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Worldline and Splitit reconcile BNPL and credit cards

Worldline and fractional payment service provider Splitit have partnered to develop a card-based staggered payment solution for Worldline's network in North America.


  • Worldline plans to integrate Splitit into its North American processing platform and enable Splitit APIs through its front-end to provide its merchants with a seamless way to adopt card payments.

  • Splitit's white-label platform offers one-click payments integrated into the merchant's existing payment flow.

  • Instead of issuing new consumer loans, Splitit unlocks existing consumer credit on payment cards for 0% interest, installment payments.

  • No interest is payable to Splitit. The cardholder may be required to pay interest to the payment card issuer if instalments are not paid in full by the due date.


  • Simplify the onboarding process: Any consumer with available credit on their credit card is automatically pre-qualified to use Splitit for the value of that available credit. There is no registration, redirection or credit checks.

  • Offering a white label service: The "experience" reduces the clutter and confusion of multiple payment logos at checkout, ensuring brand consistency while promoting loyalty to the installment plan.


  • White label BNPL solutions offer retailers alternative third party BNPL buttons by allowing them to create their own branded services. They have proven popular with retailers looking to integrate BNPL in-house, as evidenced by Tymit's recent Series A funding round.

  • Last year, Deutsch Bank announced a partnership with FinTech Credi2 to develop a white label BNPL offering for German e-commerce merchants and marketplaces.

  • Meanwhile, Barclays U.S. Consumer Bank has partnered with Amount to tap into the growing market for point-of-sale installment financing options with a white-label solution for in-store purchases.