Sezzle Canada Review 2022



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When it comes to shopping, there are multiple payment and financing options available at different merchant locations. While some shoppers prefer to use their credit or debit cards for their purchases, some use mobile money transfer options, such as PayPal. 

The latest trend in e-commerce and in-store shopping is the buy now and pay later (BNPL) payment solution that retailers offer to their customers. Among the several options of budgeting and installment financing available to Canadians is the Sezzle Canada platform.

With Sezzle, you can shop at participating retail outlets and split your payments into four convenient installments. The best part of this service is that you don’t pay any interest, nor does it affect your credit score. With its growing list of merchants and brands in several categories, Canadians are provided with a high purchasing power and multiple options to shop for items at their favourite store.

Here’s how the Sezzle Canada platform and service works and its implication on Canadian consumers and retailers. 

About Sezzle Canada 

Sezzle Canada is a fintech company providing payment solutions to Canadian shoppers and merchants. The buy now, pay later service company increases consumers’ financial empowerment and purchasing power by providing interest-free and convenient payment plans for their online and in-store purchases. The rapidly growing budgeting service company enables consumers to shop at their favourite retail stores and pay for their purchases in regular bi-weekly installments. 

The Toronto-based payment solution company came into the Canadian marketplace in June 2019. Sezzle became known to Canadian merchants and shoppers as an alternative payment solution that allows shoppers to split their purchases into installments with no interest charges. 

Sezzle Inc., the Minneapolis-based parent company in the USA, is one of the top USA buys now, pay later service companies with tons of partner merchants using its payment solutions. 

How Sezzle Canada Works

Sezzle is available to Canadian shoppers and retailers. Canadian consumers can use the platform to pay for items at participating merchants online and in-store. With this arrangement, you can conveniently shop for items that would usually seem pricey for a one-time payment. 

With Sezzle, you can shop for the items you crave and pay for your purchases in four installments at zero interest charges. At checkout, you’re required to pay the first installment or down-payment to complete your order. Over the following six weeks, the company expects you to pay the remaining three installments every two weeks to complete the repayment for your purchases. If you default in the payments, Sezzle will block you from using its services on all its retail partners until you pay off your debts. Late payment also attracts penalty fees. 

For instance, if you shop for items worth CAD300 at a participating merchant store and choose Sezzle as your payment option, the company will pay the full amount to the retailer. Sezzle will also split your entire order into four equal interest-free payments, payable bi-weekly over six weeks. As a result, you’re required to pay 25% of the purchase before you can complete the order. After that, you’ll pay 25% each, every two weeks over six weeks.

Sezzle Canada partners with over one thousand e-commerce and in-store merchants in different categories across Canada. With this partnership, participating retailers also enjoy an increase in sales and demand for their products. For the convenience of consumers, Sezzle Canada lists and categorizes its partner merchants on its website. 

How to Use Sezzle 

Regardless of how you intend to use Sezzle for payments, registering with the platform to get approval for your payment is required. The best part about this loan/budgeting service is that the company does not require a hard check on your credit score.

Once you’re approved, you can proceed to complete your order and pay the first installment. Before the payment date for the remaining three installments, the company will also send a reminder. Interestingly, you can reschedule your Sezzle installment payment and avoid late payment fees. 

To use Sezzle Canada for your next purchase and take advantage of the interest-free installment payment option, follow these steps:

Step 1: Shop and add items to your cart at tons of participating retail stores. 

Step 2: Proceed to checkout and select Sezzle as your payment option. 

Step 3: You’ll be redirected to Sezzle to log in or sign up and get approval for your purchases. 

Step 4: Complete the order by paying your first installment of 25% of the total purchase value. The company will split your payment into four equal interest-free payments over six weeks. 

Alternatively, you can go to the Sezzle Canada website here to register. 

Click the Sign Up tab.

Select Shopper Sign Up.

 Complete the registration form to create your Sezzle account.

The required information includes:

  • Your mobile phone number.
  • Full legal name.
  • Email address.
  • Date of birth.
  • A four-digit PIN. 

Submit the form to complete your registration. 

Eligibility for Sezzle Canada Financing

To use the Sezzle Canada buy now, pay later financing option, you need to:

  • Be a Canadian resident. 
  • Be at least 18 years old and of the age of maturity. 
  • Have a valid email address. 
  • Have a valid Canadian mobile phone number. 
  • Have a valid payment method such as a bank account, debit card or credit card

Cost and Fees 

Sezzle Canada is free to use service company. The company claims that its installment financing option comes with zero interest and no hidden charges. However, there are specific fees associated with payment rescheduling and late payments.

1. Late payments attract a $10 fee. This fee also applies if your payment doesn’t go through on the payment due date due to card decline or low account balance. However, Sezzle will waive this fee if you make the payment within 48 hours. Sounds like a fair deal. 

2. Rescheduling a payment attracts a $5 fee. You can reschedule your payment date for up to three times. The first reschedule is free, while the remaining two come at the cost of $5 each. 

Participating Retail Stores in Sezzle Canada 

Here’s a list of some participating merchants that accept and offer Sezzle split financing to shoppers across Canada. 

  • Dixxon. 
  • Off The Hook.
  • GSG. 
  • Bulldog Canada. 
  • Due West. 
  • Nixit Canada. 
  • Unwired Solutions Inc. 
  • Gamestop.
  • Doppel. 
  • Go Puck. 
  • Semi Digital.
  • Touch of Modern. 
  • Tactacam.
  • Bodega. 
  • FE Noel. 
  • Joah Brown. 
  • American Stitch. 
  • Softmoc. 
  • 437.
  • Reigning Champ. 
  • Altitude Sports. 
  • Rudsak. 
  • Laura Canada. 
  • Frand and Oak. 
  • Livestock. 
  • Wings + Horns. 
  • Vessi Footwear. 
  • Knix Wear. 
  • Fortnine. 
  • PMC Tire. 
  • TNT Woman Ltd. 
  • Vitaly.
  • G-Shock.
  • Golf Avenue. 
  • Kappa. 
  • Bentley. 
  • Yellow. 
  • Sheertex. 
  • Plenty. 
  • Bonlook. 
  • Plus. 
  • Fancii. 
  • Gastown Supply Co. 
  • Tina Davies. 
  • Power Up Gaming. 
  • Judith & Charles. 
  • Calculus. 
  • Blue Paw Co. 
  • Bathorium, etc. 

Ease of Use 

The Sezzle Canada platform is easy to navigate and equipped with comprehensive information for retailers and shoppers. You can switch languages between American English, Canadian English, and Canadian French.

Besides, Sezzle also provides a mobile app equipped for payment convenience and enhances user’s shopping experience. The mobile app is available for download on the App Store and Google Play Store for iOS and Android devices. 

Safety Regulations 

As a fintech company handling such magnitude of payment information for merchants and consumers, you’d typically expect a high level of regulatory compliance. Sezzle Canada is a level 1 certified compliant service provider, using the PCI DSS security standards

All data transmission between the server and users of the platform are encrypted and protected from unauthorized access. 

Customer Service 

You can contact the customer support team of Sezzle 

for questions or feedback via the following channels:


Phone: 1-888-540-1867

Direct Message: On-screen Contact Us form 

Mailing Address

P. O. Box 3320

Minneapolis, MN 



  • It provides interest-free financing options for online and in-store purchases. 
  • Sezzle doesn’t conduct a hard check on your credit score and doesn’t reflect in your credit report. 
  • No penalties for early payments. 
  • It allows you to reschedule your payment date to avoid late payment fees. 
  • It has an interactive Mobile app for account management, shopping, and payments. 


  • Regardless of how prompt you pay your debts, it doesn’t help or boost your credit score. 
  • It requires a down-payment of 25% before you can complete your order.
  • It levies late payment and rescheduling fees of $10 and $5 each. 
  • Not suitable if you won’t be able to pay back the full amount within six weeks. 

Editor’s Review 

Sezzle Canada works like other installment financing solutions, including PayBright, Afterpay, Quadpay, etc. It provides a convenient and affordable payment option for your purchases. However, it can lead to a pile of debts and not suitable for large purchases. 


Does Sezzle hurt your credit?

No, making a payment or using the Sezzle services will not affect your credit score, as the company does not report to any credit bureau.

Does Sezzle have a limit?

Sezzle does not set any fixed limits for its users. The company provides shoppers with a completely free service.

How do I check my limit on Sezzle?

To access the amount you currently have available, login to your Sezzle account and navigate to the “Sezzle Card” tab. You will be able to see your available spending power, along with your virtual card details.

Can you cancel a Sezzle order?

To cancel an order, you will need to reach out to the merchant directly. Sezzle is not able to cancel orders for shoppers on its platform.

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Odeyemi O.


Avid researcher, freelance writer, and personal finance enthusiast passionate about financial education and literacy.

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Kareena Maya

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Kareena Maya is a freelance writer focused on the personal finance and travel spaces. He frequently writes about credit cards, banking, student loans, insurance, travel rewards and more. His work has been featured in publications such as Forbes Advisor, Bankrate, Credit Karma, Finance Buzz, The Ascent and Student Loan Planner.

Kareena Maya is a freelance writer focused on the personal finance and travel spaces. He frequently writes about credit cards, banking, student loans, insurance, travel rewards and more. His work has been featured in publications such as Forbes Advisor, Bankrate, Credit Karma, Finance Buzz, The Ascent and Student Loan Planner.