When we first started using Whop, I thought using SplitIt was completely uneconomical. The 15% fee was indeed high. However, since we now primarily sell to B2C customers, I realized just how high the default rate for installment payments is among B2C users. The default rate for B2B is likely between 5% and 15%. For B2C, it can easily reach 20% to 30%. This means that instead of having customers make installment payments through us, it's more economical to use SplitIt and pay the 15% fee directly. Assuming a 6-month installment plan of $2000/month, approximately 10% to 15% of users will default in the first month. Another 10% to 20% might default in the second month. If your product sells for $12,000, then with a $2,000 monthly installment plan, you'll only recover an average of $7,000 to $8,000. This has little to do with product quality; it's a reflection of the generally outdated B2C model. Furthermore, this doesn't take into account the intangible incentives it provides to the sales team. Charging a full payment after deducting a 15% commission (PIF) is far better than charging $2,000. Now their commission is paid in advance, and the company immediately has more funds to invest in advertising. I wasn't initially optimistic about SplitIt, but now that I understand its economics, SplitIt is simply amazing.