Split Pay

Think you need a fintech to offer Split Pay?
Think again.

Banks, lenders and merchants can launch and control their own white-labeled split pay solution. No fintech required.

Any customer can split payments

With our white-labeled split pay solution, any card-holder can split their purchase payment using their existing card. Just like a regular transaction. 

Because split pay is a payment product and not a loan, there’s no underwriting or lending required.

Embedded in every customer channel

Provide a seamless embedded lending experience in your own brand across every customer touchpoint – online, in-store and via call center.



At Home

Call Center


Ordering System


Bank App

Marketing Asset

Every type of split pay option

Pay in 3 or pay in 4

However you want to slice it, we support it.

Launch in moments,

not months

Fully functional split pay solution that’s ready to launch at scale, with every risk mitigation tool built in.

Customizable at the click of a button.

Branded for the merchant and lender.

White-labeled virtual cards

Ecommerce platform plugins

Customizable APIs

Make data-driven decisions

From big-picture insights to market-by-market data drilldowns, our real-time reporting dashboards empower you with actionable business intelligence to make data-driven decisions.

One embedded lending platform to power it all

Created with Fabric.js 3.5.0

Quick time to market

Get your split pay solution to market in record time and scale using ecommerce plugins, virtual cards, or simple APIs.

Created with Fabric.js 3.5.0

On-brand user journeys

Position your brand at the point of sale and keep customers engaged throughout the user journey with branded, omnichannel front-end experiences

Created with Fabric.js 3.5.0

Fully-stacked checkout stack

A broad array of checkout and fund disbursement options, from zero-integration virtual cards to customizable API solutions.

Created with Fabric.js 3.5.0

Loan lifecycle tools

From our robust reporting platform to customer self-service portals, we’ve got your entire customer split pay lifecycle covered.

The people have spoken

Jifiti has a commitment to excellence, demonstrated creativity and flexibility for our business needs and never missed a deadline or an obligation.

Erin Limas


Borsheims Fine Jewelry

We are delighted to collaborate with Jifiti in Europe as this partnership allows us to deliver seamless checkout financing experiences for consumers. It’s a win-win for all stakeholders.

Simon Forbes

SVP, Business Development


Jifiti is working side-by-side with us, not just as our BNPL platform provider, but as a true end-to-end partner. The team has gone above and beyond, making the IKEA POS financing seamless, affordable and easily accessible to our customers.

Leyre Azcona Munarriz

Retail Business Manager

Retail Financial services at Ingka Group

Let’s Talk Embedded Lending

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