Frequently Asked Questions.

Sezzle is a payment solution that enables you to “Shop Now and Pay Later” with simple interest-free installment plans. We break 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, the merchant ships your product immediately. You get to enjoy the item before you finish paying for it!

Sezzle automates the repayments from your bank account, debit card or credit card on file. Shoppers always have the option of paying off their purchase early by signing into their User Dashboard.

There are two ways to sign up for Sezzle:

1. Create a Sezzle account in just a few steps by clicking here.

2. Select Sezzle as your payment method while checking out with any Sezzle online merchant partner. You can see a list of our participating merchant partners by visiting our Store Directory (coming soon).

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 number and email address
• Have an active U.S. bank account

For a list of stores that accept Sezzle, visit our Store Directory (coming soon). We are busy adding new retailers as you read this FAQ, so check back often.

If you’d like to see Sezzle available at other stores, tag us in their latest Instagram post (“Please add @sezzle!”) and we’ll get on the case. That will also let the retailer know you want to see us in their store.

If you don't use Instagram, try Facebook, or even emailing. Your store just needs to know you'd like to see us. Your opinion matters!

Yes. We want to give you the opportunity to build your credit history as you repay your Sezzle installment plans. If you miss payments with Sezzle, we will report this to the credit bureaus as well.

It’s fast and easy. Simply select Sezzle as your payment method during checkout. You’ll be asked to provide some basic information about yourself. We will secure the checkout using a one-time password that is sent via SMS text to the mobile number you provide. You will then be asked to select and login to your bank as the final step in our checkout. The entire process should take under 2 minutes for first time Sezzle users. Our secure checkout takes a few seconds to complete for our regular users.

While we strive to offer all applicants an installment plan with Sezzle, we simply aren’t able to approve every application. If we aren’t able to approve your application, we will immediately notify you of our decision.

We believe security is critically important. We undergo quarterly audits for Payment Card Industry (PCI) compliance to ensure that your data is safely stored in our systems. We are currently certified up to PCI DSS Level 4.

Your mobile number is essentially the username for your account. If you end up changing mobile phone numbers, please contact us directly at (651) 504-5294 so that we can verify the change and update your account.

We will email and text you before any payments are due to help ensure you’re set up to make your payment. However, if you need to update your bank account or card on file, you can log into your Sezzle account and update your payment options in the billing section.

We would be very sad to see you leave us, and of course we’d love to know why. But we try to make these processes easy for you. Simply log into your account and navigate to your profile. There you will see the option to close your account.

We allow you to change your email address in your customer dashboard. Simply log into your account and navigate to your profile. There you will see your current email on file. We allow you to update this email address, but you must verify ownership of the email address to complete the change.

When a shopper creates an account with Sezzle, we go through rigorous steps to ensure your security. We send verification codes to your phone and email address to ensure your ownership and possession of those accounts. You must also add a PIN to your account as an added measure of security. Security experts call this “2-factor” or “Multi Factor Authentication,” and it is an industry best practice.

When you shop with us, we can recognize the device you’re using by leveraging cookies and other technologies. If we see you shopping with a recognized device, we simplify our security by only asking for your PIN. If you are using a new device, we’ll text you to ensure you’re the one doing the shopping. Simple and secure.

Our sign-in forms all have a link to reset your PIN. To start the reset process we text the mobile phone number you have on file. Once you receive the verification code and enter it, we ask you to sign into the bank account you have on file with us.

If these steps are problematic, please contact us at (651) 504-5294 and we can walk you through an alternate identification process.

If you believe your order should have already arrived, you will need to contact the store directly. Sezzle does not handle shipping or order fulfillment, nor do we have any role in the delivery process.

Additionally, Sezzle is not able to adjust or change the order once it has completed. All changes must be handled directly with the store. Contact information for each store should be included in your emailed Sezzle purchase receipt, or you can visit the store website directly to find other communication options.

We recommend that you allow the store 24 to 48 hours to respond to your inquiry.

In some cases, like an ‘out-of-stock’ order, the merchant will be unable to send your order. The merchant will notify you directly and refund the purchase through Sezzle.

We will be notified by the merchant and we will make the necessary refund back to you. We will also end the installment plan for this purchase, so the changes are reflected properly in your Sezzle account.

We recommend you contact the store directly. We do give you the option to raise a dispute with the merchant via your Sezzle customer dashboard. This dispute system currently serves as a communication channel between you and the merchant. At this time, however, Sezzle does not participate in the dispute resolution process.

If the store does refund all or a portion of your purchase, they will notify Sezzle, and we will return the necessary funds to you or reduce future installment payments.

Please allow 24 to 48 hours for stores to reply to your communications.

Before we can make updates to your installment schedule we have to be notified by the merchant that the refund has been accepted.

We work closely with shops to ensure that this happens as quickly as possible. All payments made to Sezzle will be refunded to you as soon as we are notified of the return by the retailer.

To determine the status of your return, please contact the store directly. Their contact information can be found on their website or on your Sezzle purchase receipt email.

Once the refund is processed by the merchant and notifies Sezzle, the changes to your installment plan are automatically applied, including any refunds due to you.

Returns are always subject to the retailer’s returns policy and Sezzle has no impact or influence on the return or refund decision. In some cases, a retailer may allow a partial return or refund. In those cases we handle the changes in the following manner:

The first step is waiting for notification from the retailer. As soon as the retailer accepts the partial refund or return and notifies Sezzle of the change, we apply them.

All partial refunds are applied to the installments furthest in the future, first. If the refunded amount is greater than the amount of the purchase that is outstanding, Sezzle will apply a refund to the method used to pay the installments. Please allow up to five (5) business days for your refund to appear on your statement.

If the refund amount is less than the amount outstanding we will remove or reduce your future installments. For example, let’s say you make a $200 Sezzle purchase (ie 4 installments of $50). You have three (3) installments remaining, and you received a $70 refund. We’ll remove your 4th installment and reduce your 3rd installment by $20 (now $30).

Your new installment schedule would be a future $50 installment and a subsequent $30 installment, which would lead to a total payment amount of $130, matching your purchase minus the partial refund.

Please note that you are liable for all installments until Sezzle receives notice from the retailer of the partial refund.

Yes! We encourage our shoppers to pay off their account early, if possible. We include the option to pay off your installment plan in total in every email reminder we send.

Your first 25% installment begins on the purchase date. This will be clearly communicated at the time of your purchase. Subsequent payments will occur every two (2) weeks, and your repayment is complete after six (6) weeks.

If you have not successfully made a payment before the due date and the automatic payment fails to complete, you have until 4pm PST the following day to complete the payment without receiving our failed payment fee of $10.

We will remind you before the payment is due with text and email alerts, and we will allow you to reschedule your payment or pay off your payment with a debit or credit card (a 3% card fee will apply to all credit cards and some debit card payments).

If you have more questions about failed payment fees or rescheduling your payment, please contact us at (651) 504-5294.

Yes. In our reminder email we allow you to reschedule payments. The first reschedule is always free, but subsequent rescheduling will cost $5. Rescheduling a payment is limited to a date within the next 2 weeks.

If you don’t pay, you’ll receive reminders from us, and you will be charged a late fee of $10. We will also report information about your repayment activity to credit bureaus. We encourage you to make your payments on time because missed payments can have a negative impact on your credit score and ability to use Sezzle in the future.