What is Sezzle?

What is Sezzle?

Sezzle is a ‘buy now, pay later’ online payment service for customers. It allows you to buy what you want and pay for it in 4 interest-free payments over 6 weeks. There are No fees if you pay on time.


Why would I use it?

Use Sezzle to buy what you want right now, have it shipped out as usual, and spread the cost of your purchases out over time, without paying any interest.


Who can use Sezzle?

  • You may be approved to use Sezzle if:
  • You reside in Canada or the United states
  • You are 18 years or older, have a valid phone number and debit/credit card or a linked bank account
  • You have at least 25% of the total order value available on your method of payment at the time of purchase

HOW DOES SEZZLE WORK?

Simply add items to your shopping cart on our website and when you are ready to checkout, choose Sezzle as your payment option.  You will be redirected to the easy no credit check application. Once you are approved it will redirect you to finish checkout. Applying is so easy you can do it from your mobile device!


 DOES SEZZLE CHARGE INTEREST OR FEES?

Sezzle is completely interest-free for shoppers.  TEM as the merchant pays a fee for each transaction so that you can easily shop now and pay later.  The only fees you could potentially incur are failed payment fees and late payment fees. If your scheduled payment fails to process, you will be charged a $10 USD failed payment fee.  Sezzle does their best to prevent this from happening by sending you emails and text reminders! Rescheduled payments  will incur a $5 USD late payment fee.  Please note that TEM does not charge any additional fees and cannot take responsibility for any missed or late payment charges incurred through Sezzle.  It is the customer’s responsibility to ensure funds are available before the withdrawal date.


WILL SEZZLE CHECK MY CREDIT OR AFFECT MY CREDIT SCORE?

Sezzle will pull your credit score as part of their risk check. Don’t worry, this check won't have a negative impact on your credit score, this is considered a ‘soft check of credit. They use your credit information to help approve you for Sezzle, verify your identity and reduce fraud.

 

WHAT IS THE SEZZLE APPLICATION PROCESS LIKE?

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. Sezzle 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 checkout. The entire process should take about 2 minutes for first-time Sezzle users. Sezzle’s secure checkout takes a few seconds to complete for regular users.


CHECKING OUT IN CAD?

If you are paying in CAD your cart total may appear in USD but the total Sezzle charge will be processed in Canadian dollars. Sezzle processes payment in the home currency of your payment method.


Account Information

WHAT ARE MY PAYMENT OPTIONS WITH SEZZLE?

Sezzle accepts Debit/Credit cards and ACH payments from connected bank accounts. pre-paid, mail-order and payments over the phone are not accepted.


MY FIRST SEZZLE PURCHASE WAS NOT APPROVED, WHY?

Sezzle’s goal is to help you spend responsibility so the occasional transaction may be declined. There are multiple reasons for a decline including low or no available balance on the payment method or outstanding balances with Sezzle, to name just a few.  TEM does not have access to your Sezzle account information, any inquiries related to your Sezzle account should be directed to shoppersupport@sezzle.com


DOES SEZZLE TAKE OUT MY PAYMENTS AUTOMATICALLY?

Yes, automatic payments are set up through your Sezzle account. This means your installment is collected on the scheduled due date from your preferred payment method. Note: Bank payments can take 1-3 business days to process, so it is important to maintain your installment amount until the payment has been processed


CAN I MAKE A PAYMENT EARLY?

Absolutely! Log into your account on Sezzle.com and go to your Dashboard. Click “manage order” and then “Pay Now”.


WHEN WILL MY FIRST PAYMENT BE TAKEN?

Your first payment will be taken at the time of order. However, if you are paying with your connected bank account, it can take up to 3 days to process. Please ensure you have the minimum payment amount in your account until the payment has cleared to avoid penaltIes


WHAT HAPPENS IF I CAN’T MAKE A PAYMENT?

Sezzle is committed to financially empowering you! Sezzle wants to help keep you on track, as Sezzle doesn’t like to chase you for a missed payment. Because of this, Sezzle likes to send lots of payment reminders, and also is why they assess repayment before they approve you for a purchase. If you still have issues making a payment or have fallen on hard times, please reach out to Sezzle’s support. You can reach them at support@sezzle.com


WHAT HAPPENS IF I MISS A PAYMENT?

If you don’t pay, you’ll receive reminders from Sezzle, and you will be charged a late fee of $10 USD. We encourage you to make your payments on time because missed payments can have a negative impact on your limits with Sezzle and your ability to use Sezzle in the future and possibly your credit report. 


CAN I RESCHEDULE MY PAYMENT DATE?

Yes. In your Sezzle reminder email, they allow you to reschedule payments. Rescheduling a payment will incur a $5 USD reschedule fee. Rescheduling a payment is limited to a date within the next 13 days. In order to guarantee your ability to reschedule your payment, you must reschedule your payment on the day prior to the payment date. The ability to reschedule your payment on the due date cannot be guaranteed due to variable processing times.


IF I HAVE AN ISSUE OR DISPUTE WITH SEZZLE. WHAT DO I DO?

Disputes with Sezzle regarding the Sezzle Services may be reported to Sezzle directly at  support@sezzle.com or by calling  +1 (888) 540-1867 from 9 AM to 6 PM EST. Also, should you feel any information in your account is incorrect, please contact them immediately.