SplitPay gives you the freedom to Buy Now and Pay Later.

• When you select SplitPay as your payment option at checkout, the merchant will process your order just like you paid in full.

• You receive your goods straight away.

• SplitPay will automatically deduct the remaining monthly instalments from the credit or debit card you nominate.

• No interest or processing fees are charged to you – as long as you pay everything on time, you only pay for what you ordered!

It’s as easy as that!

For a list of online stores, visit our Shopping Directory. Check regularly as we add new Splitpay partners all the time.

Currently SplitPay can only be used for purchases made on UK websites and delivered to a UK address. However we will be expanding into Europe in the near future, so be sure to regularly visit our website for the latest news.

We offer payment plans allowing customers to pay for purchases via instalments. All you need to do is choose SplitPay as your payment method at checkout. First-time customers login in to SplitPay and get instant approval. Returning customers login to make their purchase.

After you check out, the goods will be shipped to you by the merchant. We automatically deduct the instalments from your nominated debit or credit card in three (3) equal instalments, one at time of purchase, the 2nd at 30 days (1 month) and the 3rd at 60 days (2 months).

SplitPay is available to customers who are 18 years or older and have a:

• UK phone number
  
• UK delivery address
  
• UK issued debit or credit card
  
• Valid email address.
  

We apologise if you do not meet these criteria.

Most customers sign up to SplitPay as they check out at a merchant’s store. You can also sign up directly through the SplitPay website https://www.splitpay.com.

To sign-up only takes a couple of minutes. You must have a mobile phone or email account handy to validate your SplitPay account and will need your nominated debit or credit card details to link your nominated payment method to SplitPay.

Alternatively, to get signed up click HERE.

You’re not on the SplitPay App yet? It’s available on all devices and it’s free.

Download Android App or iOS App.

With the Splitpay App you can:

• Totally manage your payments
  
• Update card info
  
• Check your order history
  
• Get info when you need a little help
  

And remember, if your phone has it, super safe Fingerprint sign in makes your SplitPay App easy to use.

We collect your first payment when you place an order with one of merchants. You’re always notified of the amount upfront.

The remaining instalments will be spread over your payment plan. To view your payment plan login to the SplitPay App, which you can download Android App or iOS App.

We complete our own “soft check,” which means we take a look at your past transactions with us, potentially look at your credit references (this doesn’t have an impact to your credit score) and look at other media to ascertain an internally generated credit score. We also use this information to help verify your identity, minimize fraud risk, and approve you for SplitPay.

It’s quick, easy and hassle free.

• Select SplitPay at checkout.
  
• Login to your account. Or, create an account and add your payment method.
  
• Keep your phone nearby! We’ll send a one-time password to your mobile phone to help you check out securely.
  
• Once approved, you’ll see a breakdown of your order, including how much is due upfront and how much is due with each instalment.
  
• Complete the rest of the checkout process as normal. You’ll receive a notification from SplitPay confirming your order.
  

If you have questions about your order, or you want to check on payment amounts and due dates, simply login to the SplitPay App.

We try to offer all customers the ability to use SplitPay, but unfortunately, we’re not always able to approve every order.

Our system assesses every order individually. If you’re not approved for any reason, we’ll notify you right away including the reason you weren’t approved. If you don’t think the reason is valid, please get in touch with us at [email protected].

Also, keep in mind: Just because you’re not approved today, doesn’t mean you won’t be tomorrow. Every order is unique – so keep using SplitPay.

Some of the reasons why you may not have been approved:

• The amount you are trying to order with SplitPay is in excess of your “spending limit”. SplitPay assigns a Spending Limit to each customer, this is the most money SplitPay will advance to the customer at any point in time. If your order value is greater than your spending limit the order will be declined.
  
• If you have insufficient available funds in your debit or credit card account nominated to SplitPay to make the 1st instalment payment at point of sale, your order will be declined.
  
• Outstanding balance(s). Any outstanding amounts previously advanced to you from SplitPay and as yet not repaid to us are included in your spending limit. Paying instalments early on prior orders with SplitPay can result in your current order being approved if the total amount advanced to you becomes less than your spending limit.
  
• Order value. Reducing the total cost of your order, by breaking it up into smaller transactions, can improve your chances of getting approved.
  
• Your debit or credit card might be expiring soon. SplitPay required your nominated card to be valid for the entire payment plan. If your card expires before the 2nd or 3rd instalments are due SplitPay will not approve your order. Adding another debit or credit card to your SplitPay account with a longer expiry date will help get you approved.
  
• The merchant with whom you are ordering might have policies or rules that limit your access to SplitPay, such as, a minimum or maximum spend to use SplitPay.

We value our customers. Keeping your personal data safe and secure is our top priority. We do this by:

• Employing industry-standard and bank-level SSL encryption, as well as a world-class cyber security to protect your data
  
• Using 2-factor authentication on all purchases
  
• Strict enforcement of our Privacy Policy, which can be accessed HERE.

For help, contact our support team on [email protected] anytime.
We are confident we can solve most issues via email. Please provide us with the following details so we can start resolving the matter for you.

Your email address
Your Name (First and Last) as registered on SplitPay
Date of Birth
Registered Mobile #

Then tell us how we can help you feel free to provide us with as much information as possible.

Yes! SplitPay is free. We don’t charge any interest.
If you meet all your instalment payments to us on time (or earlier) you only pay the purchase price of your order.

We aim to provide you with the highest possible standard of service. Sometimes things can go wrong and if this is the case, we’ll do our best to find a quick and fair solution to solve your issue.
If you have an issue with a specific purchase, we recommend that you always contact the merchant first. This is often the faster and easier way to resolve the issue.

Our merchant partners are usually able to solve issues listed below quickly and stress free.

• Your order isn’t delivered,

• The product you have received is faulty

• An order is made without your authorisation, or

• The merchant where you placed the order is unresponsive, unable to cancel the order or unable to process your refund,

If you attempted to contact the merchant and were unable to resolve it directly with them, Then be assured that we are here to help resolve the matter. So, don’t worry.

Contact us [email protected] and provide us with the following details:

Your email address
Your Name (First and Last) as registered on SplitPay
Date of Birth
Registered Mobile #

You automatically get registered the first time you use SplitPay.

You will then need to create a password in order to start using SplitPay.

Your password and either your mobile phone number or email address are what you need to enter to login to SplitPay.

If you are using a mobile device and are having issues logging in, try the following

• Make sure that you have a strong and stable internet connection (WIFI or mobile)
  
• Update your device with the most recent version of the OS and browser
  
• Close any existing browsers and restart
  
• If you have multiple tabs open, close them all and restart
  

Do not use Private Browsing mode IMPORTANT: Please ensure that you are using the correct email address to log in to SplitPay (i.e. the email address that you provided us when making your first purchase).

If you are still having trouble logging in, please email us at [email protected].

We try to approve as many customers as possible, but unfortunately, we’re not always able to approve every order. Our system assesses every order individually, taking into account all available information. If you’re not approved for any reason, we’ll notify you right away with the reason why.
Some of the reasons why you may be declined:

• The amount you are trying to order with SplitPay is in excess of your “spending limit”. SplitPay assigns a Spending Limit to each customer, this is the most money SplitPay will advance to the customer at any point in time. If your order value is greater than your spending limit the order will be declined.
• If you have insufficient available funds in your debit or credit card account nominated to SplitPay to make the 1st instalment payment at point of sale, your order will be declined.
• Outstanding balance(s). Any outstanding amounts previously advanced to you from SplitPay and as yet not repaid to us are included in your spending limit. Paying instalments early on prior orders with SplitPay can result in your current order being approved if the total amount advanced to you becomes less than your spending limit.
• Order value. Reducing the total cost of your order, by breaking it up into smaller transactions, can improve your chances of getting approved.
• Your debit or credit card might be expiring soon. SplitPay required your nominated card to be valid for the entire payment plan. If your card expires before the 2nd or 3rd instalments are due SplitPay will not approve your order. Adding another debit or credit card to your SplitPay account with a longer expiry date will help get you approved.
• The merchant with whom you are ordering might have policies or rules that limit your access to SplitPay, such as, a minimum or maximum spend to use SplitPay.
• It might also be we don’t offer SplitPay in your suburb or area. Sorry in advance if that is the case.
• But if you feel the reasons above don’t apply to you, please don’t hesitate to contact us at [email protected] and we will respond to you as soon as we can.

On mobile app, enter your registered mobile or email and continue to password input page.

• At this step, click “Forgot password” this will enable you to recover your details.
  
• Once confirmed, a verification code will be sent to your registered mobile or email.
  
• Use that code to reset your password.

We don’t allow SplitPay users to change their phone number or email manually.

If you wish to change those details, click HERE.

New phone number? No problem!

Your phone number is essential for us to identify you, so we need to do some additional verification in order to get it updated. Please do not register a new phone number, as it will not include your prior information and past transactions with us and current spending limit.

Instead, please send us an email at [email protected].

Here are a few reasons you may have been suspended

• Overdue amounts owing to SplitPay. You might owe us unpaid amounts from prior orders. If you owe us any amounts that are overdue it is likely you will be unable to use the SplitPay service until they are paid in full.
  
• Your debit or credit card might be expiring soon, by adding another debit or credit card with a longer expiry date to your SplitPay details can resolve your suspension.

We aim to provide you with the highest possible standard of service. However sometimes things can go wrong and if this is the case the quickest way to resolve the issue to ensure you contact.

• SplitPay with queries relating to:

  Your SplitPay Login or Registration
  Payments
  Send us an email on [email protected].

• Merchant with queries relating to:

  Delivery
  Returns
  Refunds
  Cancellations

We don’t like charging late fees.

SplitPay automatically debits your instalments from your nominated debit or credit card as per your payment plan. We send you a notification prior to the instalment being deducted so you can make sure that there are sufficient funds in your account. If an instalment fails, we generally try and re-debit your account after 2 days. Obviously, we notify you we are going to do this. And it costs you nothing.

But as outlined in SplitPay’s Terms of Service we can and do charge a late fee to cover our extra administration costs resulting from instalments being missed. You can review SplitPay’s Terms of Service HERE.

Also if you would like to discuss your instalment schedule, late fees, or anything else with us, please send us an email at [email protected].

We do not have any influence over the delivery of your goods as this process is controlled by the merchant. At first instance, please contact the merchant where you purchased your goods.
If you are still unable to resolve the issue, please email us at [email protected].

We’re sorry to see you leave SplitPay and hope you’ll reconsider!
It’s completely free to register and stay as a user of SplitPay.

Please be aware that before you can close stop using SplitPay all outstanding orders must be complete with no outstanding amounts owing to us.

To request your SplitPay registration to end, please contact us at [email protected] with the following details:

Your full name
DOB
Residential address
Your SplitPay email address you used to sign up

If you haven’t received your SMS code yet, firstly be aware it can take 1-2 minutes for the code to come through, so sit tight.
If you have reception and are receiving other messages, then ensure that:

• Your phone number with SplitPay is your own number and up to date. (This is generally the mobile phone number you used to sign-up to SplitPay.)
  
• If you still haven’t received your code in this time, please contact [email protected] and we’ll get straight on to it.

SplitPay automatically debits your linked credit or debit card on the instalment date. So you don’t need to do anything.

We send you the schedule of instalment in a confirmation email when you submit an order.

We also send you a reminder notification 48 hours before an instalment is due.

You can also view your instalment due dates by logging in to the SplitPay App. If you haven’t already done so, you can download the SplitPay App here. Download Android App or iOS App.

You can always pay your instalments early.

You pay your first instalment at the time of purchase.

SplitPay accepts payments from United Kingdom issued credit and debit cards.

If you would like to change your payment method, please follow these steps:

• Login to the SplitPay App
  
• Select “user” from bottom navigation
  
• Select “user profile”
  
• Select “Add cards” by clicking the + button
  
• Enter card details
  
• Then press save

If you would like to pay an instalment early, please follow these steps:

• Login to SplitPay
  
• From the payment schedule/ amount due screen
  
• Go to the instalment that you would like to pay early and select “Pay Now”
  
• Select the instalment you want to pay e.g. 1st payment 2nd payment. Your selection will be confirmed with a blue tick
  
• Then press continue
  
• Once you verify the payment, you’ll be asked to confirm
  

You will receive confirmation that your payment has been successfully processed. You’ll also get an email confirming your payment.

Make sure you call your credit card issuer immediately to report the loss or theft of your missing card.

You must update your SplitPay account before your next scheduled instalment.

To do this:

• Login to SplitPay
  
• Select “user” from bottom navigation
  
• Select “user profile”
  
• Select “Add cards” by clicking the + button
  
• Enter card details
  
• Then press save
  

If you have any difficulties, please email us at [email protected]

SplitPay currently accepts instalment payments from debit and credit cards, including Mastercard Debit, Mastercard Credit, Visa Debit and Visa Credit cards.

Unfortunately, we do not accept, PayPal, foreign debit/credit cards, Cheques or direct transfers.

If you’d like to obtain a refund on a SplitPay order, you’ll need to contact the merchant directly and follow their normal refunds process.

If you return goods to a merchant and they agree to a refund, your SplitPay balance currently owing will be credited by the refund amount. If the refund amount is greater than the balance currently owing, the excess refund amount will be paid back to the nominated card linked to SplitPay. You can view the refund details by logging into SplitPay. (Note: typically, refunds are paid back to your SplitPay linked account (at time of purchase) within 3 business days, though it can take up to 10.

Things to remember

• We always recommend looking at the merchant’s refund policy on their website, as some merchants do not refund shipping costs or only issue store credit.
  
• The merchant needs to advise us of the refund, SplitPay then process the refund immediately and will send you an email to confirm that the refund has been applied.
  
• We always refund to the credit/debit card that you used to place the order.
  
• Please note, the merchant must accept the returns or you will be liable for the purchase.
  
• If the refund amount puts your SplitPay order into credit we will automatically refund the difference to you.
  
• When a refund is applied to your SplitPay linked account, the refund amount will be net of any fees you may have been charged while paying off your purchase (e.g. late payment fees).

If you’d like to obtain a refund on a SplitPay purchase, you’ll need to contact the merchant directly and follow their normal refunds process.

The Merchant will notify SplitPay and we will refund to you.

Please note that refund amounts are taken off the last payment/s first. If at least one payment has been made in relation to this purchase, and the refunded amount is greater than the amount outstanding, the difference between these amounts will be refunded to the credit/debit card that you used to place the order.

Typically refunds take between 3 -10 days to post back to your card.

For example, let’s say you made a £400 purchase using SplitPay (i.e. 4 instalments of £100 each) and wish to return items worth £250. Once we are notified by the merchant that the return has been approved, we will cancel your 3rd and 4th instalments of £100 and amend your 2nd instalment to £50. Your new payment schedule would become 2 payments (instead of 4) of £100 & £50. If you had already made 2 payments of £100 each, a refund of £50 would be applied to your card and the remaining 2 payments would be cancelled.

You can log in to SplitPay at any time to view your updated instalment schedule.

Please note, you will be liable for all payment amounts until SplitPay receives confirmation from the merchant that a return has been accepted.

Once SplitPay is notified of a return from the merchant we will adjust your payment schedule immediately.

Unfortunately, sometimes there is a delay until we are notified by the merchant that the refund has been accepted and receive confirmation from the merchant how much to refund.

We work closely with all of our merchant partners to ensure that this happens as quickly as possible. And we immediately stop any instalments being debited from your linked account once notified.

We always recommend checking the SplitPay App to verify the refund amount.
If you feel like the amount refunded isn’t correct, please speak to the merchant directly. The merchant will be able to explain why the refund amount.If the amount refunded is correct, but it hasn’t been posted correctly to your original payment method, please double-check the methods used for each instalment. Often, one instalment will be paid on one card, but the rest of the instalments may have been paid by a different card – so the refund will be broken up across two payment methods.

We always recommend checking the SplitPay App to review your original order. If you don’t see any refunds in the SplitPay App, please contact to the merchant directly to check they have received your goods.

If you can’t resolve the issue with the merchant, please contact us on [email protected].