We only charge fees for two reasons: either a payment has failed or more than one reschedule has been applied to an order. Sezzle fees are always charged with the payment installment they’ve been added to, so you will not see multiple charges from us. However, any fees imposed by your bank will be charged separately. See below for more info on our two types of fees.
Rescheduled Payment Fee
When you reschedule your payments on an order for the second or third time, a fee* is added to your next upcoming payment. This fee requires your approval, so we’ll let you know about it ahead of time. You can read more about how to reschedule your payments here. It’s important to note that not all shoppers qualify for more than one reschedule per order. If you qualify for additional reschedules, you will see this option appear in your dashboard.
Failed Payment Fee
We get it. Sometimes life just happens! If we aren't able to process a payment, maybe because your card has expired or we get an insufficient funds notice from your bank, a fee* is added to that payment. However, there is a grace period** during which the fee can be waived automatically if you successfully resolve the payment. If you have a failed payment, your due dates are automatically rescheduled and no new purchases are authorized until that payment is resolved. You can find more about failed payments here.
To be on the safe side, you may want to check that you haven’t marked our texts or emails as “spam” or had them sent straight to your junk folder. We always send alerts before a payment is due because we don’t want to catch you by surprise, so it can’t hurt to review your notification settings here.
Any Fee Charged Separately
Sezzle fees are always charged with payments, but it’s possible to have multiple fees on one order. For example, if you had a failed payment fee and a rescheduling fee on the same payment, it would show as a single charge on your payment method, like this:
$Original-Payment-Amount + $Failed-Payment-Fee + $Reschedule-Fee = $Total-Charge
If you see a separate fee on your bank statement that is labeled “Sezzle,” it is most likely a fee your bank has charged. So for instance, if you incurred an overdraft or “NSF fee,” because of a Sezzle payment, the charge may be labeled “Sezzle” because it was the Sezzle charge that caused your account to overdraft. These fees are commonly around $30 but sometimes can be larger than $50. If you see one of these fees on your account, please reach out to your bank directly—they will be the best source of information as to why the fee was charged!
*Fees may not be applicable to shoppers in certain regions—please review our user agreement for more information. Where imposed, fee amounts are determined by individual state regulations and will reflect accordingly on your Sezzle account upon reschedule or failed payment.
**Depending on the state in which you reside, this 48-hour grace period may last up to 15 calendar days. Please reference your state legislature for more details.