Why is my Splitit payment not going through?

Your Splitit payment may fail for five common reasons: using a debit card, insufficient credit limit, mismatched billing address, a bank block, or a Splitit third-party fraud decline. Review the list below to identify and resolve your specific issue before attempting another purchase.

- Debit or prepaid card used: Splitit only works with credit cards. Switch to a valid credit card to complete your purchase.
- Insufficient credit limit: Splitit places a temporary hold on your card for the full purchase amount at the time of checkout, even though you pay in installments. If your available credit is lower than the total order amount, the transaction will be declined.
- Billing information mismatch: If the address you enter does not match the billing address your card issuer has on file, the payment will be declined. Verify your billing address before submitting your order.
- Bank-blocked transaction: Banks sometimes block large or unfamiliar transactions as a precaution. To resolve this, retry the purchase, use a different card, or contact your bank directly to authorize the transaction.
- Splitit third-party decline: Splitit uses a third-party fraud protection system. If your transaction is flagged, it will be declined automatically. Try again with a different payment method or attempt the payment with a lower initial amount.

Your card does not have a sufficient credit limit: Though you pay in installments, at the time of purchase Splitit places a temporary hold on your card for the full amount. If your credit limit is lower than the total purchase amount then you will not be able to use Splitit.

The billing info does not match: if your address does not match the billing address that the credit card company has on file, the payment will not go through. Double check this information prior to purchase.

Your bank blocked the transaction: sometimes banks block large unfamiliar transactions. You can try to make the purchase again, try a different card, or reach out to your bank directly to resolve this issue.

Splitit third party decline: Splitit has a third party fraud protection system. If your transaction is flagged by this system, then the transaction will not go through. You can try the payment again with another payment method, or try the payment with a lower initial amount.

If none of the above resolves your issue, contact Splitit’s customer support directly: Splitit Support