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Splitit

Splitit is a credit card installment platform that enables merchants to offer shoppers the ability to split existing credit card purchases into monthly installments without requiring new credit applications, additional interest charges, or third-party redirects. The platform operates directly on shoppers' existing credit cards, leveraging available credit to create installment plans while merchants receive full payment upfront. Splitit provides REST APIs for installment plan creation, eligibility checking, refunds, chargebacks, and merchant onboarding, along with plugins for major e-commerce platforms.

agent ready

Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.

Kin Score

API Evangelist profiles Splitit the way a machine reads it — 32 machine-readable artifacts across 10 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.

Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Splitit scores 58.8/100 (strong), with a separate agent-readiness read of 39/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.

Kin Score

This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.

Kin Score Kin Score How this is scored →
scored 2026-08-17 · rubric v0.11.0
Composite quality — 58.8/100 · strong
Contract Quality 17.6 / 25
Developer Ergonomics 11.7 / 20
Commercial Clarity 14.2 / 20
Operational Transparency 5.1 / 13
Governance 7.0 / 12
Discoverability 7.4 / 10
Regulatory · Payments 5.2 / 15
Agent readiness — 39/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract derived 2.5 / 10
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples partial 3.5 / 7
Rate-Limit Signaling documented 3.5 / 7
Typed Event Surface 6 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Splitit Kin Score — API readiness rating by API Evangelist

Put this on your own site. The badge is drawn live from Splitit's current Kin Score — paste it once and it updates itself every time the score is recomputed. It follows your visitor's light or dark setting, and it links back here so anyone who sees it can read the full breakdown.

<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/splitit/"
   title="Splitit on API Evangelist — API profile and Kin Score">
  <img src="https://apis.io/badge/splitit.svg"
       alt="Splitit Kin Score — API readiness rating by API Evangelist" width="150" height="150" loading="lazy">
</a>

More shapes, themes and sizes → · Score as JSON · How badges work

How we profile Splitit

Each block below is one kind of artifact we hold for Splitit. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.

APIs 10

Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.

Individual APIs this provider publishes, each with its own machine-readable definition.

Splitit Installments API v4

The updated version of the Splitit Installments API offering enhanced capabilities for creating and managing credit card installment plans with improvements over the v3 API.

Splitit Account Management System API

API for onboarding and managing sub-merchants on the Splitit platform. Enables payment facilitators and marketplace operators to add merchant partners, upload compliance documen...

Splitit Merchant Reports API

API for retrieving merchant-level reporting data including transaction history, installment plan summaries, funding reports, and reconciliation data for merchants operating on t...

Splitit Key Exchange Server API

API for creating and managing encryption keys used to secure payment data during Splitit integrations. Supports cryptographic key management for secure card data handling in com...

Splitit Chargebacks API

API for handling and managing chargebacks on Splitit installment plans. Enables merchants to respond to, track, and resolve chargeback disputes for installment transactions proc...

Splitit Text-to-Pay API

API enabling merchants to initiate Splitit installment payment flows via SMS, email, and QR codes as part of the Splitit Go product. Allows sending payment links to shoppers thr...

Splitit Authentication API

Obtain access tokens

Splitit Eligibility API

Check shopper eligibility for installment plans

Splitit Installment Plans API

Create, initiate, fetch, update, refund, and cancel installment plans

Splitit Merchant Management API

Onboard and manage merchant partners

Scroll within the panel for all 10 ·

Postman Collections 4

A runnable collection turns the contract into something a developer can execute in seconds. We profile them because the fastest way to trust an API is to make a real call against it.

Ready-to-run Postman collections for exercising this provider's APIs.

Open Collections 5

Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Pricing Plans 1

Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.

Published pricing tiers and plan structures.

Plans

4 plans

PLANS

Rate Limits 1

Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.

Documented rate limits and quota policies.

Rate Limits

4 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.

Cost, billing, and metering signals for API financial operations.

Finops

FINOPS

Semantic Vocabularies 1

JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.

JSON-LD contexts and semantic vocabularies used across these APIs.

Splitit Context

33 classes · 20 properties

JSON-LD

Spectral Rules 1

Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.

Splitit API Rules

6 rules · 4 warnings

SPECTRAL

JSON Schema 1

Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.

Standalone JSON Schema definitions for this provider's data models.

Splitit Installment Plan

9 properties

JSON SCHEMA

Examples 4

Real request and response payloads are what turn a spec from abstract into obvious — and they're one of the twelve things an agent needs to call an API correctly on the first try.

Example request and response payloads for these APIs.

Check Eligibility

7 fields

EXAMPLE

Create Installment Plan

7 fields

EXAMPLE

Initiate Installment Plan

7 fields

EXAMPLE

Refund Plan

7 fields

EXAMPLE

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Splitit Authentication

http · 1 scheme

SECURITY

Splitit Domain Security

TLSv1.3 · DMARC

SECURITY

Agentic Access 1

An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.

Recommended x-agentic-access execution contracts for AI agents.

Splitit Agentic Access

18 operations · 13 acting

18 operations · 13 acting

AGENTIC

Resources

Every other property we hold for Splitit — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.

Documentation 1

Reference material describing how the API behaves

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Access & Security 3

Authentication, authorization, and security posture

Operate 2

Status, limits, changes, and where to get help

Commercial 3

Pricing, plans, and the legal terms of use

← All providers · Data indexed from github.com/api-evangelist/splitit · machine-readable index on apis.io

Where this information came from

This is an independent, third-party profile of Splitit, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.

The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.

Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.

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On a security or compliance team? Put security in the subject line and you will get a person, not a form — we will tell you exactly which public URLs this profile was built from.