Sezzle is a buy now, pay later platform serving shoppers and merchants with installment payments and checkout services. Pay in 4 divides a purchase into four payments over six weeks; Pay in 5 spreads it across five payments over eight weeks. Approved shoppers can use Pay Monthly to split 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. Its rewards include arcade games, gas and dining, with points redeemable for gift cards. Shoppers can opt into Sezzle Up to have payment activity reported toward building credit history, although score changes are not guaranteed. Merchants can connect through platforms including Shopify, WooCommerce, BigCommerce, Magento, Salesforce Commerce Cloud and Wix, or apply to use the public API. Processing rates depend on the store and are shared after signup. Merchants with less than $300 USD in 30-day order volume may incur a $15 monthly minimum account management fee. Consumer regions listed are the United States and Canada. Sezzle lists a free plan; Premium costs 13.99 USD per month, and Anywhere costs 19.99 USD per month for U.S. shoppers.
Who it is for
Sezzle suits shoppers in the United States and Canada who want installment payment options, and merchants seeking checkout services through supported commerce platforms. Its Pay Monthly option is for approved shoppers.
What is good
- Offers Pay in 4 and Pay in 5 installments
- Pay Monthly terms run from three to 48 months
- Merchants can apply to use a public API
- Supports online and in-store shopping
What to know first
- Merchant processing rates are provided after signup
- Low-volume merchants may face a $15 monthly minimum fee
- Sezzle Up does not guarantee score changes
Verdict
Sezzle offers several installment schedules for shoppers and multiple integration routes for merchants. Merchants should confirm their rate and whether their platform is compatible before signing up.
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
