Splitit
Splitit is a white-label installment payment solution that allows you to offer interest-free monthly payments to your customers using their existing credit cards without requiring new financing applications.
Square Online
Square Online is a comprehensive e-commerce platform that allows you to build a professional website, sell products across multiple channels, and manage your entire business from a single dashboard.
Quick Comparison
| Feature | Splitit | Square Online |
|---|---|---|
| Website | splitit.com | squareups.com |
| Pricing Model | Custom | Freemium |
| Starting Price | Custom Pricing | Free |
| FREE Trial | ✘ No free trial | ✘ No free trial |
| Free Plan | ✘ No free plan | ✓ Has free plan |
| Product Demo | ✓ Request demo here | ✓ Request demo here |
| Deployment | ||
| Integrations | ||
| Target Users | ||
| Target Industries | ||
| Customer Count | 0 | 0 |
| Founded Year | 2012 | 2009 |
| Headquarters | Atlanta, USA | San Francisco, USA |
Overview
Splitit
Splitit provides a unique way for you to offer installment payments to your customers without the friction of traditional financing. Unlike other providers, it uses your customers' existing credit card limits to authorize the full purchase amount while only charging the monthly installment. This means your shoppers don't have to fill out new credit applications or face hidden fees, leading to higher conversion rates and larger average order values for your store.
You can integrate the platform directly into your existing checkout flow, maintaining your brand's look and feel throughout the entire process. It supports major credit card networks like Visa and Mastercard, allowing you to reach a global audience. By removing the need for third-party credit checks, you provide a smoother path to purchase that rewards your most loyal, credit-worthy customers.
Square Online
Square Online is a flexible e-commerce solution designed to help you transition from offline sales to a full-featured digital storefront. Whether you run a retail shop, a professional services business, or a busy restaurant, you can build a mobile-optimized website without writing a single line of code. The platform automatically syncs your inventory, orders, and customer data with your Square Point of Sale system, ensuring your physical and digital operations stay perfectly aligned.
You can manage your entire business through a unified dashboard that handles everything from SEO and social media selling to local delivery and in-store pickup. The software scales with your growth, offering a free entry point for new entrepreneurs and advanced features for high-volume sellers. It simplifies the complexities of online commerce by providing built-in payment processing, shipping tools, and automated marketing features in one cohesive package.
Overview
Splitit Features
- White-Label Integration Keep your customers on your site with a checkout experience that matches your brand perfectly—no redirects to third-party sites.
- Existing Credit Utilization Allow your shoppers to use their current credit card limits for installments so they can skip lengthy new credit applications.
- Interest-Free Payments Attract more buyers by offering 0% interest monthly installments, making high-ticket items much more affordable for your customers.
- Global Reach Accept payments from customers worldwide using major credit cards like Visa, Mastercard, and UnionPay through a single integration.
- No Credit Checks Reduce cart abandonment by eliminating the need for hard or soft credit pulls that often scare away potential buyers.
- Flexible Installment Plans Set up custom payment schedules that work for your business, ranging from 3 to 24 monthly installments for your shoppers.
Square Online Features
- Visual Site Builder. Create a professional, mobile-responsive website quickly using customizable templates and an intuitive drag-and-drop interface.
- Inventory Syncing. Keep your stock levels accurate across your online store and physical locations with automatic real-time synchronization.
- Omnichannel Selling. Expand your reach by selling products directly through Instagram, Facebook, and Google from your central dashboard.
- Flexible Fulfillment. Offer your customers convenient options like curbside pickup, local delivery, and automated shipping label generation.
- Integrated Payments. Accept all major credit cards, Apple Pay, and Google Pay immediately with built-in secure payment processing.
- Restaurant Tools. Manage digital menus, set up QR code ordering, and coordinate kitchen workflows specifically for food service.
Pricing Comparison
Splitit Pricing
Square Online Pricing
- SEO tools
- Social media selling
- Pickup and local delivery
- Sync with Square POS
- Unlimited products
- SSL security included
- Everything in Free, plus:
- Custom domain connection
- Expanded site customization
- Customer accounts
- Personalized product recommendations
- Advanced reporting tools
Pros & Cons
Splitit
Pros
- Higher conversion rates for expensive luxury items
- Seamless checkout experience keeps users on-site
- No risk of credit score damage for shoppers
- Easy integration with major e-commerce platforms
Cons
- Full purchase amount temporarily impacts credit limit
- Customer support response times can be slow
- Limited to customers who already have credit cards
Square Online
Pros
- Seamless integration with existing Square POS hardware
- Extremely easy setup for non-technical business owners
- No monthly fee option is great for startups
- Excellent mobile-responsive designs out of the box
Cons
- Limited design flexibility compared to dedicated builders
- Transaction fees apply to every sale made
- Advanced features require moving to higher tiers