Can you split Payments on Temu between two cards?

Quick Answer:
Can you split payments on Temu? Yes. While Temu doesn’t directly allow the splitting of payments between multiple credit, debit, or prepaid cards, there is a clever workaround. You can combine the use of a single credit, debit, or prepaid card with your Temu gift card balance. This way, you can effectively distribute the payment across two different sources.

While shopping on Temu, you have a variety of payment options, including most debit, credit, and prepaid gift cards. However, if you’re considering using two different cards for a single large purchase, that’s not an option on Temu.

This might pose a challenge if you’re hitting your credit card limit or planning a shared purchase with a friend or roommate.

But don’t worry, there are straightforward solutions for this. Let’s explore how you can effectively split payments on Temu using a simple workaround.

How to split payments on Temu

Solution 1: Using Temu balance with credit/debit or prepaid card

Temu Credit is a reward system offered by Temu. Customers can earn Temu Credit through various means, including the app’s referral program, by participating in promotional activities, and as credit refunds for returned items. 

Temu Credit is automatically applied to eligible orders before submission, and customers can choose to receive their refund as Temu store credit.

Using Temu credit

To use Temu Credit, simply select the “Credit” option at checkout. Then, You can control the amount of Temu credit you want to use and the remaining balance can be paid with a credit card, debit card, or PayPal.

Control Temu credit balance

An important aspect of Temu Credit is that it does not expire. You can accumulate credit over time and use it for any purchase, big or small, as long as your account remains active. 

It’s also worth noting that Temu Credit cannot be transferred to another account or redeemed for cash. The credit can only be used for purchases on the Temu platform.

To check your Temu credit balance, open the Temu app, go to the “You” tab, and select “Credit balance”. The balance should be visible on the screen.

The problem with this solution is that currently, Temu doesn’t provide any way to buy Temu credit with your card or transfer this balance to your friends. So, you are capped by the free rewards that you can earn through their promotional activities on the platform.

Solution 2: Using PayPal balance

If you have two cards with insufficient balance on each of them for your purchase, here’s how you can pay with two cards on Temu using Paypal.

This method involves turning the available balance in the two cards into a PayPal balance and using it to pay for your order on Temu. 

Here’s how to add money to your PayPal balance from your credit card, debit card, or bank account.

  • Add Money from a Linked Bank Account: You can add money to your PayPal balance from a linked USD bank account. This process involves logging into PayPal, going to the Wallet section, selecting “Transfer Money,” then “Add money from your bank or debit card,” and entering the amount. This method typically takes 3 to 5 days to process and has no fee. However, the bank account must be in the same name as the PayPal account​​​​.
  • Add Money Using a Credit or Debit Card: If your PayPal is set up to allow this, you can add money with a credit or debit card. To do this, link your card to PayPal and then follow the steps to add funds as you would with a bank account. This option may not always be available for credit cards depending on your PayPal settings.

After you merge your two card balances into one PayPal balance. Choose Paypal on Temu checkout as your payment method and opt for PayPal balance to fund your purchase.

Solution 3: Use BNPL service on Temu to split your payment

Temu provides four Buy Now, Pay Later payment methods which include: Klarna, AfterPay, Affirm, and PayPal Pay Later.

When using Buy Now, Pay Later (BNPL) services on Temu, you generally don’t need to have the full amount of the purchase available in your account at the time of the transaction. 

BNPL is a deferred payment option that typically allows you to purchase with little to no money paid upfront, followed by installment payments. The cost of the purchase is split into a payment schedule, often with four fixed payments made bi-weekly or monthly until the balance is paid in full.

For example, PayPal’s “Pay in 4” program lets you split a large purchase into four payments, with a small down payment at checkout and the remaining payments spread out bi-weekly. As long as payments are made on time, they are generally interest-free.

However, it’s crucial to be aware of the terms and conditions associated with BNPL services. While many don’t charge interest, most charge late fees if a payment is missed. 

Bear in mind that missed or late payments can negatively affect your credit score. BNPL services can vary in their terms, including repayment options, interest charges, fees, and credit checks. Therefore, it’s important to thoroughly understand the specific BNPL service you’re considering and ensure that the payment plan aligns with your financial capabilities.

BNPL can be a convenient option for spreading out the cost of a purchase, especially if you’re confident in your ability to meet the payment schedule. However, it’s advisable to use BNPL services judiciously and within your budget to avoid financial strain.

Verdict: Can you split Payments on Temu?

In conclusion, while Temu doesn’t directly support splitting payments across multiple credit or debit cards, you have practical alternatives to manage your purchases effectively. 

First, combine your Temu credit with a credit, debit, or prepaid card to distribute payment sources. Remember, Temu credit, earned through referrals or as refunds, doesn’t expire and can be a strategic way to offset costs. 

Alternatively, merge your card balances into a PayPal account and use it for a seamless Temu checkout. 

Lastly, Temu’s Buy Now, Pay Later options like Klarna, AfterPay, Affirm, and PayPal Pay Later offer flexible payment plans, allowing you to manage your finances without the full amount upfront. 

Keep in mind that while these methods offer convenience, it’s crucial to understand their terms and conditions to ensure they align with your financial capabilities. Use these strategies smartly to enhance your shopping experience on Temu without overstretching your budget.


Can you use multiple cards on Temu?

No, Temu does not directly allow the use of multiple cards for a single transaction. However, you can use a combination of one debit or credit card and your Temu gift card balance to effectively split a payment. Additionally, Temu offers Buy Now, Pay Later options like Klarna, AfterPay, Affirm, and PayPal Pay Later, allowing you to make purchases without having the full amount upfront and pay in installments.

How many payment methods can I store on my Temu account?

You can store several payment methods in your Temu account, including various credit/debit cards and PayPal.

Is it possible to link multiple PayPal accounts to my Temu account?

No, Temu allows the linking of only one PayPal account per user account. However, you can use your linked PayPal account in conjunction with a credit or debit card for your purchases, but not at once.

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