What is Sezzle?

With Sezzle, you can buy more, pay later. so that you get what you need, when you want. Sezzle is a payment solution that enables you to "Shop Now and Pay Later" with simple interest-free installment plans.Sezzle breaks down purchases into four smaller payments spread over six weeks. 25% is due at the time of the transaction, with the remaining 75% due across three easy payments scheduled every two weeks. When you complete a purchase with Sezzle, we ship your product immediately. You get to enjoy the item before you finish paying for it! Sezzle automates the repayments from your bank account on file.

How it works?

Select Sezzle as your payment method while checking out. Your order must equal $50 or more to qualify for payment using Sezzle. Sezzle is available at checkout after Shipping.

To use Sezzle, you must:

- Be 18 years or older (19 years or older in Alabama or if you're a ward of the state in Nebraska)

- Have a valid U.S. mobile phone number and email address

- Have an active U.S. bank account

Sezzle's extended payment product does not qualify as a credit product per Reg Z, which means there is no "hard credit" check typically associated with credit products.

My Payment method isn't supported.

Unfortunately, there are a few forms of payment that cannot be used at Sezzle:

- American Express Cards - Sezzle does not accept American Express debit or credit cards.

- Capital One Credit Cards - Capital One does not allow their cards to be used at Sezzle.

- Savings Accounts  - The use of savings accounts is restricted by Federal regulations.

Please also note that prepaid or benefit cards can be used for payments on existing orders, but cannot be used to place new orders. To learn how to add an eligible card or alternative payment method to your account, you can check out our help article linked below.

Help Article:

I need to add a new payment method

My bank is not accepted as a default payment method for first installments.

At this time, we will no longer be allowing bank accounts to be used as default payment methods for first installments on new orders. You may set your bank account as the default payment method for scheduled installments, however, you must have a debit or credit card on file set as the first installment payment method on your account. You can make changes to your default payment methods for both first installments and the following scheduled installments by navigating to your Sezzle dashboard, selecting "Accounts," and then "Payment Methods."

Where can I use my Sezzle Virtual Card?

Currently, shoppers are only able to use their Sezzle Virtual Card with select retailers online and in-store. To see a list of all current retailers currently accepting the Sezzle Virtual Card, simply login to the Sezzle app using your mobile device and navigate to the “Sezzle Card” tab. Here you will be able to see which retailers currently accept the Sezzle Virtual Card as a payment method.

Note: Minimum order dollar amount of at least $35 (including tax and all other fees) must be met for all Sezzle purchases. This could be higher based on a minimum order amount set by the merchant.

At this time, the retailers listed there are the only retailers that accept our virtual card as a payment method. Over time, more and more retailers will be added to this list, so be sure to check back regularly for new additions!*The Sezzle Virtual Card is only available for shoppers located in the U.S. and U.S Territories.

How do I reschedule a payment?

Sometimes life happens and you can’t make your payments when they were originally scheduled. That’s ok! It’s exactly why we offer one free reschedule on every order—we want to empower you to make smart financial decisions.

Depending on your state’s guidelines, you may be able to reschedule your payments up to three times, subject to a fee. So, even though payments can only be moved out two weeks at a time from their originally scheduled dates, you may have two additional reschedules that can be used to move payments again, if needed. The second and third reschedules will just require your approval for a fee* that is charged with the installment.

Please note: should you have any rescheduled payments on your account will be unable to place new orders until you are caught up on your current payments.

To reschedule an installment, simply follow the steps below:

1. Log into your Sezzle dashboard 

2. Navigate to your “Orders” tab and click on “View Order” next to the order you want to reschedule

3. Select “Reschedule” next to your payment

4. Choose a new date on the calendar and then confirm!

You can always pay off installments early for no charge. To learn more about this process, please read more here.

Please note:

- Once you hit confirm, the reschedule is finalized, so make sure to review thoroughly!

- We recommend rescheduling payments at least 48 hours before the due date to ensure the reschedule is successful. If you reschedule a payment within 48 hours of the day that it was originally due, we cannot guarantee the reschedule will be successful, and the installment may still be charged as originally scheduled.

- Once a rescheduling fee has been added, moving the date to an earlier date will not remove the fee.

If you find that you are unable to reschedule, here are some reasons why. You may be out of the reschedules allowed for that order. You will need to pay off the remaining payments as scheduled.

- You may have a failed or outstanding payment on your account that you need to resolve. Once you settle that payment, you should be able to reschedule other payments again. Learn more about failed payments here.

- You may be declined if attempting to place a new order after rescheduling a payment if you haven't begun to make payments again to Sezzle. However, pay off all of your rescheduled installments and you will be able to start shopping again!

*Where imposed, fee amounts are determined by individual state regulations and will reflect accordingly on your Sezzle account upon reschedule or failed payment.

I need to add a new payment method.

The following payment methods can be used with Sezzle

- Default payment methods

- Debit and credit cards

- Bank accounts

- Prepaid/benefit cards

In all instances, adding a payment method does not automatically update outstanding installments, so you will need to take an additional step! If you’d like all unpaid installments to be charged to your new payment method, you will need to set it as the default method after you add it to your account. To update your default payment method, simply go to Payment Methods, select the payment method in question, and choose "Set as default."

See steps here.

Please make all changes to the default payment method at least 48 hours before the payment is scheduled. Changes made within 48 hours of the payment due date may not take effect.

If you need to add a new payment method because your previous one was stolen or compromised, you may also want to reschedule your payments while you wait for your new payment method to arrive.

Default payment methods

We require that you choose two default payment methods on your account:

1. For the Down Payment which is due when you place your order

2. For the remaining scheduled installments that are due over the next 6 weeks. If you are using a credit or debit card, these default payment methods can be the same

A few things to note:

- Small convenience fees* may be incurred on scheduled installments if paid with any type of card, including credit, debit, or prepaid benefit cards. Avoid convenience fees by selecting a bank account as the default payment method for schedule payments (installments 2-4).

- Unfortunately, we do not allow bank accounts to be used as default payment methods on Down Payments.

- Prepaid/benefit cards can only be used to pay off installments and not to place new orders

To set up your default payment methods, follow these steps:

1. Log into your Sezzle dashboard

2. Navigate to the "Accounts" tab

3. Click on "Payment Methods"

4. Select "Add card" if you haven't added one to your Sezzle account yet

5. Once you've typed in your card details, check the box below that says "Make default payment method for first payments"

6. At this point, you can assign the same card to be the default payment method for "Scheduled payments," or you're welcome to add a bank account or another card. Just enter in the details for your payment method and check the box that says "Make default payment method for scheduled payments''

How to add a payment method

To add a debit or credit card:

- Navigate to Payment Methods within your Sezzle dashboard

- Click on "Add a new debit/credit card" and input your card details

- Once added, if you want all future installments to be charged to this new payment method, simply select it and choose "Set as default"

If you add a debit or credit card to your account and it appears in the "Prepaid card" section, that means the card has been designated as a prepaid card by your financial institution. If you have questions about why a card is labeled as a prepaid card, please reach out to your card issuer directly (typically by calling the phone number on the back of the card) to learn more about the card.

To add a bank account:

- Navigate to Payment Methods within your Sezzle dashboard

- Select "Connect your bank account"

- To make it easier for you to add a bank account, we have two linking methods

NOTE: Bank accounts cannot be used as payment methods for Down Payments, but can be used for other scheduled installments. Once you've added your bank account you can designate it as the default payment method for scheduled installments on the Payment Methods screen.

To add a prepaid card

- Navigate to Payment Methods within your Sezzle dashboard

- Click on "Add a new debit/credit card" and input your card details. Once added, it will automatically show up in the "Prepaid card" section of that page

Since prepaid cards can't be used to place orders or for scheduling installments, you won't have the option to set them as your default payment method. However, you can use it to pay off existing installments. To learn about how to pay off installments, click here.*Fees may not be applicable to shoppers in certain regions—please review our user agreement for more information. Where imposed, fee amounts are determined by individual state regulations and will reflect accordingly on your Sezzle account upon payment processing. Convenience fees will not be incurred on Sezzle Premium subscription payments made with a debit or credit card.

How do I pay off an order in full or early?

If you’d like to make one (or all) of your payments early, that's awesome! All you need to do is:

1. Log into your Sezzle dashboard

2. Navigate to your “Orders” tab

3. Click “View Order” next to an order

4. Click “Pay Now” on an installment and choose the payment method you want to use

5. Rinse and repeat as many times as you’d like

Please note:

- This method is the only way to use a prepaid card to pay off installments.

- This process must be completed in order of installments - so the second installment must be paid off before you can pay off your third installment. Once the previous installment has been paid, you'll see the option to pay appear on the next installment.

- Once you have selected "Confirm," we cannot cancel or adjust the payment.

Unfortunately, there’s no way to pay off an order in one lump sum, but you can pay off your installments one by one after an order has been placed. We don't charge any interest, so there's no direct benefit to paying off an order early. However, paying off an order in full early may increase your chances of getting a new order approved, so we recommend doing so if you've been declined for orders in the past.

Why was I charged a fee?

We charge fees for the following reasons:

- More than one reschedule has been applied to an order (reschedule fees)

- A payment has failed (failed payment fees)

- When cards, including a credit, debit, or prepaid benefit card, are used for a scheduled payment (convenience fees)

Sezzle fees are always charged with the payment installment they’ve been added to, so you will not see multiple charges from us. However, any fees imposed by your bank will be charged separately. See below for more info on our two types of fees.

Rescheduled Payment Fee

When you reschedule your payments on an order for the second or third time, a fee* is added to your next upcoming payment. This fee requires your approval, so we’ll let you know about it ahead of time. You can read more about how to reschedule your payments here. It’s important to note that not all shoppers qualify for more than one reschedule per order. If you qualify for additional reschedules, you will see this option appear in your dashboard.

Failed Payment Fee

We get it. Sometimes life just happens! If we aren't able to process a payment, maybe because your card has expired or we get an insufficient funds notice from your bank, a fee* is added to that payment. However, there is a grace period** during which the fee can be waived automatically if you successfully resolve the payment. If you have a failed payment, your due dates are automatically rescheduled and no new purchases are authorized until that payment is resolved. You can find more about failed payments here.

To be on the safe side, you may want to check that you haven’t marked our texts or emails as “spam” or had them sent straight to your junk folder. We always send alerts before a payment is due because we don’t want to catch you by surprise.

Convenience fees

Convenience fees are small fees* tied to scheduled payments made with any type of card, including credit, debit, or prepaid benefit cards. To avoid convenience fees, connect a bank account to pay installments 2-4 on current and future orders. (A credit or debit card will still be required to pay the first installment on all new orders and will not incur a fee). To view more payment method options and state by state guidelines, see our user agreement here.

Note: Convenience fees will not be applied to Sezzle Premium subscription payments made with a debit/credit card.

Any Fee Charged Separately

Sezzle fees are always charged with payments, but it’s possible to have multiple fees on one order. For example, if you had a failed payment fee and a rescheduling fee on the same payment, it would show as a single charge on your payment method, like this:

$Original-Payment-Amount + $Failed-Payment-Fee + $Reschedule-Fee = $Total-Charge

If you see a separate fee on your bank statement that is labeled “Sezzle,” it is most likely a fee your bank has charged. So for instance, if you incurred an overdraft or “NSF fee,” because of a Sezzle payment, the charge may be labeled “Sezzle” because it was the Sezzle charge that caused your account to overdraft. These fees are commonly around $30 but sometimes can be larger than $50. If you see one of these fees on your account, please reach out to your bank directly—they will be the best source of information as to why the fee was charged!

*Fees may not be applicable to shoppers in certain regions—please review our user agreement for more information. Where imposed, fee amounts are determined by individual state regulations and will reflect accordingly on your Sezzle account upon reschedule, failed payment, or payment processing.

**Depending on the state in which you reside, this 48-hour grace period may last up to 15 calendar days. Please reference your state legislature for more details.

My payment failed, now what?

Hey, you know what...life happens! It’s ok. We know there are plenty of reasons why a payment may fail, such as:

- Insufficient funds

- Bank declined the charge

- Card number is incorrect

- Payment method has expired

When a payment fails, a fee* is added to the installment, your due dates are automatically rescheduled and no new purchases or other payment reschedules are authorized until the payment is resolved. The failed payment's new due date also cannot be rescheduled. However, if you resolve the failed payment within a certain grace period,** the fee will automatically be waived. To make any payments right away, navigate to your orders to pay now and resolve.

Lastly, to be on the safe side, you may want to check that you haven’t marked our texts or emails as “spam” or had them sent straight to your junk folder. We always send alerts before a payment is due because we don’t want to catch you by surprise, so it can’t hurt to review your notification settings.*Fees may not be applicable to shoppers in certain regions —please review our user agreement for more information. Where imposed, fee amounts are determined by individual state regulations and will reflect on your Sezzle account accordingly based on your location.

**Depending on the state in which you reside, this 48-hour grace period may last up to 15 calendar days. Grace periods will always reflect on your Sezzle account accordingly based on your location. Please reference your state legislature for more details.

I need to remove a payment method from my Sezzle account.

Before removing a payment method, you will need to ensure any existing orders have a payment method attached that does not match the payment method you are looking to remove. If you have any outstanding installments scheduled to be paid using the payment method, you will not be able to remove it. In addition, if there are any failed payments on an account, you will not be able to remove any payment methods from your account.

Changing Payment Method

You can easily change the payment method associated with existing orders by selecting the order in your dashboard, and selecting "Change Payment Method." Once the payment method you would like to remove from the account is removed from all outstanding orders on your account, you will be able to remove it.

To remove a payment method from your Sezzle account, start by logging into your Sezzle account either online or using the Sezzle app. Next, select “Account,” then “Payment Methods." Once you have navigated here, select the payment method you’d like to remove and select "Remove."

If you have taken all the steps above and are still experiencing issues removing the payment method, feel free to reach out to our team using the "Help" button on the right side of the screen.

How do refunds work?

Here at Sezzle, we make getting a refund as easy as possible because we’ve got you covered! Here’s what you need to know.

- As soon as the merchant sends us a refund, we'll let you know. Your payment plan will be updated automatically and we will send you an email detailing exactly what’s changed

- Until the merchant processes your refund to Sezzle, we continue collecting payments per our user agreement.

- Anything refunded to you will cancel outstanding payments first and then whatever is left over is sent straight back to the payment method you used to originally place your order. We want to cancel or reduce unpaid installments first to prevent you from receiving a credit only to still owe us another installment.

- Sometimes refunds can be returned in installment amounts to reflect how the payments were made originally, so it’s helpful to check for anything labeled “Sezzle”, rather than specific amounts.

- If you’ve received communication from the merchant that they’ve sent a refund, but you haven’t received an email from Sezzle confirming a refund was issued, it can be helpful to follow up with the merchant regarding its status.

If the merchant issues store credit, no changes will be made to your Sezzle order. You will still be responsible for all payments because you received the purchase price back in a different form. Similarly, if a merchant refund is issued via cash or a third party such as Venmo or PayPal, a refund will not be issued to your Sezzle account.Finally, if you paid for an order with multiple payment methods, like using two different cards, for example, your refund will be split between those payment methods.If you are due any money back to your original payment method, the refunded amount will appear on your account within 10 business days after receiving the refund email from Sezzle.

The payment method I used is now canceled or closed

Due to industry regulations, we can only send refunds back to the original payment method. However, most banks and card companies have policies in place for instances just like this. If you have a new account with the same institution, they can often credit the funds to the new account. If you closed all accounts entirely, they may notify you of the credit or issue you a check. In all instances, we recommend reaching out to your financial institution directly, as they'll be the best source of information regarding their processes.

I haven't received my refund yet?

If you received an email from Sezzle confirming you received a refund on an order, but the refund hasn't been posted to your original payment method yet, please double-check the refund details. If you haven't received confirmation from Sezzle the refund was issued, please work with the store directly to confirm they processed the refund.

If the merchant issues store credit, no changes will be made to your Sezzle account, and you will not receive a refund through Sezzle. You will need to continue paying off your Sezzle order, as you're now essentially paying off a gift card. Additionally, if you receive a cash refund or a refund through a third-party such as Venmo or PayPal, a refund will not be issued to your Sezzle account.

Because Sezzle pays the store in full for your order, the store will often send you a refund notice for an amount that is different from what you'll actually receive. This is because the store is refunding us for the amount we paid to them, and it's then our job to refund you based on how much you've paid us. To understand how refunds are calculated and processed at Sezzle.

It may also take a business day or two for the store to fully process your refund - so keep an eye out for a refund notice from Sezzle, as that will confirm the date we received the refund from the merchant and adjusted your account. Typically, refunds post back to your original payment method within 10 business days from when we send the email.

Additionally, the refund may come in smaller amounts that are equal to each payment, or as one lump sum, depending on your payment method. We recommend reviewing your statements for charges from Sezzle, instead of looking for a specific dollar amount.

I paid for the order on more than one payment method, now what?

Sezzle processes any refunds on orders on a per-payment basis, working from the 4th payment backward to the 1st.

For example, let's say you placed a $100 order. The first three payments ($75 total) were paid on a credit card, and the final payment ($25) was paid on a debit card. If the merchant issued a $25 refund, we would credit the final payment - so you'd receive $25 back to your debit card, and no refund would be sent to your credit card.

In that same situation, if the merchant issued a $50 refund, we would credit the fourth and third installments. You would receive $25 on your debit card and $25 on your credit card.

This is an industry-standard, and we cannot override the payment method the refund is sent to.

The payment method I used is now canceled or closed.

Due to industry regulations, we can only send refunds back to the original payment method. However, most banks and card companies have policies in place for instances just like this. If you have a new account with the same institution, they can often credit the funds to the new account. If you closed all accounts entirely, they may notify you of the credit or issue you a check. In all instances, we recommend reaching out to your financial institution directly, as they'll be able to explain their processes.

I was overcharged.

If you find a charge from Sezzle that appears to be incorrect, there are a few things to look at to help determine what's going on.

Is the charge pending?

Pending charges appear differently on your bank account or card statement than a posted transaction. These are often called "authorizations" or "preauthorizations" and are not necessarily the amount that will be charged (or posted) to your account. In some cases, especially for new orders, we may authorize your payment method for the full amount, but the charge will only post for the amount of the specific installment.

If you see a charge that is pending, especially if it matches the order total of a recent order, we recommend waiting a few days for the charge to finalize - typically, this happens within 3 business days, though usually sooner. This process is entirely automatic, and not something that we're able to expedite.

If you have further questions about how authorizations or pending charges work, we recommend reaching out to your financial institution, as they'll be able to best explain how those terms apply to your account.

Is the charge labeled as "Sezzle"?

If the charge doesn't have Sezzle in the name, and especially if it's for the full amount of your order, it's most likely that your purchase wasn't completed with Sezzle. The charge will usually be under the store's name, and you won't see an order on your Sezzle account. If this is the case, and you'd like to complete the order with Sezzle, we recommend reaching out to the store directly to see if they're able to issue you a refund so that you can place the order again through Sezzle.

Is the charge only slightly more than expected?

If the amount of the charge is only slightly more than you expected it to be, it's likely that there was a fee* added to your payment. You can find more information about the payment amount by logging into your Sezzle account and reviewing the order. You can also read more about fees here.

Is the charge $20-$40 more than expected, and charged separately?

If you see two charges on your account, typically on the same day, and one looks like your regular payment amount but the other isn't an expected payment amount, you've likely been charged an overdraft or NSF fee by your financial institution. While the amounts of these fees can vary based on your financial institution, they're typically between $20-$40 each, with $35 being a common amount. If you have questions about why you were charged this fee, please reach out to your financial institution directly - they'll be able to best explain why the fee was charged to your account and provide any recommendations to avoid the fee in the future.

It's some other issue.

If for some reason those steps don't help clarify the amount you've been charged, please use the "Submit a Request" button at the top of the page to get in touch with our team. If you are able to add screenshots of the charges you're seeing (be sure to hide any personal information!), that will often help us best diagnose the problem.

*Fees may not be applicable to shoppers in certain regions— please review our user agreement for more information. Where imposed, fee amounts are determined by individual state regulations and will reflect accordingly on your Sezzle account upon reschedule or failed payment.

I don't recognize an order on my account?

Due to how Sezzle checkouts work, there isn't a way for an order to be placed without access to either your phone itself or your Sezzle account. Because of that, it's very unlikely an order on your Sezzle account was not placed by you. It’s not uncommon for merchants to use a different name than what is listed on their website, so occasionally you may have orders on your Sezzle account that do not appear to be from a familiar merchant.

If you see an order on your account that you don't recognize, we recommend checking your email for order confirmations from around the same date — it's very likely you will have a confirmation for a purchase matching the exact dollar amount. You may even want to do a quick Google search for the merchant associated with the purchase to see if you're able to pull up their website.

In addition, some merchants will split up their orders when it comes time to ship. For example, if you had a $100 order and the merchant was only able to ship $25 of merchandise, they may actually process a new order of $25 and issue a refund for $75, or the rest that they could not ship, to the original $100 order. This can suddenly make it appear as if you have more orders with a merchant than you actually placed, especially since the refunds might not appear immediately. If that's the case, we recommend you reach out to the merchant directly and have them look up all orders under your name so they can clarify the status of your order and any refunds they may be issuing.

If the order you do not recognize was placed with your Sezzle Virtual Card and you believe it to be fraudulent, you can use the "Lock Card" feature to protect your card from any future fraudulent use and report the problem on your Sezzle app. To find out how to do this please visit the FAQ link below.

If you have tried all of the steps outlined below and that did not resolve your concern, feel free to reach out to our team and we would be happy to assist!

Help Article: I want to lock my virtual card and report fraudulent activity.

How secure is Sezzle?

Security is critically important to us here at Sezzle. We undergo quarterly audits for Payment Card Industry (PCI) compliance to ensure all the data you provide as well as the data associated with your orders is safe. PCI compliance is the industry-standard method of gauging security, and we are currently certified up to Level 1, which is the highest level attainable.

If you have additional questions regarding Sezzle's security, we have included a few resources below that may be useful.

Resources:

PCI Compliance and Sezzle

Sezzle Privacy Policy 

Sezzle User Agreement