Sezzle
Minneapolis, Minnesota, USA
What it is
Sezzle is a buy now, pay later platform offering consumer installment options and checkout services for merchants. Pay in 4 divides a purchase into four payments over six weeks, while Pay in 5 uses five payments over eight weeks. Approved shoppers can use Pay Monthly to spread larger purchases over three to 48 months. The app supports online and in-store shopping, and Sezzle says shoppers can pay later anywhere Visa is accepted. Rewards are described for arcade games, gas, and dining, with points redeemable for gift cards. Shoppers may opt in to Sezzle Up to have payment activity reported toward building credit history, though score changes are not guaranteed. Merchant integrations include Shopify, WooCommerce, BigCommerce, Magento, Salesforce Commerce Cloud, and Wix; merchants on other platforms can apply to use the public API. Merchant processing rates depend on the store and are provided after signup. Merchants with less than $300 USD in order volume during a 30-day period may be charged a $15 monthly minimum account management fee. Sezzle lists consumer availability in the United States and Canada and offers Android, iOS, and web access, plus an API.
For and against
For
- Pay in 4 and Pay in 5 installment options.
- Approved shoppers can split purchases over three to 48 months.
- Offers online and in-store shopping.
- Merchant integrations include Shopify, WooCommerce, and Wix.
- Provides shopper and merchant FAQ and contact support.
Against
- Merchant processing rates are provided after signup.
- A $15 monthly minimum may apply below $300 USD order volume.
- Not currently compatible with Facebook, GoDaddy, or Weebly.
- Sezzle Anywhere is for U.S. shoppers only.
The verdict
Sezzle combines consumer installment payment options with merchant checkout integrations and an API application path. Shoppers should review the payment terms, while merchants should confirm their rate and whether the monthly minimum applies.
Who it suits
It suits shoppers in the United States or Canada looking for installment payment options, and merchants seeking checkout integrations. Shoppers considering credit-history reporting should note that score changes are not guaranteed.
Plans and prices
Sezzle Premium
Subscription; includes access to Premium in-app brands and priority support
Read 29 Sep 2026 · legal.sezzle.com
Sezzle Anywhere
Subscription; virtual card for Pay in 4 or Pay in 5 at participating merchants; U.S. shoppers only
Read 29 Sep 2026 · legal.sezzle.com
Sezzle merchant platform
Order processing fee is a percentage plus a per-order fee; rate is provided after application approval · $15 monthly minimum fee if monthly order volume is below $300 USD · refund fee may apply to card-funded refunds
Read 29 Sep 2026 · merchant-help.sezzle.com
On the record
- API
- Sezzle offers a public API for merchants using platforms that do not have a listed integration, subject to application approval.merchant-help.sezzle.com · read 29 Sep 2026
- Company
- Sezzle is headquartered in Minneapolis, Minnesota, and was founded in 2016.sezzle.com · read 29 Sep 2026
- Credit history
- Shoppers can opt in to Sezzle Up to have payment activity reported to build credit history; score changes are not guaranteed.sezzle.com · read 29 Sep 2026
- Integrations
- Merchant integrations include Shopify, WooCommerce, BigCommerce, Magento, Salesforce Commerce Cloud, Wix, and other listed platforms.merchant-help.sezzle.com · read 29 Sep 2026
- Limitations
- Sezzle’s merchant support page says it is not currently compatible with Facebook, GoDaddy, or Weebly.merchant-help.sezzle.com · read 29 Sep 2026
- Merchant minimum
- Merchants processing less than $300 USD in order volume in a 30-day period may be charged a $15 monthly minimum account management fee.merchant-help.sezzle.com · read 29 Sep 2026
- Merchant pricing
- Sezzle says it has no sign-up or setup costs, while the merchant processing rate depends on the store and is provided after signup.merchant-help.sezzle.com · read 29 Sep 2026
- Pay in 4
- Pay in 4 splits a purchase into four payments over six weeks.sezzle.com · read 29 Sep 2026
- Pay in 5
- Pay in 5 splits a purchase into five payments over eight weeks.sezzle.com · read 29 Sep 2026
- Pay monthly
- Pay Monthly lets approved shoppers split larger purchases over three to 48 months.sezzle.com · read 29 Sep 2026
- Product
- Sezzle is a buy now, pay later payments platform offering installment payment options to consumers and checkout services to merchants.trustcenter.sezzle.com · read 29 Sep 2026
- Rewards
- Sezzle describes rewards for arcade games, gas, and dining, with points redeemable for gift cards.sezzle.com · read 29 Sep 2026
- Security
- Sezzle states it is a PCI DSS Level 1 certified service provider, with an independently assessed security program.my.sezzle.com · read 29 Sep 2026
- Shopping
- The Sezzle app offers online and in-store shopping, and its homepage says shoppers can pay later anywhere Visa is accepted.sezzle.com · read 29 Sep 2026
- Support
- Sezzle provides shopper and merchant support through FAQ pages and a contact support option.sezzle.com · read 29 Sep 2026
