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Business Services

Splitit

204 reviews

4.3204 reviews
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About Splitit

Data updated
Website
www.splitit.com
Category
Business Services
Location
United States · Atlanta
Status
Unclaimed
Last 12 months
204 reviews
Replies to negative
94% (29/31)
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Is Splitit legit?

Splitit (www.splitit.com) has a 4.3 out of 5 rating on OK.one, based on 204 user reviews collected here. It is listed under Business Services and its reputation is good. 83% of reviews are 4 stars or higher and 12% are 1 star; The business has replied to 94% of negative reviews. Last updated 2026-08-10.

What people say

l
laoji · 2 reviews · Verified · Experienced 2026-07-15 ·

As expected.

Your company still has a $3000 hold on…

Your company still has a $3000 hold on my credit card......and its been 10 days

Reply from Splitit2026-07-28

Thank you for sharing your experience! For all installment plans powered by Splitit, you will see two transactions after checkout: 1. One is the temporary authorization (hold) on your card that guarantees your purchase. 2. The other is the first installment, which is charged immediately. We have not charged you in full; what you are seeing is the temporary authorization hold, plus your first payment. With Splitit, you get the benefit of only paying your monthly installment, plus all the benefits of paying with your existing credit card, no new loans or any additional fees! We hope this information addresses your concerns!

Did not authorize installment plan

Did not authorize installment plan, and did not authorize money to be taken out of my account.

Reply from Splitit2026-07-28

Greetings Mary, We appreciate you for sharing your experience. Splitit is a technology company that works with Merchants like AliExpress to offer payment options at checkout.  When using the “pay after delivery” option with AliExpress, the entire purchase amount is authorized by your credit card to ensure future payment; this is not a charge but simply a temporary hold.  For a complete view of your orders and payment status, the best resource is the AliExpress app or website. You can view all your PAD plans there.  For questions about Splitit contact our Support team [email protected] (mailto:[email protected]) at any time. We are here to help!

Terrible customer service – Holding my $169 for over 4 months

I have been stuck in a loop between SplitIt and the provider for over four months regarding a $169 refund from March 2026. A brief bank dispute was cancelled and closed months ago, yet SplitIt refuses to release the funds, and the provider claims SplitIt is holding the money. Countless emails later, nobody is taking responsibility. Incredibly frustrating experience. Avoid.

Reply from Splitit2026-08-03

Greetings Teja,  We are very sorry to hear that this payment issue is not yet resolved. The issue here is that a dispute was filed, and the resolution process can often take months. The Merchant and Splitit are tied to the specific card network rules regarding disputes, and we cannot take any action until it is fully resolved. Our system still has not received the resolution from your card company, which is why you have not yet received the final refund. Rest assured, as soon as we get the final resolution, the appropriate actions will be handled automatically. Thank you kindly for your understanding!

ABYSMAL CUSTOMER SERVICE

ABYSMAL CUSTOMER SERVICE. Arranged to make accelerated payments to pay my plan off early. They took the advanced PAYMEMTS then delayed billing remaining PAYMEMTS so I couldn't accelerate payoff. Tried paying off via website but payoff selection button won't work. Downloaded app but app would not sync to web account and showed I had no account! Repeated online chat bot request for help keep referring me to options that repeatedly fail. Repeated chat requests for phone help lead to promises of contact with ever increasing wait times, which pass with no contact. STAY AWAY FROM THIS COMPANY. Once in their clutches you lose all control of your account.

Reply from Splitit2026-07-28

Hi Melanie, We appreciate you sharing your experience and are disappointed that the Splitit Support team did not meet your expectations. Our Client Support Director will investigate your experience to ensure improvements are made among our team. She may reach out for more information, so stay tuned for any follow-up.  For any other questions navigate to the Shopper Portal consumer.splitit.com/active (https://consumer.splitit.com/active) and engage with our 24/7 chat team. We are happy to help!

Don’t use this !!

This company is part of a system to differ your payments and make it difficult to stop the payment from a vendor that really doesn’t provide what they advertise. It all looks great until you realize it’s not and now there are 2 additional entities, WHOP and Splitit that you now have to try to get to stop billing you because you dispute the services or product you are provided with that do not really live up to what is advertised. Don’t use WHOP or Splitit to make payments on a separate vendors product!

Reply from Splitit2026-07-28

Hi Carmine, Thanks a lot for sharing your feedback. The best way to handle this situation is to reach out to the Merchant directly. Splitit is a technology company that makes the installment plan possible, but your purchase and any order changes are always handled by the Merchant. Returns and refunds must be approved by the Merchant you purchased from, and once approved, will be reflected automatically on your installment plan.  We appreciate your understanding of this process. For any other questions navigate to the Shopper Portal consumer.splitit.com/active (https://consumer.splitit.com/active) and engage with our 24/7 chat team. We are happy to help!

C
CD · 2 reviews · Verified · Experienced 2026-07-16 ·

Even though I chose the 6 months…

Even though I chose the 6 months option, you have still debited the whole purchase, and now You pay the installments in 6 months to the vendor. So you took all the money from me and pay to the vendor in instalments.

Reply from Splitit2026-07-27

Hi there, Thank you for the opportunity to clarify how Splitit installment plans work. After checkout, you will see two transactions on your credit card: 1. One is a temporary authorization (hold); this is not a charge and you do not pay this amount.  1. It is simply a pre-authorization, which is standard for many other types of purchases on your credit card (think hotels, gasoline, etc.).  2. The other is the first installment charge. 1. Each month after, your installment payment is automatically charged until your plan is complete.  Splitit installment plans work using your available credit card balance. That is why the temporary hold on your credit is necessary.  For any other questions navigate to the Shopper Portal consumer.splitit.com/active (https://consumer.splitit.com/active) and engage with our 24/7 chat team. We are happy to help!

K
Kristina Šimunić · 1 review · Verified · Experienced 2026-07-10 ·

Everything was easy and quick

M
Matthias · 2 reviews · Verified · Experienced 2026-07-16 ·

Very good service

A
Agapito Diaz · 3 reviews · Verified · Experienced 2026-07-10 ·

Get a phone number and people that we…

Get a phone number and people that we can talk in person

Reply from Splitit2026-07-28

Hi Agapito, Thank you for sharing your experience; all feedback is appreciated as it helps us better serve customers like you. Splitit is a technology company that partners with Merchants to offer additional payment options at checkout.  As we are not the Merchant where you made your purchase, we only have limited details of your purchase. For any product, delivery, return, or refund issues, please partner directly with the Merchant for assistance.  Feel free to engage with our 24/7 chat team, accessed here https://consumer.splitit.com/active, for any further questions regarding Splitit.

M
Matt C · 10 reviews · Verified · Experienced 2026-07-16 ·

Very good service

Very good service. Would definitely use again.

S
Snježana Krstinić · 1 review · Verified · Experienced 2026-07-12 ·

Easy way to pay

M
Maria · 3 reviews · Verified · Experienced 2026-07-16 ·

Great pay by installments option at no extra cost!

It has always been great to be able to choose to pay by installments, and choose the length of the installments at not extracost. Everytime they will let you know that they are charging you and how much you have left to pay.