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 4 APIs on the APIs.io network, including Authentication API, Eligibility API, Installment Plans API, and 1 more. Tagged areas include Payments, Installments, Buy Now Pay Later, Credit Card, and Fintech.

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

Splitit’s developer surface includes authentication, developer portal, signup flow, documentation, getting-started guide, pricing, and 18 more developer resources.

🌐 Visit website 📡 Source on GitHub

57.5/100 strong ▬ flat Agent 28/100 agent aware Full breakdown ↓
scored 2026-08-25 · rubric v0.14.0

AccessPaidSelf serve

10 APIs

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

Kin Score

Kin Score How this is scored →
scored 2026-08-25 · rubric v0.14.0

Composite quality — 57.5/100 · strong

Contract Quality 13.9 / 21

Developer Ergonomics 10.9 / 17

Access Clarity 12.1 / 17

Operational Transparency 4.4 / 11

Contract Governance 1.0 / 10

Discoverability 6.3 / 9

Regulatory Posture 5.2 / 15

Agent readiness — 28/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 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 Surface 0 / 5

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.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/splitit: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 10

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

Rate Limits 1

Documented rate limits and quota policies.

Rate Limits

4 limits

RATE LIMITS

FinOps 1

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

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.

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

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.
specificationVersion: '0.23'
accessModel:
  pricing: paid
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Paid · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  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: '2026-06-13'
tags:
- Payments
- Installments
- Buy Now Pay Later
- Credit Card
- 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 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
  - 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 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:
- 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
maintainers:
- FN: API Evangelist
  url: https://apievangelist.com
  email: info@apievangelist.com

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