# Splitit

**Canonical:** https://apis.io/providers/splitit/  
**Website:** https://developers.splitit.com/  
**APIs profiled:** 10

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.

## Kin Score — 57.5 / 100 (strong)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 57.5).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 65.6 |
| Governance | 9.8 |
| Contract Governance | 9.8 |
| Operational Transparency | 39.5 |
| Developer Ergonomics | 64.3 |
| Commercial Clarity | 71.1 |
| Access Clarity | 71.1 |

Regulatory layer — **Payments**: 34.4 (matched via tags).

## Agent readiness — 28.3 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | partial |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high).

## APIs (10)

- **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

## Agentic access (1)

- **Splitit Agentic Access** — 18 operations · 13 acting

## Security (2)

- **Splitit Authentication** — http · 1 scheme
- **Splitit Domain Security** — TLSv1.3 · DMARC

## Plans (1)

- **Plans**

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/splitit/). Scores are computed from the provider's own public artifacts under a published rubric.