What is a Virtual Payment Card
Virtual payment cards are debit or credit cards that exist entirely online but can be used in the same way as any other payment method. You receive a unique 16-digit card number, plus your expiration date and CVV. You can use your Sezzle Virtual Card at select Sezzle merchants just like you would use your normal credit or debit card — over the phone, online, and even in person as long as you have the card details.
When you create a Sezzle account, you will have the option to generate a Sezzle Virtual Card. It acts as a debit card for the merchant, but we create a Sezzle payment plan for your purchase on the back end where 25% of the order total is due at the time of purchase, and the remaining installments are due every two weeks over the next six weeks.
How to Activate and Use your Sezzle Virtual Card
To activate your Virtual Card, just log into the Sezzle mobile app and navigate to the Sezzle Card tab. Once you have signed up for the Virtual Card, your card details will appear. You can then use it while shopping online by simply copying and pasting your card details at checkout. And remember—only 25% of your purchase will be charged to the payment method on file at the time of checkout.
Your Virtual Card can also be used in-store at select Sezzle merchants. Add it to your Apple or Google wallet by selecting the “Add to Wallet” button under your card details. When your Virtual Card is added to your wallet, all you have to do is tap your phone at the terminal in order to complete your checkout – it’s as easy as that!
Understanding your spending power
When you are approved for a Sezzle Virtual Card, you will immediately be shown your spending power. Spending power is the pre-approved amount for your next purchase. Most of the time, this will be the same as your available limit and change overtime as orders are paid off.
To access the amount you currently have available, simply log into your Sezzle account and navigate to the “Sezzle Card” tab. Here you will be able to see your available spending power, along with your Virtual Card details.
Don’t worry if you have a small limit to start with! It is completely normal to build your limit over time by continuing to repay your Sezzle orders.