What is Sezzle Balance?

For US users who signed up prior to August 14, 2026 and have not opted in to the Sezzle Balance Changes please visit (link) for Changes to Your Sezzle Balance account.

For US users who have signed up after August 14, 2026 Sezzle Balance is a digital account issued by WebBank, Member FDIC,  that allows shoppers to store, manage, and spend funds easily. Users can add money from a linked debit card or bank account. It is available to U.S. residents (excluding territories) who are at least 18 years old.

Adding Funds

You can add money to your Sezzle Balance through:

• Sezzle Spend rewards earned from eligible transactions
• A linked debit card or bank account
• Money you receive through Sezzle Send, credited to your Sezzle Balance
• You can load between $30 and $500 per transaction.
• A Sezzle Balance load Fee of up to $4.99 may apply.

Using Sezzle Balance

• Funds can be used to pay for most purchases made through Sezzle.
• Sezzle Balance cannot be applied to virtual card order down payments.
• Sezzle Balance can be applied to outstanding amounts owed to Sezzle.
• You can use your Sezzle Balance to send money to others through Sezzle Send. The full Sezzle Send amount must be covered by Sezzle Balance, no partial or split balance payments permitted.
• If the balance is insufficient for a purchase, an additional payment method will be required.

How to Add Funds to Your Sezzle Balance with a Debit Card or Bank Account

Adding Funds with a Debit Card or Bank Account:

1. Log in to your Sezzle account, click on Account, then select Sezzle Balance.
2. Enter the amount you wish to add (you can load between $30 and $500 per transaction).
3. Choose your payment method: you can load your balance using a debit card or a linked bank account
4. Click Continue.
5. Review your transaction details and click Confirm.

Important: If you haven’t verified your identity by providing your SSN, you’ll be prompted to do so before completing the transaction. You’ll only need to verify once. After confirming, if added with a card, your funds will be added to your Sezzle Balance and ready to use immediately. Adding funds with a bank account may take up to 7 business days to process and will not be available to use until the processing time has finished.

Withdrawing Funds

Note: This is a new feature that requires opting in if you are a user who signed up before August 14, 2026, see details here. 

You can withdraw your Sezzle Balance to a linked bank account or debit card. Two options are available:

• Regular withdrawal (free): A standard ACH transfer to your linked bank account. Funds typically arrive within 3 business days.
• Express withdrawal (fee applies): A faster transfer to your linked debit card. A 1.75% fee is deducted from the withdrawal amount, and funds arrive instantly.

Your Sezzle Balance is debited as soon as you initiate a withdrawal. If a withdrawal fails, the funds are returned to your Sezzle Balance and you’ll be notified. If you’re closing your account, withdraw your remaining balance first.

Withdrawal Limits

Daily limits reset every 24 hours. Weekly limits reset on a rolling 7-day basis, and monthly limits reset on a rolling 30-day basis.

How refunds work with Sezzle Balance

If you receive a refund from a merchant on a Sezzle order before your order is fully paid off, we’ll first apply the refund toward any remaining scheduled payments. Once those are covered, any extra money will be refunded in this order:

1. Sezzle Balance (if Sezzle Balance was used on the order)
2. Your card
3. Your bank account