Sezzle is committed to financially empowering shoppers by supporting responsible spending. Therefore, our system does not approve 100% of orders. Your order may be declined, even if the order amount is less than your estimated spending power, as Sezzle considers various factors during the approval process. In addition to your individual estimated spending power, there may be order limitations specific to each merchant.
Please note: The Sezzle Support Team cannot manually approve any orders or increase spending power.
If you are having trouble getting approved, please review the common decline reasons below and some recommendations that may help.
- Failed Payment(s)
- Insufficient Spending Power
- Insufficient Merchant-Specific Spending Power
- Rescheduled Payment(s)
- Maximum Open Order Limit
- Maximum Order Amount
- Minimum Order Amount
- Default Payment Method on Virtual Card
- New User Restriction
- Single-Day Order Amount
- Thirty (30) Day Order Amount
Common Decline Reasons:
| Decline Reason | Description | How to Solve |
Failed Payment(s) |
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, wait five business days and try placing your order again. Click here to learn more about processing payments. |
Insufficient Spending Power* |
Declined due to the order amount being above your estimated spending power1. |
Lower the amount of your order. |
Insufficient Merchant-Specific Spending Power* |
Declined due to the order amount being above a specific merchant’s spending power. Merchant spending power does not apply to all merchants, may vary by store, and is a percentage of your estimated spending power. |
Lower the amount of your order at that store and/or make a few payments to increase your estimated spending power at this particular store. |
Rescheduled Payment(s)* |
Declined due to one or more rescheduled payments on your account. |
Review all upcoming payments. If you have any rescheduled payments on your account, you won't be able to place new orders until they are all 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 4 business days to process before your account is open for future purchases. |
Maximum Open Order Limit* |
Declined due to having too many orders open with a particular merchant or group of merchants. |
All Sezzle Premium brands have a maximum open order limit of two purchases - to make a third Sezzle Premium purchase, you'll need to pay off one first. With any non-premium merchant, pay off an outstanding order with the merchant you are attempting to purchase to place new orders. |
Maximum Order Amount |
Declined due to attempting an order over the maximum amount allowed for that merchant. |
Lower the amount of your order. |
Minimum Order Amount* |
The minimum order amount required was not met. The minimum order amount is at least $20 USD (including tax and all other fees) for all Sezzle purchases, but it could be more based on a minimum order amount set by the merchant. Canadian minimum order requirements will be CAD and converted from USD. |
Increase the amount spent at that merchant by adding more items and attempting the transaction again. You may also be presented with alternate payment options such as Pay-in-Full or Pay-in-2. If you cannot add more items or increase the dollar amount of your transaction, you will need to use a different payment method. |
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 Restriction |
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 or 52 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 Card3 purchases, enable pay-in-full to pay in one payment and avoid declines.
1Estimated Spending Power is a point in time estimate of how much you may be able to spend and is subject to credit approval.
Pay later loans are originated by WebBank or Sezzle. Refer to your loan agreement for lender information. For example, for a $300 loan, you would make one $75 down payment today, then three $75 payments every two weeks for a 35.40% annual percentage rate (APR) and a total of payments of $305.99 which includes a $5.99 Service Fee (finance charge) charged at loan origination. Service fees vary and can range from $0 to $5.99 depending on the purchase price and Sezzle product. Actual fees are reflected in checkout.
3Sezzle Virtual Cards are issued by both WebBank, and Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc. The issuer of the card will be displayed at the time of issuance. See User Agreement for details. Sezzle provides access to financing in the form of installment loans.
Sezzle is not a bank.