Splitit

Splitit is a credit card installment platform that enables merchants to offer shoppers the ability to split existing credit card purchases into monthly installments without requiring new credit applications, additional interest charges, or third-party redirects. The platform operates directly on shoppers' existing credit cards, leveraging available credit to create installment plans while merchants receive full payment upfront. Splitit provides REST APIs for installment plan creation, eligibility checking, refunds, chargebacks, and merchant onboarding, along with plugins for major e-commerce platforms.

Splitit publishes 10 API contracts indexed on the APIs.io network, including Authentication API, Eligibility API, Installment Plans API, and 7 more. Tagged areas include Payments, Installments, Buy Now Pay Later, Credit Cards, and Fintech.

The Splitit catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Splitit’s developer surface includes engineering blog, authentication, developer portal, signup flow, documentation, getting-started guide, pricing, and 21 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

46.8/100 developing ▬ flat Agent 38/100 agent ready Front door AI 1/6 silent Heartbeat 99/100 alive saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

AccessPaid

2 published contracts 1 MCP Servers

Payments Installments Buy Now Pay Later Credit Cards Fintech E-Commerce

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 46.8/100 · developing

Contract Quality 11.1 / 19

Developer Ergonomics 9.5 / 15

Access Clarity 8.3 / 15

Operational Transparency 1.4 / 10

Contract Governance 0.9 / 9

Discoverability 5.1 / 8

Regulatory Posture 2.1 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 38/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document Ask about this →
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented) Ask about this →
Agent Skills +5 pts — skills artifact present, graded by who authored it Ask about this →

5 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Operational Transparency scores 14.3 — up to +11.1 composite points Ask about this →
Contract Governance scores 9.8 — up to +10.8 composite points Ask about this →
Contract Quality scores 59.0 — up to +10.3 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/splitit/apis.yml: open an issue on github.com/api-evangelist/splitit to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	mixed	46.0	-	-
E-commerce Extension Marketplaces (Adobe Commerce / Magento, Shopware)	mixed	46.0	-	-
Canada RPAA Payment Service Providers (Bank of Canada registry + Payments Canada)	mixed	46.0	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (verified)

OpenAPI

measured — observed by APIs.io (published)

APIs 10

Individual APIs this provider publishes, each with its own machine-readable definition.

Splitit Installments API v4

The updated version of the Splitit Installments API offering enhanced capabilities for creating and managing credit card installment plans with improvements over the v3 API.

Splitit Account Management System API

API for onboarding and managing sub-merchants on the Splitit platform. Enables payment facilitators and marketplace operators to add merchant partners, upload compliance documen...

Splitit Merchant Reports API

API for retrieving merchant-level reporting data including transaction history, installment plan summaries, funding reports, and reconciliation data for merchants operating on t...

Splitit Key Exchange Server API

API for creating and managing encryption keys used to secure payment data during Splitit integrations. Supports cryptographic key management for secure card data handling in com...

Splitit Chargebacks API

API for handling and managing chargebacks on Splitit installment plans. Enables merchants to respond to, track, and resolve chargeback disputes for installment transactions proc...

Splitit Text-to-Pay API

API enabling merchants to initiate Splitit installment payment flows via SMS, email, and QR codes as part of the Splitit Go product. Allows sending payment links to shoppers thr...

Splitit Authentication API

Obtain access tokens

Splitit Eligibility API

Check shopper eligibility for installment plans

Splitit Installment Plans API

Create, initiate, fetch, update, refund, and cancel installment plans

Splitit Merchant Management API

Onboard and manage merchant partners

Scroll for all 10

Postman Collections 4

Ready-to-run Postman collections for exercising this provider's APIs.

Splitit Account Management System Authentication API

POSTMAN

Splitit Account Management System Authentication Eligibility API

POSTMAN

Splitit Account Management System Authentication Installment Plans API

POSTMAN

Splitit Account Management System Authentication Merchant Management API

POSTMAN

Open Collections 4

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Splitit Account Management System Authentication API

OPEN COLLECTION

Splitit Account Management System Authentication Eligibility API

OPEN COLLECTION

Splitit Account Management System Authentication Installment Plans API

OPEN COLLECTION

Splitit Account Management System Authentication Merchant Management API

OPEN COLLECTION

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Splitit MCP Server

Remote MCP server at mcp.splitit.com over HTTP.

MCP SERVER

Splitit API pricing

Prices published by Splitit, read 2026-10-28 from www.splitit.com/business/pricing-plans/.

Plan	Price
Essential Plan	Get a quote Includes: 0-35.99% Consumer APR; merchant receives full upfront funding; US only payment acceptance; $10,000 d
Flex Plan	Get a quote Includes: 0-35.99% Consumer APR; full upfront funding; US only payment acceptance; $10,000 default max. order;
Premium Plan	Get a quote Includes: 0% Consumer APR; full upfront funding; Global payment acceptance; $10,000 default max. order; 12 ins
Premium Lite Plan	Get a quote Includes: 0% Consumer APR; partial upfront funding; Global payment acceptance; $10,000 default max. order; 12

Plan details, limits and sources →

Rate limits

: not_published
: not_published
: 24 retries over 24 hours

Compiled by API Evangelist, not yet checked against Splitit's documentation. All 4 limits →

Pricing Plans 1

Published pricing tiers and plan structures.

Plans

4 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Rate Limits

4 limits

RATE LIMITS

Compliance 1

Attestations the provider states (SOC 2, ISO 27001 and others), quoted from its own trust page. APIs.io verifies none of them.

Splitit

2 quoted statements, read from Splitit's own page on 2026-11-10.

COMPLIANCE

FinOps 1

Cost, billing, and metering signals for API financial operations.

Finops

FINOPS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Splitit Context

33 classes · 20 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs. Counts are the severity each rule declares, not results of running them.

Splitit — jsonschema rules

6 rules · 4 warn-severity 2 info-severity

SPECTRAL

JSON Schema 1

Standalone JSON Schema definitions for this provider's data models.

Splitit Installment Plan

9 properties

JSON SCHEMA

Examples 4

Example request and response payloads for these APIs.

Check Eligibility

7 fields

EXAMPLE

Create Installment Plan

7 fields

EXAMPLE

Initiate Installment Plan

7 fields

EXAMPLE

Refund Plan

7 fields

EXAMPLE

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Splitit Authentication

http · 1 scheme

SECURITY

Splitit Domain Security

TLSv1.3 · DMARC

SECURITY

Agentic Access (API Evangelist recommendations) 1

Recommended x-agentic-access execution contracts for AI agents.

Splitit Agentic Access

17 operations · 11 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

Portal

Signup

GettingStarted

Merchant Portal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Webhooks

Webhooks

Build 9

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

SDKs

Python SDK

TypeScript SDK

Go SDK

Java SDK

DotNet SDK

PHP SDK

Plugins

Scroll for all 9

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Trust

Trust

Operate 2

Status, limits, changes, and where to get help

Contact

Contact

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Blog

Blog

BlogRSS

BlogRSS

Website

Website

Other 1

Properties that don't map to a standard resource type

Attestations

Attestations

Source (apis.yml)

name: Splitit
description: Splitit is a credit card installment platform that enables merchants to offer shoppers the ability to split existing
  credit card purchases into monthly installments without requiring new credit applications, additional interest charges,
  or third-party redirects. The platform operates directly on shoppers' existing credit cards, leveraging available credit
  to create installment plans while merchants receive full payment upfront. Splitit provides REST APIs for installment plan
  creation, eligibility checking, refunds, chargebacks, and merchant onboarding, along with plugins for major e-commerce platforms.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
specificationVersion: '0.23'
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-13'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/splitit.png
url: https://raw.githubusercontent.com/api-evangelist/splitit/refs/heads/main/apis.yml
version: '0.19'
created: '2026-06-13'
modified: '2026-10-06'
x-docs-platform: docusaurus
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-04
tags:
- Payments
- Installments
- Buy Now Pay Later
- Credit Cards
- Fintech
- E-Commerce
tags_raw:
- Payments
- Installments
- Buy Now Pay Later
- Credit Card
- Fintech
- E-commerce
apis:
- name: Splitit Installments API v4
  description: The updated version of the Splitit Installments API offering enhanced capabilities for creating and managing
    credit card installment plans with improvements over the v3 API.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developers.splitit.com/apis/
  baseURL: https://webapi.production.splitit.com
  tags:
  - Installments
  - Payments
  - Credit Cards
  tags_raw:
  - Installments
  - Payments
  - Credit Card
  properties:
  - type: Documentation
    url: https://developers.splitit.com/apis/
  contact:
  - FN: Splitit Developer Support
    url: https://developers.splitit.com/
- name: Splitit Account Management System API
  description: API for onboarding and managing sub-merchants on the Splitit platform. Enables payment facilitators and marketplace
    operators to add merchant partners, upload compliance documents, send onboarding invitations, monitor approval status,
    retrieve pending accounts, and generate time-limited secure login links for merchant portal access.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developers.splitit.com/category/account-management-system-api/
  baseURL: https://webapi.production.splitit.com
  tags:
  - Merchant Management
  - Onboarding
  - Account Management
  properties:
  - type: Documentation
    url: https://developers.splitit.com/category/account-management-system-api/
  contact:
  - FN: Splitit Developer Support
    url: https://developers.splitit.com/
- name: Splitit Merchant Reports API
  description: API for retrieving merchant-level reporting data including transaction history, installment plan summaries,
    funding reports, and reconciliation data for merchants operating on the Splitit platform.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developers.splitit.com/apis/
  baseURL: https://webapi.production.splitit.com
  tags:
  - Reporting
  - Merchants
  - Analytics
  tags_raw:
  - Reporting
  - Merchant
  - Analytics
  properties:
  - type: Documentation
    url: https://developers.splitit.com/apis/
  contact:
  - FN: Splitit Developer Support
    url: https://developers.splitit.com/
- name: Splitit Key Exchange Server API
  description: API for creating and managing encryption keys used to secure payment data during Splitit integrations. Supports
    cryptographic key management for secure card data handling in compliance with PCI DSS requirements.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developers.splitit.com/apis/
  baseURL: https://webapi.production.splitit.com
  tags:
  - Security
  - Encryption
  - Keys
  - PCI DSS
  properties:
  - type: Documentation
    url: https://developers.splitit.com/apis/
  contact:
  - FN: Splitit Developer Support
    url: https://developers.splitit.com/
- name: Splitit Chargebacks API
  description: API for handling and managing chargebacks on Splitit installment plans. Enables merchants to respond to, track,
    and resolve chargeback disputes for installment transactions processed through the Splitit platform.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developers.splitit.com/apis/
  baseURL: https://webapi.production.splitit.com
  tags:
  - Chargebacks
  - Disputes
  - Payments
  properties:
  - type: Documentation
    url: https://developers.splitit.com/apis/
  contact:
  - FN: Splitit Developer Support
    url: https://developers.splitit.com/
- name: Splitit Text-to-Pay API
  description: API enabling merchants to initiate Splitit installment payment flows via SMS, email, and QR codes as part of
    the Splitit Go product. Allows sending payment links to shoppers through non-traditional channels for installment plan
    creation without a traditional checkout flow.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developers.splitit.com/apis/
  baseURL: https://webapi.production.splitit.com
  tags:
  - SMS
  - Text-to-Pay
  - QR Codes
  - Payments
  tags_raw:
  - SMS
  - Text-to-Pay
  - QR Code
  - Payments
  properties:
  - type: Documentation
    url: https://developers.splitit.com/apis/
  contact:
  - FN: Splitit Developer Support
    url: https://developers.splitit.com/
- aid: splitit:splitit-authentication-api
  name: Splitit Authentication API
  description: Obtain access tokens
  humanURL: https://developers.splitit.com/category/installments-api-v3/
  baseURL: https://webapi.production.splitit.com
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/splitit-authentication-api-openapi.yml
  - type: Documentation
    url: https://developers.splitit.com/category/installments-api-v3/
  - type: GettingStarted
    url: https://developers.splitit.com/direct-api/quickstart/
  - type: Authentication
    url: https://developers.splitit.com/api/v3/authenticate/
- aid: splitit:splitit-eligibility-api
  name: Splitit Eligibility API
  description: Check shopper eligibility for installment plans
  humanURL: https://developers.splitit.com/category/installments-api-v3/
  baseURL: https://webapi.production.splitit.com
  tags:
  - Eligibility
  properties:
  - type: OpenAPI
    url: openapi/splitit-eligibility-api-openapi.yml
  - type: Documentation
    url: https://developers.splitit.com/category/installments-api-v3/
  - type: GettingStarted
    url: https://developers.splitit.com/direct-api/quickstart/
  - type: Authentication
    url: https://developers.splitit.com/api/v3/authenticate/
- aid: splitit:splitit-installment-plans-api
  name: Splitit Installment Plans API
  description: Create, initiate, fetch, update, refund, and cancel installment plans
  humanURL: https://developers.splitit.com/category/installments-api-v3/
  baseURL: https://webapi.production.splitit.com
  tags:
  - Installment Plans
  properties:
  - type: OpenAPI
    url: openapi/splitit-installment-plans-api-openapi.yml
  - type: Documentation
    url: https://developers.splitit.com/category/installments-api-v3/
  - type: GettingStarted
    url: https://developers.splitit.com/direct-api/quickstart/
  - type: Authentication
    url: https://developers.splitit.com/api/v3/authenticate/
- aid: splitit:splitit-merchant-management-api
  name: Splitit Merchant Management API
  description: Onboard and manage merchant partners
  humanURL: https://developers.splitit.com/category/installments-api-v3/
  baseURL: https://webapi.production.splitit.com
  tags:
  - Merchant Management
  properties:
  - type: OpenAPI
    url: openapi/splitit-merchant-management-api-openapi.yml
  - type: Documentation
    url: https://developers.splitit.com/category/installments-api-v3/
  - type: GettingStarted
    url: https://developers.splitit.com/direct-api/quickstart/
  - type: Authentication
    url: https://developers.splitit.com/api/v3/authenticate/
common:
- url: https://www.splitit.com/blog/
  type: Blog
- url: https://www.splitit.com/feed/
  type: BlogRSS
- type: Website
  url: https://www.splitit.com/
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/splitit/overview
- type: AgenticAccess
  url: agentic-access/splitit-agentic-access.yml
- type: DomainSecurity
  url: security/splitit-domain-security.yml
- type: Authentication
  url: authentication/splitit-authentication.yml
- type: Portal
  url: https://developers.splitit.com/
- type: Signup
  url: https://register-developer.sandbox.splitit.com/
- type: Documentation
  url: https://developers.splitit.com/apis/
- type: GettingStarted
  url: https://developers.splitit.com/direct-api/quickstart/
- type: SDKs
  url: https://github.com/splitit
- type: Python SDK
  url: https://github.com/Splitit/Python-SDK
- type: TypeScript SDK
  url: https://github.com/Splitit/TypeScript-SDK
- type: Go SDK
  url: https://github.com/Splitit/Go-SDK
- type: Java SDK
  url: https://github.com/Splitit/Java-SDK
- type: DotNet SDK
  url: https://github.com/Splitit/.NET-C-SDK
- type: PHP SDK
  url: https://github.com/Splitit/PHP-SDK
- type: Webhooks
  url: https://developers.splitit.com/category/direct-api-implementations/
- type: Plugins
  url: https://developers.splitit.com/
- type: Pricing
  url: https://www.splitit.com/business/pricing-plans/
- type: Trust
  url: https://trust.splitit.com
- type: Contact
  url: https://www.splitit.com/contact-sales/
- type: Merchant Portal
  url: https://merchant.splitit.com
- type: Plans
  url: https://raw.githubusercontent.com/api-evangelist/splitit/refs/heads/main/plans/plans.yml
- type: RateLimits
  url: https://raw.githubusercontent.com/api-evangelist/splitit/refs/heads/main/rate-limits/rate-limits.yml
- type: FinOps
  url: https://raw.githubusercontent.com/api-evangelist/splitit/refs/heads/main/finops/finops.yml
- type: Attestations
  url: compliance/splitit-compliance.yml
maintainers:
- FN: API Evangelist
  url: https://apievangelist.com
  email: info@apievangelist.com

Splitit API — frequently asked questions

Does Splitit have an API?

Yes. APIs.io lists 10 APIs from Splitit, including Splitit Installments API v4, Splitit Account Management System API and Splitit Merchant Reports API, and 7 more.

Is there an OpenAPI specification for the Splitit API?

Yes. APIs.io indexes 4 OpenAPI specifications for Splitit, each linked for download from this page.

How do I authenticate with the Splitit API?

Splitit uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Splitit Authentication.

How much does the Splitit API cost?

Splitit publishes its prices; its Essential Plan plan is Get a quote as of 2026-10-28. APIs.io lists 4 pricing plans for Splitit, with each plan's price, limits and inclusions under Pricing on this page.

Does Splitit have an MCP server?

Yes. APIs.io lists 1 MCP server for Splitit: Remote MCP server at mcp.splitit.com over HTTP.

Is the Splitit API ready for AI agents?

Splitit has a Kin Score of 46.8 out of 100 (developing) and an Agent Readiness score of 37.9 (agent-ready), scored by API Evangelist on 2026-11-13.

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