Sezzle is a buy now, pay later platform with installment options for shoppers and checkout services for merchants. Pay in 4 divides a purchase into four payments over six weeks; Pay in 5 uses five payments over eight weeks. Approved shoppers can use Pay Monthly to split larger purchases over three to 48 months. The app offers online and in-store shopping, and Sezzle says shoppers can pay later anywhere Visa is accepted. It describes rewards linked to 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. Merchants can connect through integrations including Shopify, WooCommerce, BigCommerce, Magento, Salesforce Commerce Cloud, and Wix, or apply to use the public API. Merchant processing rates are provided after signup. A merchant processing under $300 USD in order volume during a 30-day period may be charged a $15 monthly minimum account management fee. Consumer regions listed are the United States and Canada. Sezzle offers a free plan and paid subscriptions, including Premium at 13.99 USD per month and Anywhere at 19.99 USD per month.
Who it is for
Sezzle may suit shoppers in the United States or Canada seeking installment payment options, and merchants seeking checkout services. Merchants should check platform compatibility and their processing terms before applying.
What is good
- Pay in 4 spans six weeks
- Pay in 5 spans eight weeks
- Pay Monthly offers terms from three to 48 months
- Integrates with several named commerce platforms
- Public API available by application
What to know first
- Merchant processing rate is provided after signup
- Low merchant volume may incur a $15 monthly minimum fee
- Not compatible with Facebook, GoDaddy, or Weebly
- Score changes from Sezzle Up are not guaranteed
Verdict
Sezzle offers several installment schedules for shoppers and a range of checkout integration options for merchants. Merchant rates depend on the store, and low order volume may bring a monthly minimum fee.
Get started with Sezzle
- Visit the Sezzle website.
- For shopping, use the Sezzle app on Android or iOS, or access Sezzle on the web.
- Choose an available shopper payment option at checkout.
- For merchant checkout, connect through a listed commerce integration.
- For other platforms, apply for public API access; approval is required.
Limits to know first
Sezzle merchants may be charged a $15 monthly minimum account management fee when order volume is below $300 USD during a 30-day period. Pay Monthly is for approved shoppers, and Sezzle Anywhere is for U.S. shoppers only.
Questions about Sezzle
Is Sezzle free for shoppers?
Sezzle lists a free plan and pricing on request. Sezzle Premium costs 13.99 USD per month, billed monthly, and Sezzle Anywhere costs 19.99 USD per month, billed monthly.
What payment schedules does Sezzle offer?
Pay in 4 uses a 25% down payment and three payments every two weeks over six weeks. Pay in 5 runs over eight weeks, while approved shoppers can use Pay Monthly for three to 48 months.
Which devices and regions does Sezzle support?
Platforms include Android, iOS, web, and API. Consumer regions listed are the United States and Canada.
Which commerce platforms integrate with Sezzle?
Listed platforms include Shopify, Shopify Plus, WooCommerce, Commercold, BigCommerce, Magento, Salesforce, and Wix. Merchants on other platforms can apply for public API access, subject to approval.
What does Sezzle charge merchants?
There are no sign-up or setup costs. The processing rate depends on the store and is provided after signup; a $15 monthly minimum account management fee may apply below $300 USD in 30-day order volume.
Can Sezzle help build credit history?
Shoppers can opt in to Sezzle Up to have payment activity reported toward building credit history. Credit score changes are not guaranteed.
Sezzle plans and pricing
All plansCompared on buy now, pay later platforms
- Free plan
- Yes
- Checkout channels
- omnichannel
- Repayment terms
- Pay in 4: 25% down payment plus three payments every two weeks over six weeks; other options may run from 3 to 48 months
- Merchant platforms
- Shopify, Shopify Plus, WooCommerce, Commercold, BigCommerce, Magento, Salesforce, Wix
- Merchant settlement
- scheduled
- Consumer regions
- United States and Canada
- Merchant dashboard
- Yes
