When shopping online, most people use a single card for their purchase, but there might be situations where you wonder if it's possible to use two credit cards to pay for one order. Or maybe even multiple cards? Whether you want to utilize your different credit cards to maximize rewards—regardless of a card's available credit limit—or just wish you had the flexibility to spread out the cost of a large purchase across multiple cards; you're not the first person to ask this question.

Unfortunately, most online retailers do not directly support split payments between multiple payment methods. However, there's a new third-party payment service that offers a clever solution and workaround.

Keep reading to learn how it's possible to use two or more credit cards for all online transactions, as we explain what split payments are, and discuss the associated limitations and solutions.

Is Using Two Credit Cards for Online Purchases Possible?

As we mentioned, most online retailers do not offer customers the option to use two or more credit cards to pay for a single purchase at checkout. This limitation is primarily due to technical reasons within the payment processing systems. However, thanks to a new innovative finance service called Kasheesh there is now a convenient workaround to the problem.

The Workaround: Use Multiple Cards at Any Online Store

Split payments across up to five cards: Kasheesh is a payment service that allows you to split any online purchase or payment between multiple cards, including credit cards, debit cards, and pre-paid gift cards. Kasheesh is a secure and trusted payment service partnered with big financial services such as Plaid, Stripe, and Mastercard; and it can be used at any online retailer that accepts Mastercard debit cards (which is most of them!).

How it works (2025 Step-by-Step Guide)

Here’s a step-by-step guide to using Kasheesh to split your online payments on any website:

1. Sign Up and Link Your Cards: First, you need to sign up for a Kasheesh account. After completing the sign-up process, you can add your credit, debit, and prepaid gift cards to your Kasheesh account.
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2. Choose How to Split the Payment: Once your cards are added, you decide how you want to split your payment among your cards. Kasheesh allows you to specify the exact amount or percentage of the total purchase price you want to charge to each card.
   
   ‍Note: Kasheesh offers both a Single-Use Card and the standard Kasheesh Card, but we recommend using the Kasheesh Card for convenient everyday purchases.
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3. Generate a Virtual Card: Kasheesh will then let you generate a virtual card that you can use at checkout at any online retailer (as long as they accept Mastercard debit cards). This virtual card acts as a stand-in for the combination of all the cards you’ve selected.
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4. Complete Your Purchase: When you’re ready to check out, simply enter the details of the Kasheesh virtual card just like you would with any regular credit or debit card. The total amount of your purchase will be automatically split between the cards you've chosen.

‍Learn more about how Kasheesh works here.

What is a Split Payment?

A split payment occurs when a single transaction is divided between two or more payment methods. This can include multiple credit cards, debit cards, gift cards, or a combination of these. Split payments are commonly used in physical retail environments but are less frequently supported on online retailers own checkout pages – however, as mentioned above, with the help of a service like Kasheesh it is now possible to split payments online as well.

Why Aren't Split Payments Normally Offered Online?

Split payments are not commonly accepted online due to several factors:

Technical Limitations & Operational Challenges:

• Complex Integration for Retailers: Online payment gateways and shopping cart systems need significant modifications to support multiple payment methods for a single transaction.
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• ‍Retailers Worry About Abandoned Carts: Splitting payments could slow down the checkout process if it hasn’t been set up previously, leading to a less streamlined customer experience, and offering multiple payment options could confuse customers, both which can potentially lead to abandoned carts and lost sales – something retailers generally tend to want to avoid.

Are There Online Stores That Allow Split Payments?

While it’s not the norm, some online retailers do offer some limited versions of split payment directly on their websites. These are usually larger retailers with more advanced payment systems. Examples include:

• Target: Target is one of the few retailers that allows you to split a payment between two credit or debit cards, both in-store and on Target.com.
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• ‍Walmart: Allows the use of paying with multiple Walmart gift cards in addition to one credit card, but does not offer the option to split payment among multiple credit or debit cards.
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• ‍Amazon: Allows the use of paying with multiple Amazon gift cards in addition to one credit or debit card, but does not offer the option to split payment among multiple credit or debit cards.
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If you want to split your payment across multiple of your debit cards, credit cards, and pre-paid VISA/Mastercard gift cards, the easiest way to do so is using Kasheesh which allows you to split any online payment across up to five cards, including on sites like Walmart, Amazon, Best Buy, and other big retailers. It even works for paying rent or other bills.

How to split payments between multiple cards on Amazon

If you're a frequent Amazon shopper, you might be curious about whether it's possible to pay with multiple cards for a single purchase on Amazon. Unfortunately, Amazon doesn’t allow direct split payments between two or more credit or debit cards. However, you can bypass this limitation by leveraging the financial service Kasheesh, which lets you divide payments among up to five different cards, allowing you to use two (or more!) credit cards, debit cards, or prepaid gift cards for a single purchase on Amazon.

How to split payments across multiple cards at Walmart

Likewise, if you've ever wanted to split the cost of a large purchase among several cards at Walmart, you might have discovered that Walmart also does not directly offer this option at checkout. The great news is that Kasheesh works at Walmart too; allowing you to spread out the cost across up to five of your credit and debit cards.

Conclusion

While the ability to use two or more credit cards directly on online retailers websites is limited, understanding split payments and exploring available options can help you navigate these restrictions. By leveraging available workarounds and payment services, you can effectively manage your online purchases even when a single credit card might not suffice or when you want to minimize the spend on each of your cards.