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 limit, as Sezzle considers various factors during the approval process. In addition to your individual spending limit, there may also be specific merchant order limitations.
Please note: The Sezzle Support Team is unable to manually approve any orders or increase spending limits.
If you are having trouble getting approved, please review the common decline reasons below and some recommendations that may help.
Common Decline Reasons:
Decline Reason |
Description |
How to Solve |
| Insufficient Credit Limit | Declined due to the order amount being above your overall available spending limit. |
Lower the amount of your order. Not sure what your credit limit is? Check out this article to learn more! |
|
Insufficient Merchant Credit Limit |
Declined due to the order amount being above a specific merchant’s spending limit. Merchant spending limits do not apply to all merchants, may vary by store, and are a percentage of your overall spending limit. |
Lower the amount of your order at that store and/or make a few payments to increase your credit limit at this particular store. |
| 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 orders that had a previously failed payment. If you have a failed payment on your account, you won't be able to place new orders until all installments on the order with the failed payment are 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. |
| 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 with to place new orders. |
| Rescheduled Payments | 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 a few days to process before your account is open for future purchases. |
| Unpaid Orders | Declined due to one or more unpaid orders. |
Pay off outstanding installments. It may help to pay off any existing unpaid order(s) for a specific merchant before attempting to place a new purchase with that merchant. Learn more about paying off installments early here. |
| 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 be sure there are funds 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 will be able to make new orders once that new user limit period is over. |
| Minimum Order Amount |
The minimum order amount required was not met. The minimum order amount is at least $35 (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. |
Increase the amount spent at that merchant by adding a few more items and attempting the transaction again. If you cannot add more items or increase the dollar amount of your transaction, you will need to use a different payment method. |
| 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, dependent on your location). | Wait until the next day to complete your transaction or lower your order amount. |
Viewing Your Limit
If you'd like more information on how to view your limit, click here.