Anywhere is Sezzle’s subscription-based service that allows you to use Sezzle’s Virtual Card at U.S. merchants in-store via Apple Pay or Google Pay or online wherever Visa is accepted, with a few exceptions based on Sezzle’s Acceptable Use Policy. Learn more about Anywhere here.
Sezzle is committed to financially empowering shoppers by supporting responsible spending. Therefore, our system does not approve 100% of orders. We are unable to approve any orders or increase spending power manually.
Please note that there may be certain purchases in which the merchant requires a specific payment method, i.e., a hotel authorization requiring a credit card on file. In these cases, the merchant may decline the purchase despite the order being eligible for approval with Sezzle. If this occurs, please reach out to the merchant directly for more information.
If you are having trouble getting approved for an Anywhere order, please review the common decline reasons below and some recommendations that may help. For more information about general Sezzle declines, click here.
If these situations do not apply to your account, but you are still getting declined, then the merchant you are attempting to shop with or the product or service is unavailable to use with Sezzle.
| Decline Reason | Description | How to Solve |
|---|---|---|
| Against Sezzle's Acceptable Use Policy |
Declined due to the order being against policy: • Relate to products or services involving unlawful or illegal activities • Relate to products or services involving financial services, commodities for trade, or gambling • Relate to non-bona-fide and other unpermitted transactions |
Ensure items in your order are not against policy. What is included in this policy? Check out the full Acceptable Use Policy here. |
| International Purchase |
Only US transactions are accepted at this time. |
|
| Insufficient Spending Power* | Declined due to the order amount being above your overall available spending power. |
Lower the amount of your order. Not sure what your spending power is? Check out this article to learn more! |
| Failed Order |
Declined due to a failed payment that has occurred on an order. This decline also may occur if one of your payments is in the "pending" or "processing" statuses. |
Login to your dashboard and pay off any failed payments. If you have a failed payment on your account, you won't be able to place new orders until the failed payment is paid off. Learn more about resolving failed payments here. If you have payments in the "processing" or "pending" statuses, try placing your order after four business days per industry ACH processing timelines. Click here to learn more about processing payments. |
| Rescheduled Payments* | Declined due to one or more rescheduled payments on your account. |
Login to your dashboard and pay off any rescheduled payments. If you have a rescheduled payment on your account, you won't be able to place new orders until the rescheduled payment is paid off. To pay an installment, log into your account in your app or at dashboard.sezzle.com and navigate to the active orders in which you have rescheduled payments. Please note that paying off these installments with a bank account may take up to four business days to process before your account is open for future purchases. |
| Default Payment Method on Virtual Card | Your bank is declining the default payment method associated with your Sezzle Virtual Card. |
Review the payment method on file as your default payment method for first installments, and ensure funds are available. If funds are available, contact your bank directly for more information. |
| New User Decline | Declined due to placing a second order within 25 hours of your first order. |
Wait 25 hours after placing your first order and try again. New users can only place one order but can make new orders once that new user period is over. |
| Single-Day Order Amount | You've attempted to place over $2,500 for pay-in-4 orders or $1,500 for pay-in-full orders in 24 hours (USD or CAD, dependent on your location). | Wait until the next day to complete your purchase or lower your order amount. |
| Thirty (30) Day Order Amount | You've attempted to place over $5,000 for pay-in-full orders in a 30-day period (USD or CAD, depending on your location). | Wait until the next day to complete your transaction or lower your order amount. |
*For Sezzle Virtual Card purchases, enable Pay-in-Full to pay with one payment and avoid declines.