Splitit

Splitit is a payment solution that allows shoppers to split their purchases into interest-free installments.

Many shoppers face financial constraints when making large purchases, often resorting to high-interest financing options or abandoning their carts altogether. Traditional buy-now-pay-later solutions frequently require new credit applications, impacting consumer credit scores and adding unnecessary complexity. Retailers also struggle with cart abandonment and lost sales due to the lack of flexible payment options.

Splitit solves this problem by enabling shoppers to break down their payments into manageable installments while using their existing credit limits. Unlike other BNPL services, Splitit doesn’t issue new loans—instead, it places a temporary hold on the shopper’s available credit and releases it as payments are made. This approach ensures a frictionless checkout experience, improves conversion rates for merchants, and provides consumers with greater financial flexibility.

The Challenge

As Splitit broadened its global reach, embedding its innovative payment solutions into the fabric of diverse e-commerce ecosystems, the company faced a critical challenge: delivering a seamless integration that could keep pace with its ambitious growth. To meet the needs of merchants and shoppers alike, Splitit required a solution capable of:

• Supporting a wide range of platforms, such as WooCommerce, BigCommerce, SAP, Magento, and Shopify.
• Delivering a streamlined, friction-free checkout process.
• Scaling effortlessly to handle rising transaction volumes.
• Upholding top-tier security, compliance, and performance standards.
• Providing merchants and shoppers with a dependable, user-friendly payment experience.

Custom Plugin Development for Multi-Platform Integration

To support Splitit's expansion across multiple e-commerce platforms, our team at Zest Logic worked closely with CTO Ran Landau to develop and integrate custom plugins.

Each platform had its own technical constraints, requiring a tailored approach to ensure smooth functionality, scalability, and a frictionless checkout experience. We leveraged the following technologies to meet these goals:

• Magento – Developed using PHP (GraphQL), JavaScript, and jQuery, adhering to platform requirements while optimizing performance.
• WooCommerce – Implemented with PHP, JavaScript, and jQuery to seamlessly integrate Splitit’s payment solution.
• SAP – Built with PHP (Laravel), JavaScript, and jQuery, chosen specifically for scalability and maintainability.
• BigCommerce – Utilized PHP (Laravel), JavaScript, and jQuery to create a flexible and efficient integration.
• Shopify – Integrated with PHP (GraphQL), Laravel, JavaScript, and jQuery, ensuring smooth transactions and scalability.

Development Process

Integrating Splitit across multiple e-commerce platforms came with significant challenges—each system had its own architecture, API constraints, and checkout flow requirements. Our goal was to create seamless, high-performance integrations that worked natively within each platform while ensuring security, scalability, and a frictionless user experience.

We collaborated with Splitit to deliver a robust payment integration solution, tailored to their unique needs across multiple e-commerce platforms. Here’s how we brought it to life:

1. Client Request & Analysis – We worked closely with Splitit to understand their technical needs, ensuring seamless payment gateway interactions and compliance.
2. Zest Logic Estimation – We evaluated feasibility, resources, and technical stack, choosing PHP (Laravel & GraphQL), JavaScript, and jQuery to ensure flexibility and scalability.
3. Client Approval – We finalized the roadmap, aligning on API integrations, authentication, and custom checkout flows tailored for each platform.
4. Development & Testing – We built custom integrations for each platform: Magento & Shopify (GraphQL APIs for optimized checkout), WooCommerce (custom PHP plugin with JavaScript enhancements), and SAP & BigCommerce (Laravel-based scalable solutions with real-time updates). Rigorous unit, integration, and end-to-end testing ensured stability and security.
5. Deployment & Ongoing Support – We successfully launched and continue to provide updates, security enhancements, and new feature integrations to keep the system running seamlessly.

Key Achievements

We achieved seamless integration across major e-commerce platforms through carefully crafted custom plugins, ensuring compatibility without compromise. The checkout process was refined into a smooth, intuitive experience that enhances user satisfaction and keeps transactions effortless. On the technical side, we improved API efficiency, reducing processing time by 30% while building a system designed to scale with demand. For merchants, this translated into tangible gains: higher conversion rates, increased average order values, and stronger customer retention. Beyond the launch, we’ve maintained momentum with ongoing updates, ensuring security, performance, and functionality remain top-notch.

Looking Ahead

Our collaboration with Splitit extends beyond initial development — we continue to provide ongoing support, optimizations, and feature enhancements to keep their platform secure, efficient, and adaptable to market needs. As Splitit scales globally, we work closely with their team to refine performance, expand platform compatibility, and introduce new capabilities.

By ensuring long-term stability and continuous improvements, we help Splitit stay ahead in the competitive payments space. This partnership demonstrates the value of deep technical expertise and proactive development in building solutions that not only work seamlessly today but also evolve for the future.