Turning Failed Payments into Completed Purchases

About QSplit

QSplit came to us as a newly founded startup becoming the go-to company for smart checkout solutions. The team at QSplit is transforming the way payments work in eCommerce, particularly for merchants selling high Average Order Value (AOV) products. They do this with the goal of boosting conversion rates by enabling intelligent payment splitting, recovery flows, and personalized payment experiences. By reducing failed transactions and checkout friction, QSplit helps merchants lower cart abandonment and maximize revenue.

The Problem

High-AOV eCommerce transactions are more likely to fail due to credit limits, risk checks, or issuer declines. Traditional checkout flows offer little flexibility when a payment is rejected, often resulting in lost sales and abandoned carts. 

QSplit needed a robust payment infrastructure capable of supporting split payments across multiple credit cards, recovering declined transactions directly within the checkout flow, minimizing PCI exposure while integrating with enterprise-grade payment gateways, and giving merchants full visibility into complex payment states and refund scenarios.

The Solution

We built QSplit’s first tailored solution as a custom WooCommerce payment gateway that embeds directly into the checkout flow and operates as a layer on top of PeleCard, the underlying payment processor. The solution enables customers to complete purchases using one or two credit cards, either by choice or as a smart recovery flow after a failed payment attempt. Split amounts can be defined upfront or dynamically offered after a failed attempt, reducing friction and preventing lost sales.

Payments are processed securely via PeleCard’s hosted payment page using tokenization to keep PCI scope low. Each split transaction is tracked individually while remaining linked to a single WooCommerce order, allowing accurate payment states, automatic recovery handling, and precise refunds. Merchants gain full visibility into split payments and can issue full or partial refunds per card through the admin, supported by a dedicated management platform built with Ruby, Inertia.js, and React.

The architecture was designed to be modular, allowing QSplit to extend the solution over time to support additional eCommerce platforms and integrate new payment providers without reworking the core system.

Conclusion

This project shows how a custom WooCommerce payment gateway, built as a layer on top of PeleCard, can meaningfully improve checkout performance for high-AOV eCommerce. By enabling split payments, QSplit removes common friction points such as credit card limits and issuer declines, allowing more customers to complete purchases that would otherwise fail.

The result is a more inclusive and flexible checkout experience that benefits both buyers and sellers: customers gain additional payment options for high-value purchases, while merchants see higher conversion rates, lower cart abandonment, and increased revenue.

Combined with secure payment processing, granular transaction tracking, and advanced refund handling, the solution provides QSplit with a scalable, conversion-driven payment foundation built for growth. Our modular approach ensures the platform can evolve alongside QSplit’s growth, enabling rapid expansion across new eCommerce ecosystems and payment providers.

"They’re great people, always supportive and responsive, and they consistently think outside the box." - Itamar Hay (Founder & CEO, QSplit)