SmartPay vs Splitit
SmartPay vs Splitit, compared side by side on 10 data points: what each one does, how big it is, what it has raised, the tech running each site, and what users report. We score both out of 100 on traction, team and visibility: SmartPay is on 6/100 and Splitit on 51/100.
Where each one leads
SmartPay
Leads on none of the measures we hold for both companies.
Splitit
- our overall score: 51/100 against 6/100
- agent readiness: 55/100 against 22/100
At a glance
| Measure | SmartPay | Splitit |
|---|---|---|
| What it is | Japan's first comprehensive payment experience and cost-free Buy Now, Pay Later (BNPL) solution. | Splitit offers a merchant-branded Installments-as-a-Service platform for Buy Now, Pay Later solutions. |
| Category | Fintech, Payments, Digital Payments, Embedded Finance | Fintech, BNPL, Payments, Digital Payments |
| Sells toBusiness model | B2B2C | B2B |
| Offering | Platform | Software |
| Founded | 2020 | 2009 |
| Headquarters | Tokyo, Japan | New York, United States |
| Status | Inactive | Active |
Size, funding and growth
| Measure | SmartPay | Splitit |
|---|---|---|
| Employees | Not published | 96 |
| Headcount growthLast 12 months | Not published | +8.3% |
| Total funding | Not published | $298M |
| Latest round | Not published | Post-IPO |
| LinkedIn followers | Not published | 14,516 |
StartupHub scores
Our own 0-100 ratings. They measure company strength and site quality, not which product suits you.
| Measure | SmartPay | Splitit |
|---|---|---|
| StartupHub scoreOur 0-100 rating | 6/100 | 51/100 |
| Traction | Not published | 60/100 |
| Team | Not published | 80/100 |
| Search visibility | 2/100 | 34/100 |
| Quality | Not published | 45/100 |
| Agent readinessHow well an AI agent can read and act on the site | F (22/100) | D (55/100) |
| Domain ratingLink authority, 0-100 | Not published | 73/100 |
Technology
Detected on each public site, so it reflects the marketing stack as well as the product.
| Measure | SmartPay | Splitit |
|---|---|---|
| CDN | Not detected | Cloudflare |
| CMS | Not detected | WordPress |
| Analytics | Not detected | Google Tag Manager |
What users say
| Measure | SmartPay | Splitit |
|---|---|---|
| Reddit sentimentThreads we track | Not published | 1 positive, 2 negative across 6 threads |
“I was taking advantage of the offer with Google where you can trade in a phone and get a new pixel 8a and 2 man credit, for only 4 man. Anyways, at checkout they had the option to use the service known as splitit. Where for zero fee they sp”r/JapanFinance
SmartPay vs Splitit: common questions
Which is better, SmartPay or Splitit?
On our 0-100 score Splitit rates higher (51/100 against 6/100). The score weights traction, team, visibility and profile completeness, so it reflects company strength rather than which product suits you. We compare the two on 10 data points above: read the rows that match what you are buying for.
How do SmartPay and Splitit compare on the numbers?
Splitit leads on our overall score (51/100 against 6/100), agent readiness (55/100 against 22/100).
What do real users say about SmartPay and Splitit?
Splitit: 1 positive and 2 negative mentions across 6 Reddit threads we track, mostly in r/JapanFinance.
Read the full SmartPay review and pricing or the Splitit review and pricing. You can also browse other SmartPay alternatives we track.