Payment solutions built to support your business at every stage.
Explore BAMS 
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.
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.
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.
Sezzle runs fraud checks on their end, saving merchants from the hassle of expensive third-party checks.
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.
Sezzle’s Buy Now, Pay Later services offer a faster, more convenient way to access financing.
Two ways to check out, shown step by step.
Illustrative screenshots; options can vary. Source: Sezzle How It Works (opens in a new tab)
Receive payment up front while customers choose the payment option that works for them.
Give customers more flexibility at checkout to support larger purchases.
Offer another way to pay when customers are ready to complete their purchase.
Meet customers where they are financially with Sezzle’s suite of Buy Now, Pay Later options that empower shoppers to choose the flexible financing that works for them. Trusted by shoppers, brands and experts alike, Sezzle brings payment flexibility for customers and increased conversion for businesses.
Via Sezzle.com. Based on new customers, transaction approval rate and AOV.
At checkout, both online and in stores at thousands of retailers, customers can choose Sezzle as an alternative payment method that allows them to receive their product up front and pay in interest-free payments or monthly installments.
Give customers more flexibility at checkout, online and in-store. Let them pay with interest-free payments, or monthly installments up to 24 months.
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.
Flexible payment choices can help merchants serve shoppers with different budgets and credit histories. Sezzle combines payment flexibility with a focus on accessibility and financial empowerment. Available features remain subject to eligibility and current program terms.
Sources: Sezzle merchant presentation, June 2025, slides 3 and 6–11; Forrester study, February 2023, pages 6–9.
Sezzle’s consumer-facing channels can introduce shoppers to participating merchants. Interviewees described product features and campaigns that brought additional traffic to their websites. Being featured is not guaranteed, so discuss available opportunities with BAMS. Ask which channels, placement opportunities and campaign requirements are available for your business before committing time or budget.
Study participants reported working with Sezzle on planning and ongoing coordination. Successful campaigns still require merchant effort, including product selection, messaging, creative review and clear ownership of the launch.
Before launch, test how Sezzle appears in your checkout and how staff explain the available choices. Forrester’s interviewees described integration as straightforward, but still allocated time to testing, coordination and ongoing support.
Forrester’s February 2023 Total Economic Impact™ study, commissioned by Sezzle, combined interviews with six representatives from four organizations into a composite merchant model.
The model evaluated benefits, transaction fees and merchant labor over three years—not expected results for every merchant.
Included CostsTransaction Fees And Merchant Labor
InfluencesMarketing Participation And Customer Mix
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 eCommerce platforms like Shopify, WooCommerce, BigCommerce and more. With just a few clicks, you can enable Sezzle as a checkout option, with no complicated coding required. Your customers will see Sezzle at checkout and can start using it immediately.
The page cites a finding that 40% of BNPL users abandon carts if Sezzle is not an option. Sezzle can be offered as an alternative method at checkout. Explore BAMS eCommerce merchant accounts and its cart abandonment guide for broader online checkout context.
Yes. The page says customers can choose Sezzle at checkout both online and in stores at thousands of retailers. BAMS has more information about its payment solutions and eCommerce payment processing for merchants planning their checkout setup.
Sezzle is described as an alternative payment method at checkout. The page does not list every combination of payment methods a merchant can offer, so confirm your setup with BAMS. See payment integrations and the digital wallet guide for broader checkout context.
The page lists Pay in 4, Pay in 2 and Monthly. Pay in 4 is described as a 0% interest option, Pay in 2 as no interest and Monthly as subject to approval. Availability depends on purchase amount, merchant and state. BAMS also covers payment gateways and transparent checkout choices for online merchants.
No. The page describes Pay in 4 as a 0% interest option but its loan example includes a $7.49 Service Fee and a 45.0% APR. Service fees can range from $0 to $7.49 and actual fees appear at checkout. See BAMS merchant account pricing for separate merchant costs and its checkout pricing guide for guidance on presenting costs clearly.
1 Forrester Total Economic Impact Study Commissioned by Sezzle, February 2023.
2 Survey hosted on Sezzle App Q1 2025, 8700 respondents, users could choose more than one BNPL.
3 PYMNTS Credit Accessibility Research, June 2023.
Learn the value of Buy Now Pay Later today
