If you find a charge from Sezzle that appears to be incorrect, there are a few things to consider 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 total amount, but the charge will only post for the amount of the specific installment.
If you see a pending charge, especially if it matches the order total of a recent order, we recommend waiting a few days for the payment to be finalized. Typically, this happens within 7 business days, though usually sooner. This process is entirely automatic and not something we can expedite or have any control over.
If you have further questions about how authorizations or pending charges work, we recommend contacting your financial institution, as they'll be able to explain how those terms apply to your account.
Is the charge labeled as "Sezzle"?
If the charge doesn't have Sezzle in the name, your purchase was not completed with Sezzle. You can also confirm this if the charge is under the store's name and you don'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 contacting the store directly to see if they can issue you a refund and then placing the order again through Sezzle.
Was it an extra charge on a Virtual Card order?
If you made a purchase with the Sezzle Virtual Card and the final “capture” amount, the amount the merchant settled the authorization at, was higher than the purchase request, the remainder will be charged separately in full (one payment), for example, when a tip is applied after the card is run.
Is the charge only slightly more than expected?
If the charge amount is slightly 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. Learn 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, your financial institution has likely charged you an overdraft or NSF fee. While 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 get in touch with your financial institution directly - they'll be able to explain best why the fee was charged to your account and provide any recommendations to avoid the fee in the future.
*Fees may not apply 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 rescheduling or failed payment.