How Splitit Integrates with Merchants via Samsung Wallet BNPL1. Splitit’s Core Model – No Merchant Change NeededSplitit’s magic lies in not requiring merchants to do anything new on their end to accept installment payments. That’s because:Splitit uses the customer's existing credit card (Visa/Mastercard).The full purchase amount is authorized at the time of sale.The customer pays in installments, but the merchant gets paid upfront, just like a normal card transaction.The installments are handled in the background between Splitit and the customer.2. Samsung Wallet Integration – Overlay on Existing PaymentsSamsung Wallet acts as the consumer-facing platform, allowing users to choose "Pay with Splitit" at checkout.If the merchant already accepts standard credit card payments, they're automatically compatible.Samsung Wallet handles the UX layer — the customer chooses the installment option and authorizes it through their saved card.There’s no need for merchants to sign up to a new BNPL provider, add APIs, or change checkout processes.3. For Merchants – It's SeamlessFrom a merchant’s perspective:They process a regular credit card transaction.There's no new payment method to add.No risk of non-payment — Splitit ensures they get paid in full.No new tech integrations, unlike Afterpay, Klarna, or Affirm.This makes it especially attractive for larger merchants who don't want to mess with complex BNPL integrations but still want to offer installment payments to consumers. Why This MattersSamsung gets BNPL without building a full financing platform.Splitit gains massive distribution and visibility.Merchants stay happy because it works with their existing setup.Customers get flexible payments using their own credit — no credit checks or new accounts.If you're thinking about this from a business or investment angle, Splitit is quietly positioning itself as the “BNPL-as-a-service” layer that integrates with existing rails — a different path from debt-heavy players like Affirm or Afterpay.
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