SHOPLINE Taps Splitit for Card-Linked Installments

As autonomous AI agents begin searching, comparing products and making purchases for consumers, machine-compatible payments are emerging as a critical piece of agentic commerce. Splitit Chief Executive Nandan Sheth said conventional buy now, pay later, or BNPL, can become a bottleneck because its application and identity-verification steps often require direct human involvement, increasing the risk that an automated checkout will fail.

Sheth said card-linked installment payments could address that problem by using a shopper’s existing credit card and available credit instead of requiring a separate loan application during checkout. The approach could help merchants prepare payment systems for purchases initiated by AI agents and reduce lost sales from failed transactions. The report did not disclose a rollout date, transaction value, financial forecast or new commercial partnership tied to the technology.

ThriveCart is a sales and payments platform for digital creators and online merchants. High-ticket courses and coaching services often cost $5,000–$50,000, while traditional BNPL providers typically approve only about $2,000. The new service taps consumers’ existing credit card limits and pays merchants upfront, targeting roughly $3.3 trillion in unused U.S. credit to lower checkout barriers and increase average order values.

The Fintech Times reported on March 25, 2026, that ThriveCart had launched ThrivePay Installments, allowing customers to pay over 3, 6 or 12 months while the full amount is preauthorized on their credit card on the first day. The company says the approval rate is about 85%, compared with 42% for traditional BNPL. It offers financing of up to $65,000 per transaction, has increased average order values by 3.1 times and is available in more than 30 countries, though merchants pay a 15% fee on each transaction.

Splitit is a payments technology company that offers installments against customers' existing credit card limits. Unlike traditional BNPL products that require a separate loan application, it does not require consumers to open a new account or undergo another credit check. Splitit Go targets more than $4.6 trillion in annual U.S. spending on services, extending installment payments beyond e-commerce checkout pages to stores, home services and face-to-face consultations.

Splitit USA, Inc. launched Splitit Go on March 23, 2026. Merchants can create installment plans on a mobile device and deliver payment links by QR code, text message or email. Customers pay directly with the available credit on their existing cards without being redirected to a third-party platform. Splitit says its approval rate exceeds 85% and that merchants using its service can increase their average order value by 23%.