# Sezzle Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Sezzle the right Payment Processing solution for you? Explore 54 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/195895/Sezzle/reviews --- Sezzle 4.1 (54) [View alternatives](https://www.capterra.com/p/195895/Sezzle/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated June 3rd, 2026 # Reviews of Sezzle Ease of use 4.1 Customer Service 3.9 ## Pros and Cons in Reviews KP Katelynn P AgentAutomotive, 2 - 10 employeesUsed the software for: 6-12 months. “Everything is secure and protects your information during the transactions.“ September 4, 2025 JC John C EngineerElectrical/Electronic Manufacturing, Self-employedUsed the software for: Less than 6 months. “After the first-time payment you MUST add a bank account or be penalized by being charged almost five dollars each time you need to load money onto the account. If you have chosen a “pay in 4 payments purchase”, the fees add up to almost twenty dollars, for a single purchase. When you close the account, any remaining balance will be forfeited.“ October 18, 2025 AA Alex A Residential staffHealth, Wellness and Fitness, 51 - 200 employeesUsed the software for: I used a free trial. “Love the credit card payment method.“ March 26, 2026 LP Lisa P PhysicianHospital & Health Care, 10,001+ employeesUsed the software for: Less than 6 months. “The whole vacation was ruined because we were only staying 4 days and between finding another hotel and waiting for 3 pm checkin the next day we had only 1 vacation day. “ August 29, 2024 SH Shannel H DispatcherConstruction, 2 - 10 employeesUsed the software for: 1-2 years. “Very simple process, easy to navigate their system, Can use your bank card and very secure system...“ September 23, 2025 LP Lisa P PhysicianHospital & Health Care, 10,001+ employeesUsed the software for: Less than 6 months. “So I tried to remove my atm from their site and it won’t allow you to. “ August 29, 2024 BB Braydon B Small business ownerConsumer Services, Self-employedUsed the software for: 6-12 months. “Their pay in four is very convenient when I need to buy something and want to spread the payments out.“ April 14, 2025 LP Lisa P PhysicianHospital & Health Care, 10,001+ employeesUsed the software for: Less than 6 months. “I paid off a pair of shoes I had bought from them but refuse to pay $500 of which no one has received. “ August 29, 2024 ## Showing most helpful reviews Showing 1-25 of 54 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Melinda P. OWNER Arts and Crafts Used the software for: 1-2 years ### "Easy and quick." August 10, 2021 5.0 Overall sezzle is amazing. So far for as long as I have been using it, it has been a Godsend. I will definitely be recommending this to other people so that they can benefit from this as well. Pros Sezzle is an easy way to obtain the items you want/need on a more budget-friendly scale. I was able to afford to get some things for my home without having to break the bank because sezzle breaks the payments up into 4 smaller payments and takes the payment out of your account automatically. It is exactly how it is described in the ad, buy now pay later. I also love that they do not accrue interest. So basically what they tell you, you owe is what you owe. Cons As much as I love sezzle I wish that they gave you the option to choose when the payment will come out. I get paid on Fridays and sometimes I don't always shop on Fridays. If you shop on Monday but want the payment to be taken out on Friday I think you should be able to choose which day you want it to come out. Review Source SF Sarah F. Owner Retail Used the software for: 1-2 years ### "Super Sezzle" May 19, 2026 5.0 my overall experience with sezzle is amazing, i feel it helped my company grow stronger and customers buy more now. Pros My favorite thing about Sezzle is the fac that my customers can use it to purchase things in payment installments that work best for them. Cons My least favorite thing about sezzle is the customer support and if a customer stops paying their bill, they go to collections and sezzle has to come out of pocket to pay me. Review Source Brady M. Production operator Machinery Used the software for: 6-12 months ### "Would have given a better rating " May 21, 2026 1.0 Pros You quickly got your credit limit increased they were really easy to use till I started having problems with orders getting approved Cons I would have given them a 5 star the reason for one star is because they keep denying me new purchases due to a extended fraud alert which I have submitted all proof from transunion that there is no such alert on file I was a loyal customer had a credit limit of 2000.00 from starting at 400.00 Review Source KP Katelynn P. Agent Automotive Used the software for: 6-12 months ### "I enjoy this system" September 4, 2025 5.0 Very easy to use. There is always support if you can't figure it out to walk you through it. They also help with any issues you may have. Pros The whole pay in payments offers they give it makes people want to purchase things with the ease of paying in easy payments over time. Everything is secure and protects your information during the transactions. Cons I do not really have anything negative to say about it. Everything works and helps me in my everyday task. Review Source AA Alex A. Residential staff Health, Wellness and Fitness Used the software for: I used a free trial ### "Sezzle review " March 26, 2026 4.0 Had a great experience soon as I learned out how to use and function everything I would highly recommend Pros It was good for transferring money super easy to use. Love the credit card payment method. Payment processing. And payment security. Cons Really wasn’t a fan of the customer support and took me a while to get to know how to use everything once I did. It wasn’t bad at all. Review Source JC John C. Engineer Electrical/Electronic Manufacturing Used the software for: Less than 6 months ### "Predatory, contract details" October 18, 2025 1.0 This application allows you to use a debit card to set up your account and make a first-time payment. After the first-time payment you MUST add a bank account or be penalized by being charged almost five dollars each time you need to load money onto the account. If you have chosen a “pay in 4 payments purchase”, the fees add up to almost twenty dollars, for a single purchase. When you close the account, any remaining balance will be forfeited. I had twenty-nine dollars and fifty cents in my balance but was unable to spend it because the minimum virtual card that can be created is thirty-five dollars. It seems a virtual card is the only way to spend the balance of the account. I cut my losses and closed my account and forfeited the remaining money. I think this is a predatory arrangement, please be aware of these details before entering into an arrangement with Sezzle. Pros I thought it would help with building a credit score. Cons Predatory, contract details Review Source CM Cassandra M. Admin Accounting Used the software for: 1-2 years ### "Stupid App" June 4, 2025 1.0 I returned 2 orders so I could receive the refund back to Sezzle and not have to continue making the payments on those 2 orders. Sezzle applied the refund to 2 other orders that wasn’t even due for a while and I end up with failed payments, then late payments and they dropped my spend power all the way down. All because they applied the refunds to the wrong orders. I contacted customer service and they told me its nothing they could do and hung up. Yeah I could have paid those orders somehow but they normally refund the same order back. Pros Pay anywhere option allows you to use the app more. The app is ok to use until you have issues then you on your own. Cons Customer service was terrible. I had failed payments, and late payments and them dropping my spend power when it was their fault. Review Source SH Shannel H. Dispatcher Construction Used the software for: 1-2 years ### "Worth a try " September 23, 2025 4.0 Easy to work with as long as you make an on time payment. They can raise your credit limit at any time. Pros Very simple process, easy to navigate their system, Can use your bank card and very secure system... Cons Customer service is not the best. If you are a day late you are charged, they do allow you to move your payment once. Review Source KC Kevin C. Boss Accounting Used the software for: Less than 6 months ### "DONT USE THEM" April 29, 2025 1.0 Had an issue where i was not the one who placed the order. I asked if they could forgive the fees that weree accrued durring the proces of my conflict with the seller. They refused to help in anyway and now i owe more in fees than the whole item even cost. Do not recomend them in any way shape or form. Pros Logo is neat. Thats about the only good thing about them. Took 6 days to have a conversation with them. I guess they can only send 1 email a day. Cons Non-understanding, unforgiving and very hard to comunicate with. Review Source KW Kylethia W. Unknown Retail Used the software for: 2+ years ### "Confused about this issue " December 20, 2024 2.0 Good at first. But when you have issues it's your loss Pros At the end nothing!! They allow Revenge Body to steal money from me. Sent them pictures of where my home is located. Sent them pictures of where my package was delivered to. Not my door at All.... I have to continue to pay for items I never received. I'll never use them again. Nor will I give Revenge Body fee money Cons They don't have your back in tough situations Review Source TH Travis H. Compliance manager Health, Wellness and Fitness Used the software for: 1-2 years ### "Easy to Use and set up. Works well for our customers." August 16, 2022 5.0 Very satisfied with the product. Easy to integrate and our customers that make use of it seem to like the option. Pros This product was easy to set up on our woocommerce site. Integration was simple. The company provided graphics and it looks great. Very simple for our customers to use and it gives us a nice alternative payment method. Cons We haven't had any features that have bothered us so far. Only hiccup was making sure orders weren't fulfilled before the processing by sezzle was complete, but that was an easy fix. Alternatives considered [Afterpay](https://www.capterra.com/p/229452/Afterpay/) Review Source SA Sheng A. Owner Retail Used the software for: 1-2 years ### "Great for customer referral" May 18, 2021 5.0 Overall, the customer support is excellent. They respond usually within 1 business day and are more than willing to assist you. Pros Being listed in the Sezzle business directory puts me in touch with users all over the United States and Canada. 85%-90% of our customers are Sezzle referrals. Merchants can choose to keep their money in an interest account which earns 3.25% or in a withdrawl account which does not accrue interest but is available for withdrawl in 2-3 business days. Cons Sezzle charges a financing fee of 6%+$0.30 per transaction. This is very high for a small business as it is 3 times the amount we normally pay for processing fees. Reason for choosing Sezzle We were referred by another merchant who was very satisfied with the product. Review Source SS Sol S. COO Cosmetics Used the software for: 2+ years ### "Great service and inexpensive!" December 16, 2021 5.0 Pros Trust for our customer, we see lots of value in this. customers feel very confident in the app Cons Simply amazing. Customers love it. All positive Review Source CJ Christopher J. Ceo Music Used the software for: 1-2 years ### "Helps me get the things want!" December 4, 2023 5.0 Pros I have options to split up my payments in several different ways Cons don't agree with late fees but everybody has one , so Sezzle is great in my book. Review Source JH Johnny H. Production worker Warehousing Used the software for: 2+ years ### "Payment made easy" August 22, 2023 5.0 Pros It help people like me be able to afford the things they need by separating the payments in increments Cons I don’t like that they tax u if u miss a payment Review Source MF Martha F. Sr. Business Lender Banking Used the software for: 1-2 years ### "Great Option for shopping!" June 19, 2021 5.0 It is very easy to set up and use! And being able to split up a payment is easier on my wallet too!! Pros I love that I can go on to some of my favorite stores and pay with sezzle! If I don't remember my debit card I can easily shop with sezzle! Cons The only issue I've every had with this software is when I forgot my password and wasn't able to access my account. I had to call customer service to fix the issue but haven't had any problems with it since. Review Source MF Margarette F. center director Education Management Used the software for: 2+ years ### "Sezzle" March 22, 2022 5.0 Pros Sezzle is very easy to navigate, and gives customers the ease of breaking up payments. This in turn is good for the vendor because it allows people to place bigger orders. Cons I don't think I have any complaints about the use of Sezzle. Review Source CS Chrissy S. Admin Asst Medical Practice Used the software for: 6-12 months ### "Easiest Way to Get What you need on a budget" May 6, 2022 5.0 Pros Ease of use and the many different stores that offer it. Also that there are no interest fees! Cons Have to have 25% down, which is fine because it keeps the other payments low. Review Source BB Braydon B. Small business owner Consumer Services Used the software for: 6-12 months ### "Sezzle new user review " April 14, 2025 5.0 Good experience. I have not used it for long. But every time I have it’s been very helpful Pros Easy to use. Makes shopping easier. Their pay in four is very convenient when I need to buy something and want to spread the payments out. Cons There are lots of adds for products that I don’t need or want. And signing into the app is sometimes a long process. Review Source JS Jennifer S. owner Retail Used the software for: 1-2 years ### "Sezzle is unremarkable!" March 6, 2025 5.0 My overall experience using the platform has been great and fun to use. I love how I'm able to offer the services to millions of customers and the use of prepaid cards is also available. Pros Sezzle integrates with all shops and makes it a great integration for customers wanting to split payments. Sezzle is easy to use and efficient every day! Cons I don't like the subscription needed to shop but overall there are many other free integrations to the platform. Review Source KH Kathy H. Practice Manager Veterinary Used the software for: Less than 6 months ### "Easy to use pay in 4 program" February 24, 2025 5.0 I have used to make Christmas shopping more manageable, and overall have had a great experience with Sezzle Pros Easy to use, easy to update payment method so you aren't charge a credit card fee and can pay with checking account, virtual credit card is fast. You can earn points by making on time payments Cons So far there so good, no cons! There are a lot of emails about updates but not a huge deal Review Source TS Telisha S. Selp Marketing and Advertising Used the software for: 1-2 years ### "Thank you!!!" October 25, 2024 5.0 So each day I’m learning to use my account and it’s getting better! Pros For giving me the opportunity to open an account because other “pay in 4” accounts seem to be harder to get Cons Hard to understand the use of the premium! I couldn’t find any person to explain how that works and how and use my virtual card and that you can only use it for certain things Switched from [Afterpay](https://www.capterra.com/p/229452/Afterpay/) They weren’t understanding and never could help Review Source SR Shatema R. Owner Consumer Services Used the software for: 6-12 months ### "Easy approvals for payments" February 7, 2025 5.0 Pros I love that fact that I get fast approvals when I use it for online shopping. Cons Its not an option for all retailers that I love to shop with Review Source LP Lisa P. Physician Hospital & Health Care Used the software for: Less than 6 months ### "Fraudsters. " August 29, 2024 1.0 Horrible. They are fraudsters. Pros Nothing They’re fraudulent. Do not use them. If I could give negative stars I would Cons I bought supposed travel hotel and when I got to the hotel they said they had nothing from the company. I had to leave the hotel with my 6 year old and stay with a friend overnight until I could book another hotel. The whole vacation was ruined because we were only staying 4 days and between finding another hotel and waiting for 3 pm checkin the next day we had only 1 vacation day. I called Sezzle to tell them what occurred and you know what they said “too bad no refunds”. Are you freaking serious. So I tried to remove my atm from their site and it won’t allow you to. I paid off a pair of shoes I had bought from them but refuse to pay $500 of which no one has received. They repeatedly say they will have a supervisor call me and after 5 calls to them over 3 weeks I’m still waiting to hear from them. I have called my bank to refund my money. I even have the documents stating the hotel hadn’t received anything. Do NOT use this company. I have used affirm and this had never been an experience Review Source BM Blake M. Author Writing and Editing Used the software for: Less than 6 months ### "Sezzle is a good payment service " October 31, 2024 4.0 It was good and did what it was supposed to do. Pros Payments are fast and they kept me notified about my order and payment. Cons The late fee is way too much and grace period isn’t long enough. Review Source Similar Products Featured ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.