Source: https://fintech.ph/listing/splitmo

S

# SplitMo

[Buy Now Pay Later](https://fintech.ph/category/bnpl) [Lending](https://fintech.ph/category/lending) [Payments](https://fintech.ph/category/payments)

[Visit website](https://splitmo.co/)

- **Founded**: 2020
- **Headquarters**: Makati City, Metro Manila
- **Stage**: Private
- **Licences**: 2. BSP, SEC

## Overview

SplitMo is a Philippine credit-card installment platform operated by 4Gives Lending Services Corp. It lets shoppers split purchases into installments using their existing Visa, Mastercard, JCB or American Express cards at checkout, with no separate bank installment approval, while merchants receive the full amount upfront within 1–2 banking days. 4Gives positions itself as an embedded-finance and BNPL platform serving consumers, merchants and employers. It is a BSP-registered Operator of Payment System and an SEC-registered lending company.

### Products

- SplitMo credit-card installment checkout
- Embedded finance / BNPL platform

### Serves

Online shoppers Merchants

## Funding and ownership

Stage

Private

## People

- Edward Refundo Founder & CEO

## Licences and certifications

- [BSP-registered Operator of Payment System (OPS) — OPSCOR-2024-0022](https://fintech.ph/licence/payment-system-operators) [Check: BSP Registered Operators of Payment System (4Gives Lending Services Corp. / SplitMo, OPSCOR-2024-0022)](https://www.bsp.gov.ph/PaymentAndSettlement/COR.pdf)
- [SEC-registered lending company](https://fintech.ph/licence/lending-companies) [Check: SEC lists of lending and financing companies](https://www.sec.gov.ph/lending-companies-and-financing-companies-2/)

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## Contact and links

[splitmo.co](https://splitmo.co/)

- [facebook](https://www.facebook.com/splitmo.co)

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[More in Buy Now Pay Later](https://fintech.ph/category/bnpl)

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From fintech.ph, an independent directory of fintech companies in the Philippines, as of October 27, 2026. Please link to https://fintech.ph/listing/splitmo when citing this page.