--- title: "Sezzle Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Sezzle the right Payment Processing solution for you? Explore 56 verified user reviews from people in industries like yours to make a confident choice." source_url: "https://www.capterra.com/p/195895/Sezzle/reviews/" page_type: "reviews" language: "en" publication_date: "2026-10-21" --- Sezzle 4.1 (56) [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 October 21st, 2026 # Reviews of Sezzle Ease of use 4.2 Customer Service 3.9 ## Pros and Cons in Reviews 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 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 CM Cassandra M AdminAccounting, Self-employedUsed the software for: 1-2 years. “Pay anywhere option allows you to use the app more.“ June 4, 2025 BT Brianna T FounderWriting and Editing, 2 - 10 employeesUsed the software for: Less than 6 months. “I do know of customers who had issues with being locked out of their accounts.“ July 2, 2026 BM Blake M AuthorWriting and Editing, Self-employedUsed the software for: Less than 6 months. “Payments are fast and they kept me notified about my order and payment.“ October 31, 2024 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 KH Kathy H Practice ManagerVeterinary, 5,001 - 10,000 employeesUsed the software for: Less than 6 months. “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.“ February 24, 2025 KW Kylethia W UnknownRetail, 51 - 200 employeesUsed the software for: More than 2 years. “Good at first. But when you have issues it's your loss“ December 20, 2024 ## Showing most helpful reviews Showing 1-25 of 56 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Jeannie T. Owner Operator Consumer Services Used the software for: 1-2 years ### "Useful tool, but be advised " October 5, 2026 4.0 It can make larger purchases easier to manage by breaking them into smaller payments, but it can also make it tempting to spend more than you planned. I think it’s a good option when you use it responsibly and know exactly what payments are coming up. Just don’t mistake smaller payments for a cheaper purchase. Pros Can help with cash flow. If you already have the money coming in but don't want one large purchase hitting your account at once, splitting it can be convenient. It's useful for clothing, household purchases, beauty, electronics, and more without needing a traditional credit card. Cons The biggest con is overspending. A $120 purchase suddenly looks like "$30 today." Your brain conveniently forgets that the other $90 exists. Very human. Very profitable. But the consequences of having late/failed payments add up!... Side note... Subscriptions can sneak into the equation. Sezzle Premium is currently listed at $13.99/month, while Sezzle Anywhere is $19.99/month. In my opinion neither are necessary for ordinary Pay-in-4 use. Review Source AA Ashvin A. CMO Health, Wellness and Fitness Used the software for: 1-2 years ### "Great platform but fees can be a big more competitive" December 16, 2021 4.0 Great experience - just had to negotiate pretty aggressively to get our fees down. Pros I liked that it was available to Canada users as well as US. Cons The fees are a bit higher in comparison to other platforms in this space. Alternatives considered [Afterpay](https://www.capterra.com/p/229452/Afterpay/) Reason for choosing Sezzle Because they serviced Canadian shoppers and others did not. 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 BT Brianna T. Founder Writing and Editing Used the software for: Less than 6 months ### "I would recommend " July 2, 2026 4.0 Pros It allows my customers to spread their payments out over time, making my services more accessible to a wider audience. Cons I don't have many qualms with Sezzle, although they charge a hefty fee for their service. I do know of customers who had issues with being locked out of their accounts. 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 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 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 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 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 SB Sarah B. Research Analyst Research Used the software for: 2+ years ### "Settle With Sezzle" August 16, 2023 5.0 I've been using Sezzle for years and it is the most logical way to spend, with a variety of brands and shops that we use on a day-to-day, you can't go wrong. Pros Sezzle is an amazing choice for anyone who is hard-up on money; zero interest, payments split to pay every other week, paying a fourth of your total?! What more could you ask for?! I love Sezzle. Cons If you are late with a payment even a day, they will tax you as soon as they can. I definitely feel you should have a greater grace period. Review Source JG Jen G. Owner/designer Apparel & Fashion Used the software for: 6-12 months ### "Awful, zero consideration for merchants " March 9, 2023 1.0 Cons There is no protection for merchants whatsoever. They won't help you if a mistake was made, meanwhile they make interest on your balance. I feel unsafe using their services. Review Source JR Jessica R. CEO Retail Used the software for: 1-2 years ### "Sezzle is the best!" June 6, 2021 5.0 Overall this is one of the top softwares that any business should have to allow customers to securely pay later for their items! Definitely a win for fashion brands Pros I've definitely seen an increase in sales using this software and i love the hashtag feature to increase my brand being seen! Cons I have yet to have any issues with sezzle, I was a little confused about the what happens when you have to refund an item but i was able to figure it out! 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 RP Rachel P. Administrative Assistant Consumer Services Used the software for: 1-2 years ### "Purchases are a breeze" January 5, 2024 5.0 Pros Sometimes it's not easy to make purchases in one lump sum. Having the option to divide up a payment that is due into 4 reasonably smaller payments is very convenient. One doesn't feel as overwhelmed as bills and purchases can sometimes make them feel. Cons I wish there were more options that offered Sezzle as payment. Review Source CD Carlisbeth D. Lead deck ambassador Sports Used the software for: 1-2 years ### "Great software for making purchases" November 19, 2023 5.0 Pros Great software for making purchases. Makes buying something much easier and different payment plans are great Cons I dislike that this isnt a payment option for that many sites. Review Source JG Julie G. Office Manager Automotive Used the software for: 1-2 years ### "i love sezzle" July 27, 2022 5.0 Pros I love that it allows you to pay in four installments and receive your merchandise after the first payment. Cons There is nothing i don't like about this software. 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 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 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 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 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.