super.money launches splitStore instalment marketplace

super.money launched splitStore on 7 August 2026. It is an in-app marketplace inside the Bengaluru fintech’s app where users split payments without a credit card, a processing fee or interest. The catalogue runs to more than 60 lakh products across smartphones, fashion, electronics, appliances, beauty, fitness, home and furniture. Listed brands include Apple, Nothing, Nike, Adidas, Marshall, Mokobara and Snitch. Fulfilment runs on Flipkart’s logistics network. The product is live for select users with a wider rollout underway.

super.money already runs UPI payments, secured RuPay credit cards, checkout financing and personal loans. Entrackr reports it was the fifth largest UPI app by transaction volume as of June, behind PhonePe, Google Pay, Paytm and Navi. Credit is extended after KYC verification through regulated lending partners. Founder and chief executive Prakash Sikaria said the next opportunity after UPI is transforming how India shops by making affordability a seamless part of the checkout experience.

The report does not give instalment tenures, ticket-size caps, merchant fees or splitStore user numbers. Those figures are absent, not small.

For a brand, the useful number is not conversion lift in the abstract. It is the price point at which a monthly figure reads cheaper than a single figure. Below roughly Rs 2,000 a split changes almost nothing, because the customer was never blocked on affordability in the first place. The lift concentrates on higher-ticket SKUs. So the honest exercise is working out what share of your catalogue sits above that line, and accepting that instalments do nothing at all for the rest of it.

Then price in the reversal. A return on an instalment order is not a refund, it is a loan being unwound. A third party now sits inside your cancellation path, so the support ticket changes from where is my money to why is my instalment still running. Teams that do not brief support on this watch resolution time climb on exactly the high-value orders instalments were meant to win. And zero interest is never free. Someone carries the subvention. Find out whether that is the platform or the merchant before you book an AOV gain as profit.