What is the Sezzle Virtual Card?

The Sezzle Virtual Card is a contactless card that a shopper can use to make purchases in installments at any merchant that accepts this form of payment. It is stored in the shoppers mobile wallet to make checkout a fast and easy experience.

Benefits of enabling Sezzle Virtual Card

Easy Setup 

With our easy setup and step-by-step instructions, you can start accepting Sezzle Virtual Card at your in-store locations in no time.

Increase Sales 

Sezzle lifts sales by 10% on average, by enabling customers that would have abandoned because of price to complete checkout.

Grow Shopper Base

Attract new and existing shoppers looking to pay in four by offering Sezzle at your in-store locations.

Seamless Checkout

With our smooth checkout process, shoppers can be approved and complete their checkout in under a minute.

Increase your sales and engagement with new Sezzle signage!

We partnered with fellow B Corporation, Doing Good Works, to offer additional in-store marketing assets shipped directly to your store.

In-Store Promotion to Drive Sales

Download our in store promotion package. By telling your shoppers you accept Sezzle as payment method you can increase basket size.

Easy Training Materials

Download our training materials. These fast and easy instructions guide your employees on how to explain the Sezzle Virtual Card to shoppers.
Frequently Asked Questions

If you are at your in-store location it should only take about 5 minutes. Here’s how the process works:

  1. Login to the Merchant Dashboard and navigate to the in store tab.

  2. Set up test card

    • Generate a test card.

  3. Add in-store location(s)

    • Enter the details for the location you want to accept Sezzle Virtual Card.

  4. Run test transaction

    • Visit your in-store payment terminal to run a test transaction with your test card. This transaction will be declined and you will not be charged.

  5. Connect transaction(s) to in-store location(s)

    • Connect the test transaction to its in-store location within your merchant dashboard.

The approval process for shoppers is the same as the regular Sezzle checkout.

Note: This spending limit includes both virtual card orders and traditional Sezzle orders.

Your Sezzle fee rate will match the fee rate for Virtual Card orders. The only fee associated with the Virtual Card is your interchange fee. Interchange fee is a term used in the payment card industry to describe a fee paid between banks for the acceptance of card-based transactions. 

See Sezzle Merchant Agreement for more information.

Once the card is set up, the shopper will be able to see their available spending power within the Sezzle Card tab on the app. Note: This spending limit includes both virtual card orders and standard Sezzle orders. Shoppers are only able to use the virtual card with eligible stores. If they try and use the card at a merchant that doesn’t accept Sezzle Virtual Card, the purchase will be declined.

Online: To use the virtual card online, shoppers simply need to enter their card details at checkout just like they would any other debit or credit card.

In-store: To use the virtual card in-store, shoppers need to add the card to their Apple or Google wallet, then pay using Apple or Google Pay at the payment terminal.

If shoppers are new to Sezzle, they will need to first download the Sezzle app and set up a Sezzle account. They should have their mobile phone and a payment method (credit/debit card or bank account information) handy, as they’ll need these to successfully configure their account. Once they have the app downloaded, we’ll walk the shopper through the sign-up process in our onboarding flow. 

If they already have a Sezzle account (or have now signed up for one), all they need to do is log in to their account through the Sezzle app and select the “Sezzle Card” tab. We’ll then take them step-by-step through the process of getting a virtual card. Once they are approved for their virtual card, they will immediately see their spending power displayed at the top of the page. This is how much they will have available to spend using their Sezzle Virtual Card.

To pay in-store, they’ll need to first add their virtual card to either Google Pay or Apple Pay, depending on which they prefer. Once their card has been added, they can then use it at checkout just like any other virtual card – it can be as simple as unlocking and then tapping their phone on the payment terminal.

To set up their virtual card for its first use, they’ll need to set up Google Pay or Apple Pay. For more information on how to set up and use Apple Pay, click here. For more information on how to set up and use Google Pay, click here.

Once they have their wallet set up, they’ll then use the Sezzle App to quickly add their Sezzle Virtual Card. If they don’t already have the Sezzle app, they can find it in either the Play Store or the App Store. To add their Sezzle Virtual Card to Apple Pay or Google Pay, log in to the Sezzle app, select the “Sezzle Card” tab, and then the “Add to Wallet” button below the card image. They’ll then be walked through any final steps to configure the card to the correct wallet.

When the Sezzle Virtual Card is added to their wallet, they’re all set to start using their Sezzle Virtual Card in-stores!

Virtual Card orders will show up in the merchant dashboard. If you click into the Order Details you should see an order tag, virtual card.

Merchants can’t refund virtual card orders through the merchant dashboard but through their card processing network.

Refunds do not always tie back to one specific order. When we receive a refund on a virtual card order, it might be applied to any outstanding order. So if a shopper is saying that they didn’t receive a refund, it’s worthwhile to double-check to see if that refund was actually applied to a different outstanding order. Shoppers can do this by logging into their account, navigating to their refunded orders, and selecting “Adjusted orders” next to the order that was refunded. This is where they will see which orders were affected by their refund.

This is similar to a credit card, where if you receive a refund for one order but have two open with a merchant, it won’t necessarily specifically cancel the oldest order out and will instead just impact your balance due.

If returned in-store, the shopper likely got store credit.

If you have a minimum order amount for your online checkout, it would also apply to your shoppers in-store orders.

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