If you find a charge from Sezzle that appears to be incorrect, there are a few things to look at to help determine what's going on.
Is the charge pending?
Pending charges appear differently on your bank account or card statement than a posted transaction. These are often called "authorizations" or "preauthorizations" and are not necessarily the amount that will be charged (or posted) to your account. In some cases, especially for new orders, we may authorize your payment method for the full amount, but the charge will only post for the amount of the specific installment.
If you see a charge that is pending, especially if it matches the order total of a recent order, we recommend waiting a few days for the charge to finalize - typically, this happens within 3 business days, though usually sooner. This process is entirely automatic, and not something that we're able to expedite.
If you have further questions about how authorizations or pending charges work, we recommend reaching out to your financial institution, as they'll be able to best explain how those terms apply to your account.
Is the charge labeled as "Sezzle"?
If the charge doesn't have Sezzle in the name, and especially if it's for the full amount of your order, it's most likely that your purchase wasn't completed with Sezzle. The charge will usually be under the store's name, and you won't see an order on your Sezzle account. If this is the case, and you'd like to complete the order with Sezzle, we recommend reaching out to the store directly to see if they're able to issue you a refund so that you can place the order again through Sezzle.
Is the charge only $5 or $10 more than expected?
If the amount of the charge is $5 or $10 more than you expected it to be, it's likely that there was a fee added to your payment. You can find more information about the payment amount by logging into your Sezzle account and reviewing the order. You can also read more about fees here.
Is the charge $20-$40 more than expected, and charged separately?
If you see two charges on your account, typically on the same day, and one looks like your regular payment amount but the other isn't an expected payment amount, you've likely been charged an overdraft or NSF fee by your financial institution. While the amounts of these fees can vary based on your financial institution, they're typically between $20-$40 each, with $35 being a common amount. If you have questions about why you were charged this fee, please reach out to your financial institution directly - they'll be able to best explain why the fee was charged to your account and provide any recommendations to avoid the fee in the future.
It's some other issue.
If for some reason those steps don't help clarify the amount you've been charged, please use the "Submit a Request" button at the top of the page to get in touch with our team. If you are able to add screenshots of the charges you're seeing (be sure to hide any personal information!), that will often help us best diagnose the problem.