How to Use Sezzle on Amazon

Buying products online has become an incredibly common practice. Long before the pandemic forced people inside, many were drawn to shopping online because of the convenience of having items delivered directly to their door.

With so many people having products delivered to their homes, the next “big thing” is to buy now, pay later, and Sezzle is growing in popularity. The benefits of using a buy now, pay later structure are that you can get items that you need without breaking your budget. This may have you asking how to use Sezzle on Amazon.

As one of the largest online realtors, Amazon has tons of stuff for every facet of your life — and delivery is usually fast. If you’re wondering how to buy items now on Amazon and pay for them later, we’ve got the answers you’re looking for.

What Is Sezzle?

Before getting into the answer about how to use Sezzle on Amazon, it’s helpful if you know exactly what Sezzle is.

In a way, the buy now, pay later format is a re-imagining of a layaway program. However, instead of making payments and then getting the item, you get the item immediately and then make the payments.

Founded in 2016, Sezzle allows you to make payments for online or in-store purchases and pay for them in four installments. Sezzle doesn’t charge any interest on those payments, but you’re expected to pay every two weeks so that the purchase gets paid off in six weeks.

Typically, the first payment is about 25% of the total purchase price, then the final three payments are divided from whatever is left.

Sezzle imposes a credit limit based on the amount of the purchase, and for most first-time users, they are limited to between $50 and $200. If you use the service often and make on-time payments, there’s a chance you could increase your credit limit for purchases.

How to Use Sezzle on Amazon

Now that you have a better idea of what Sezzle is, let’s dive into how to use Sezzle on Amazon.

Unfortunately, at this time, Amazon does not support Sezzle, so you can’t use it. However, that does not mean that there aren’t other buy now, pay later options available on the site. Some of the other deferred payment options that are supported include the following:

Klarna

This buy now, pay later option was founded in 2005 in Sweden. Like Sezzle, you can pay off a purchase in four interest-free payments, but Klarna also has some other payment options available, including:

Pay nothing for 30 days and then pay off the full balance
Obtain a small loan that can be paid off in 6 to 36 months
Pay now with your credit or debit card through the app

Keep in mind that even though Klarna offers all of these options, the retailers that take Klarna payments have the final say in which payment terms they are willing to accept.

You can also use Klarna online and inside many different retail stores. Some of the places that accept this form of payment include:

Amazon
Sephora
Apple
Foot Locker
Etsy
Macy’s

And others

Affirm

Like the other buy now, pay later options we’ve been discussing in this article, Affirm can be applied when checking out to split up your payments and make your purchase more affordable. While you have the option of making four payments, you can also choose to split your payments into three, six, or potentially 12 payments based on your needs.

Affirm does not set minimum limits on how much you have to spend, but the merchants that they work with might set a minimum purchase price guideline. In many cases, that could be around $50.

When it comes to the maximum amount of money you can spend, Affirm sets a limit of $17,500. However, the merchant also has a say in how much you’re able to purchase through their site, so the maximum amount could vary depending on where you’re shopping.

One of the other things that are slightly different with Affirm is that they don’t guarantee that you’ll qualify for 0% interest. Depending on your credit and eligibility, you could wind up paying 10 to 30% interest on purchases, with the average being around 16.44%.

Always make sure to read the fine print before applying for this type of buy now, pay later loan when checking out from a site.

Some Things to Know About Buy Now, Pay Later Options

No matter which buy now, pay later option you decide to use online or in-store, there are a couple of things you need to be aware of.

The first thing is that when you ask for this option, you are essentially asking for a loan. The company, whether it’s Sezzle, Klarna, or Affirm, makes the decision to give you this money based on several different factors, including your credit score and ability to pay the money back.

Since you’re getting a loan, the company will do a soft check of your credit. This won’t impact your score, but it will help them determine if you qualify or not.

Even though most of the companies say they don’t charge any interest, that doesn’t mean there aren’t other fees that you might have to pay. For example, if you don’t make your payments on time, Sezzle will charge you a $10 late fee.

Missing payments with any of these buy now, pay later companies can also negatively affect your borrowing power. If you don’t pay back the money they lend you, you may not qualify for this service for future purchases.

Using Buy Now, Pay Later Options on Amazon

You may not be able to use Sezzle on Amazon, but there are other buy now, pay later options that are available. When using these, you might be wondering how to view Amazon installment payments. To access this information, you’ll need to follow these steps:

Step 1: Log in to Amazon Payments

This is a specific site that you can access on your laptop or desktop computer or from the browser on your phone.

Click the Sign In button at the top of the page, then enter your username and password.

Step 2: Access Merchant Settings

Once you’ve gained access to the Amazon Payments page, you’ll then need to click on “Merchant settings.”

This will take you to the Manage Merchant Settings page, and from there you should be able to see your recurring payments that you’ve set up, as well as any subscription arrangements you might have.

Step 3: View the Details

If you want to view the Amazon installment payments, you’ll need to click “Details” next to whatever account you want to look at.

Can I Use My Sezzle Virtual Card Anywhere?

In addition to wondering how to use Sezzle on Amazon, you might also be curious about: “Can I use my Sezzle virtual card anywhere?”

Unfortunately, the answer to this is no. While having the card in your virtual wallet can make buying things easier, you’ll need to access the app to see which stores accept the card. You’ll find that there are online and in-store retailers that are happy to take Sezzle payments.

One other thing to be aware of is that Sezzle can only be used in the U.S., which further limits where it is accepted.

Who Accepts Sezzle Virtual Card?

Now that you know Amazon doesn’t accept Sezzle and that its acceptance is limited to online and retail stores within the U.S., you might be asking: Who accepts Sezzle virtual card?

Currently, the merchants that accept this payment are fairly limited and many of the brands are niche retailers. There are some large brands that accept Sezzle payments (such as Target) and to know for sure where the card is accepted, you’ll need to check the list of stores on the app.

How Long Does Sezzle Take to Approve Merchants?

Yet another question you might be asking, in addition to wondering how to use Sezzle on Amazon, is how long does Sezzle take to approve merchants? Whether you’re a shopper hoping your favorite store will soon be added to the list or you’re a small business owner looking to add your business, here’s what you should know:

The Underwriting Team Needs Information

Before the Sezzle team can make a determination to approve a merchant or not, they need to receive all information for a merchant account.

It Can Take Several Business Days for a Decision

Once the business information has been received, it can take between four and six business days before the Sezzle team makes a determination to include it or not.

If they decide to add the merchant, this means that you can use Sezzle to buy products from that merchant.

Making Purchases More Affordable

Buy now, pay later options are growing in popularity because they make it more affordable and convenient to purchase bigger ticket items that you might need. If you’re wondering how to use Sezzle on Amazon, you can’t at the moment.

However, there are other merchants that accept Sezzle as payment for online or in-store purchases, including Target.