Splitit for WooCommerce — installments on the buyer’s own card

Installments with Splitit for WooCommerce lets buyers split the order total into monthly payments on the credit card they already have: no new application. At the checkout the buyer picks Splitit, lands on the Splitit form, chooses the number of installments and types the card there, so card data never reaches your shop. It works with the classic and block checkout and HPOS. You need your own Splitit merchant account.

What the free version does

The settings live in one place: WooCommerce → Splitit. Choose the mode (test or live), enter the client ID, the client secret (stored encrypted) and the terminal ID. “Check credentials” asks Splitit whether it accepts them, and “Create a test plan” makes a plan on your terminal and shows the address of its form. Each order becomes a Splitit installment plan with the total, the currency, the order number and the buyer’s billing details, so nothing is typed twice. When the buyer comes back, the plan is checked with Splitit (Verify Authorization) and its amount and currency are compared with the order; only then is the order paid, and an amount mismatch puts it on hold with a note. A declined card returns the buyer to the checkout with the cart intact and the order marked failed; leaving the form keeps the order pending and the cart in place. “Check payment status” on the order asks Splitit about the plan (for a buyer who closed the tab after paying) and shows how many installments are charged. A refund of the whole remaining amount goes from the WooCommerce order straight to Splitit. Under the price on the product page Splitit draws a line with the monthly payment (On-Site Messaging) and updates it when a variation is chosen. You can set the numbers of installments offered, 3-D Secure and an order total range.

What Pro adds

Webhooks: every new plan reports its approval to the shop, so the order is paid even when the buyer never comes back from the form; the same address pasted in the Merchant Hub brings cancellations, refunds, failed installment charges and disputes into the order notes. Every 15 minutes a background check asks Splitit once more about the plans of pending orders. Charge when shipped: the card is authorized at the checkout and the plan is captured when the order becomes Completed or by a button with the tracking number. Partial refunds of any part of an order, with the Splitit refund strategy of your choice; refunds made in the Merchant Hub are recorded on the order. A separate terminal for each currency of the shop. Installment lines in the shop and category pages, in the cart and a Splitit strip at the bottom of the home page. A journal of the last Splitit events and a CSV report of Splitit orders for a period, to reconcile with Splitit’s settlement reports.

Good to know before you start

• You need your own Splitit merchant account. Live payments need an account approved by Splitit; a test account comes from the Splitit developer registration.
• The terminal ID is the API Key on the Details tab of your merchant in the Splitit Merchant Hub; the client ID and the secret are on the Credentials tab (“Generate a new password” gives the secret, and Splitit shows it once).
• The minimum and maximum order total are set by Splitit for your terminal. Enter the same range on the plugin screen so the method is not offered outside it.
• The buyer pays on the Splitit page; there is no card form inside the shop. The line under the price is drawn by Splitit’s own script, and its wording is Splitit’s.
• Without Pro, a buyer who closes the tab after paying leaves the order pending until you press “Check payment status”. With Pro the webhook and the check every 15 minutes do it by themselves.
• Free refunds the whole remaining amount; a part of an order can be refunded in the Splitit Merchant Hub, and Pro sends partial refunds straight from WooCommerce.
• Disputes and settlement reports stay in the Splitit Merchant Hub; Pro writes dispute events into the order notes. Splitit allows up to three weeks between authorization and capture.
• The Pro installment line in the cart appears in the classic cart only; the block cart does not show it.

How it works, step by step

1. In the Splitit Merchant Hub take the client ID, the client secret and the terminal ID.
2. In WooCommerce → Splitit choose the mode, enter them and press “Check credentials”.
3. Press “Create a test plan” to see the Splitit form of your terminal.
4. Switch Splitit on in WooCommerce → Settings → Payments and place an order in test mode.

Under the hood

• Splitit Installment Plan API v3: a client-credentials token, Initiate for the plan, Verify Authorization before the order is paid.
• The buyer’s return is handled under a per-order lock: three parallel returns give one payment, and the address of the return is not taken on its word.
• Plan and refund requests carry an idempotency key; Splitit errors are shown in words.
• The client secret is stored encrypted; HPOS and block checkout compatible; language: English.

How to install

1. Plugins → Add New → Upload Plugin: choose the zip and activate it.
2. WooCommerce → Splitit: the client ID, the secret, the terminal ID, “Check credentials”.
3. Save the settings and create a test plan.
4. Switch the Splitit payment method on.

The module is not on wordpress.org yet: the free version and Pro are one archive from this page. Without a key it works as the free version.