SHOPLINE Partners With Splitit to Bring Card-Linked Installments to 700,000+ Merchants

SHOPLINE has selected Splitit as its card-linked installment partner, bringing pay-over-time capabilities directly into one of the world’s major commerce platforms and giving hundreds of thousands of merchants a new way to support higher-value purchases.

The partnership, announced September 2, will embed Splitit’s installment technology into the SHOPLINE platform. Merchants will be able to activate the service through a plug-in, while shoppers can split eligible purchases using available credit on their existing payment cards.

SHOPLINE serves more than 700,000 merchants across Asia-Pacific, Europe, North America, and the Middle East. Its platform covers e-commerce, social commerce, point-of-sale, customer engagement, live commerce, and cross-border selling.

The deal gives Splitit a much broader distribution channel while adding another payment option for SHOPLINE merchants looking to improve checkout conversion and average order value.

Card-Linked Installments Move Into the Commerce Platform

The key difference is where the installment experience sits.

Instead of sending shoppers to a separate financing application, Splitit’s technology will be embedded into the SHOPLINE checkout experience.

Customers can use the credit already available on their existing cards to pay for purchases over time.

That means there is no separate loan application or new credit account involved in the Splitit model. The experience is designed to keep the merchant’s brand and checkout journey at the center of the transaction.

For merchants, that could make installment payments easier to introduce without building a separate financing integration.

Why the Partnership Matters for Global Merchants

Cross-border e-commerce has made payment flexibility increasingly important.

A retailer selling internationally cannot always assume that customers in every market prefer the same payment method. Installments can become particularly useful for higher-value purchases, where paying the entire amount upfront may create friction.

SHOPLINE already provides merchants with tools for selling across borders.

Adding card-linked installments gives those merchants another way to address that friction.

The companies specifically point to growing demand from brands expanding from Asia and Europe into markets such as the United States.

For SHOPLINE, the partnership therefore adds more than another checkout feature.

It strengthens the platform’s broader payments proposition.

Splitit Takes an Embedded Payments Approach

For Splitit, the deal is equally strategic.

Rather than acquiring merchants individually, the company can distribute its installment technology through a large commerce platform.

That is an important shift in fintech distribution.

One platform integration can potentially put a payment capability in front of hundreds of thousands of merchants.

Splitit says this embedded approach is part of its wider strategy of working with commerce platforms, marketplaces, and payment ecosystems.

The company already positions its technology as an embedded, white-label installment solution that uses existing card infrastructure.

John Beisner, Head of Acceptance Partnerships at Splitit, described commerce platforms as a major distribution channel for ecommerce innovation.

Kimi Gong, General Manager of Payment at SHOPLINE, said the partnership will give merchants another tool to improve sales conversion and the shopping experience.

Existing Credit Instead of a New Loan

The Splitit model also reflects a broader evolution in the pay-later market.

Traditional BNPL products often involve a new financing application at checkout.

Card-linked installments take a different route.

With Splitit, consumers use an existing credit card and available credit to divide the purchase into installments. Splitit says its model avoids a new loan application and keeps the experience within the merchant checkout.

That can be particularly relevant for consumers who already have established credit relationships and want payment flexibility without opening another financing account.

Splitit also says its platform is used in more than 100 countries and supports embedded installment experiences, including through Samsung Wallet.

What It Means for Checkout Conversion

For merchants, the commercial argument is straightforward.

A customer may want a product but hesitate when faced with a large upfront payment.

Installments can reduce that immediate payment barrier.

SHOPLINE and Splitit expect the integration to help merchants improve:

• Checkout conversion
• Average order value
• Customer lifetime value
• Payment flexibility
• Cross-border sales

The companies have not disclosed specific performance targets for the partnership. However, Splitit says its broader platform is designed to support higher conversion and order values through embedded installments.

That distinction matters: the partnership creates the capability, but individual merchant results will depend on product category, customer base, market, and checkout design.

The Bigger Payments Trend

The SHOPLINE-Splitit partnership reflects a broader change in e-commerce payments.

Payment technology is increasingly becoming infrastructure rather than a standalone destination.

Merchants do not necessarily want to manage multiple disconnected payment integrations.

They want capabilities that can be switched on inside the commerce platforms they already use.

That is why embedded payments have become such an important distribution strategy.

SHOPLINE gets another payment capability without forcing merchants to build it themselves.

Splitit gets access to a much larger merchant ecosystem.

And shoppers get a pay-over-time option without leaving the checkout flow.

That is a fairly simple proposition, but it can have a meaningful impact at scale.

A Strategic Win for Both Companies

The partnership gives SHOPLINE a stronger installment offering while giving Splitit access to more than 700,000 merchants through a single commerce ecosystem.

For SHOPLINE, the opportunity is to help merchants convert more high-value purchases and sell across markets with greater payment flexibility.

For Splitit, the opportunity is distribution.

The company is effectively putting its installment infrastructure closer to where merchants already build their businesses.

And that may be the more important story.

The future of ecommerce payments may not be about adding more checkout buttons. It may be about making payment capabilities part of the commerce infrastructure itself.

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