Buy Now, Pay Later Services For Merchants
Increase your business’s sales, average order value, reduce cart abandonment, and get paid up front — all at no risk to your business — with Buy Now, Pay Later for Merchants.
How Do Buy Now, Pay Later Services Work?
Buy Now, Pay Later Merchant Benefits
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ADDITIONAL CUSTOMERS
Customers are more likely to get approved for BNPL transactions through Sezzle because they allow customers with low or no credit to be approved. Based on an internal survey of 8,700 respondents, 52% reported being declined by other BNPLs2.
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ABANDONED CARTS DECREASE
Not only are transactions made through Sezzle approved more often than other payment services, but 40% of BNPL users abandon carts if Sezzle is not an option3.
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AVOID COST OF FRAUD CHECKS
Sezzle runs fraud checks on their end, saving merchants from the hassle of expensive third-party checks.
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REDUCE RISK OF NON-PAYMENT
Sezzle pays merchants the full order of the cost up front, absorbing the risk of any non-payment and allowing businesses even more control over their inventory.
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IMPROVED CUSTOMER EXPERIENCE
Sezzle’s Buy Now, Pay Later services offer a faster, more convenient way to access financing.
Buy Now, Pay Later Repayment Options
These payment options depend on the purchase amount, vary by merchant, and may not be available in all states.
Pay later loans are originated by WebBank or Sezzle. Refer to your loan agreement for lender information. For example, for a $300 loan Pay in 4, you would make one $75 down payment today, then three $75 payments every two weeks for a 45.0% annual percentage rate (APR) and a total of payments of $307.49 which includes a $7.49 Service Fee (finance charge) charged at loan origination.
Service fees vary and can range from $0 to $7.49 depending on the purchase price and Sezzle product. Actual fees are reflected in checkout.
Frequently Asked Questions
Buy Now, Pay Later (BNPL) is a flexible payment option that lets customers split their purchase into smaller, interest-free installments instead of paying in full at checkout. With Sezzle, shoppers have several purchase options to spread out their payments. This helps them budget better without having to compromise on their interests, and while your business gets paid in full right away!
Your revenue is protected. Sezzle pays your business upfront for every order, regardless of whether customers complete their installments. If a shopper misses a payment, Sezzle handles the collections process — not you. That means you increase sales without taking on any risk.
Most businesses that sell consumer goods and services are eligible. Whether you run an online store, a brick-and-mortar shop, or both, Sezzle can integrate with your sales channels. Approval is quick, and you’ll know right away if your business qualifies. Our goal is to get you up and running before you miss even one potential customer.
Getting started is easy. You’ll simply apply online, and once approved, you can begin offering BNPL at checkout. The process only takes a few minutes, and our team is here to support you every step of the way.
Sezzle integrates seamlessly with popular e-commerce platforms like Shopify, WooCommerce, BigCommerce, and more. With just a few clicks, you can enable Sezzle as a checkout option — no complicated coding required. Your customers will see Sezzle at checkout and can start using it immediately.
Rated. Reviewed. Trusted.
2 Survey hosted on Sezzle App Q1 2025, 8700 respondents, users could choose more than one BNPL.
3 PYMNTS Credit Accessibility Research, June 2023.
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