How Sezzle Works
WHAT IS SEZZLE?
Sezzle is a payment solution that gives you the freedom to buy now and pay later – with no interest! When you complete a purchase with Sezzle, the merchant will process your order just like you paid in full, but you will have only paid a fraction of the cost.
HOW DOES SEZZLE WORK?
Sezzle is a payment solution that empowers you to “Buy Now and Pay Later” with simple, interest-free installment plans.
We break down the total cost of your purchase into smaller payments, spread over at least six weeks. As little as 25% is due at the time of the purchase, with the remaining amount spread out over equal installments (typically three), each two weeks apart.
No interest or processing fees are charged to you – as long as you pay everything off on time, you only pay for what you ordered!
Once you’re ready to check out, select Sezzle as a payment method. If you’re a returning shopper, you’ll just need to log in. If you’re a new shopper, we’ll walk you step-by-step through creating an account and linking a payment method.
After you’re approved and you complete checkout, the merchant will ship your products just like they would with any other payment method.
You will be notified at checkout what sort of payment plan you’re approved for, including how much is due upfront and when the next payments are due. We’ll charge the first installment amount the day that you place your order, and the rest will be automatically scheduled. Don’t worry – we’ll send you text and email reminders, so there aren’t any surprises!
WHO CAN USE SEZZLE?
To use Sezzle, you must be 18 years or older* and have a valid phone number based out of either the United States or Canada.
You will also need to have an email address as well as a payment method ready at checkout – we accept all major debit and credit cards, and you can also link a bank account directly. At this time, prepaid cards are not able to be used to place orders, but you can use them to pay off existing orders.
*You must be 19 years or older in Alabama, or if you are a ward of the state and live in Nebraska.
HOW DO I SIGN UP FOR SEZZLE?
You can either sign up and get your account set up directly through the Sezzle website, or you can sign up as you check out at a merchant’s site! Either option will walk you through the same signup process.
To get signed up, you will need to have a working phone number based out of the US or Canada, as well as a payment method (debit/credit card or bank account) to link to your account.
WHEN DO I MAKE MY FIRST PAYMENT?
We collect your first payment when you place the order with the merchant. You’re always notified of the amount upfront, which could be as little as 25% of your total order cost.
The remaining payments will be spread out over your repayment schedule – you can always view the dates and amounts by logging into your Sezzle Shopper Dashboard, which you can access by clicking here.
SEZZLE SAYS THE PAYMENTS ARE INTEREST-FREE. WHAT’S THE CATCH?
No catch here! Sezzle is completely interest-free for shoppers because we’re committed to financially empowering the next generation.
Merchants pay us a fee, so you have the freedom to buy now and pay later. As long as you pay your installments on time, you’ll only pay for what you ordered—free from interest and processing fees!
We understand that life can throw some curveballs – so if you can’t make a payment on an order, we even let you reschedule a payment for free. If you need to make further reschedules, each one will be assessed a $5 fee.
If a payment does fail, usually due to a card being canceled or there not being enough funds available in your account at the time, a $10 failed payment fee will be added on to that payment. This is separate from any overdraft fees your bank may charge you. We do send you text and email notifications to make sure you’re never surprised, and if you get the failed payment resolved within 48 hours of it failing, we’ll even waive that fee.
Once a fee has been paid, there is no way to reverse it.
DOES SEZZLE PERFORM A CREDIT CHECK?
Nope! We complete what’s known as a “soft check,” which means we take a look at your credit score as part of our risk check, but this doesn’t have an impact on your credit score. We use this information to help verify your identity, minimize fraud risk, and approve you for Sezzle!
DOES SEZZLE REPORT TO CREDIT BUREAUS?
We hope to provide this in the future, but right now, we don’t report to a credit bureau. Keep checking this page for updates about this offering.
WHAT IS THE CHECKOUT PROCESS LIKE WITH SEZZLE?
Checking out with Sezzle is fast and easy. Here’s how it works:
- Select Sezzle at checkout.
- Log into your account. Or, create an account and add your payment method.
- Keep your phone nearby! We’ll send a one-time password to your mobile phone to help you check out securely.
- Understand your order. Once approved, you’ll see a breakdown of your order, including how much is due upfront and how much is due with each future payment.
Complete the rest of the checkout process as normal. You’ll receive an email from Sezzle confirming your order. If you have questions about your order, or you want to check on payment amounts and due dates, simply log into your Sezzle dashboard.
WHY WASN’T MY PURCHASE WITH SEZZLE APPROVED?
We try to offer all applicants a simple payment plan through Sezzle, but unfortunately, we’re not always able to approve every order. Our system assesses every order individually, taking into account your available funds, outstanding orders, and the total cost of the order you’re trying to place. If you’re not approved for any reason, we’ll notify you right away.
Here are a few reasons you may have been denied:
- Insufficient funds. Typically, we check to make sure you have at least 25% of the total order cost available at the time you place an order.
- Too new to Sezzle. The longer you use Sezzle, the better your chances of getting approved. Usually, we’re less restrictive after the first six weeks.
- Outstanding balance(s). The amount you owe on previous orders and the number of open orders on your account both impact your chances of being approved by Sezzle. Paying off your outstanding balances can improve your chances of getting approved.
- Order value. Reducing the total cost of your order, or splitting it into two or three smaller transactions, can improve your chances of getting approved.
- Payments linked to your account. Adding another debit or credit card to your Sezzle account helps us understand your repayment ability, which can help get you approved.
Keep in mind: Just because you’re not approved today, doesn’t mean you won’t be tomorrow. Every order is unique – so keep using Sezzle!
IS SEZZLE SECURE?
Your security is of utmost importance to us, which is why we undergo quarterly scans and yearly audits to ensure your data is safely stored in our systems – and to maintain compliance at the highest level in the Payment Card Industry (PCI): PCI Level 1.
I NEED TO TALK TO SOMEONE. WHAT’S YOUR CONTACT INFO?
For help, contact our support team online, or call us at +1-888-540-1867. We’re available from 8:30 a.m. to – 5:00 p.m. CST, M-F.
I WOULD LIKE TO MAKE A COMPLAINT.
We’re sorry to hear it! If you have a complaint about the item you received—it’s the wrong color, arrived late, etc.—please reach out to the merchant directly. Their contact information can be found at the bottom of your Sezzle purchase receipt, sent to the email address we have on file.
If your complaint is specific to Sezzle, please email email@example.com.
You only pay the purchase price with Sezzle if you make payments on time.
We ship your order just like we normally would if you paid right away.
Sezzle splits your purchase into 4 payments, automatically deducted from your bank account every two weeks.
You'll go through Sezzle's 1-minute sign up process without having to leave checkout. Simply select sezzle when you're ready to check out to get started.
To learn more about Sezzle, click here.