customers.

Splitmo is a flexible payment solution that allows your customers to use their existing credit cards and split their purchases into fixed monthly installments. Your business receives the full amount upfront while your customers enjoy easier, budget-friendly payment terms.

Splitmo accepts major international credit cards, including Visa, Mastercard, JCB, and American Express. As long as the card is active and valid, it can be used to avail of installment payments.

At checkout, the customer selects Splitmo as their payment method, chooses their preferred installment plan, and completes payment using their credit card. Your business receives the full amount upfront while Splitmo handles the installment process.

Splitmo charges a minimal convenience fee per transaction. You may choose to pass this fee to your customer or absorb it — whichever fits your business model.

Payouts are credited within 3–5 banking days.The timeline depends on the card network (Visa, Mastercard, JCB, AMEX) and the clearing schedule of our partner banks, especially during holidays or weekends.Rest assured that all settlements are fully processed. If you need assistance, our support team is responsive from 7:00 AM to 10:00 PM daily.

No. You may continue using your existing bank account. Splitmo can deposit payouts to any local bank account registered under your business.

Yes. Splitmo uses bank-grade encryption, OTP (One-Time Password) verification, and strict compliance standards to protect every transaction.
We do not store any sensitive card information — ensuring customers’ data remains fully secure.

Splitmo works for a wide range of businesses — from clinics, retail, salons, and electronics, to e-commerce and service-based providers.
Any business offering higher-value purchases or looking to provide installment options can benefit from Splitmo.
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Can't find what you're looking for?

The Splitmo team is always here to support
you and your business.

Contact Us

Ready to turn more credit
card checkouts into sales?

Book a demo to see how Splitmo lets your customers pay in installments with their
existing credit cards—while you get paid upfront with 0% processing fees.
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