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Sezzle
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Sezzle Company Overview

Sezzle logo

Sezzle

● Active
Payments · Minneapolis, Minnesota · Est. 2016
FintechBNPLPaymentsSaaS↗ Website
$1.5B
Valuation
$115M
Revenue
400
Employees
2016
Founded

Sezzle is a publicly traded buy now, pay later (BNPL) fintech company headquartered in Minneapolis, Minnesota, enabling consumers to split purchases into 4 interest-free installments at checkout. Founded in 2016, Sezzle partners with thousands of online merchants across the U.S. and Canada, offering underwriting through its proprietary credit decisioning platform and generating revenue from merchant fees and its Sezzle Premium subscription.

Recent Press
5 items
Product Launch·2026-03-07
Sezzle Accelerates Super App Strategy with AI Shopping Assistant and Sezzle Mobile Plans
Sezzle announced its 2026 super app roadmap including an AI-powered shopping assistant, Sezzle Mobile wireless service, enhanced long-term lending with higher credit limits, and a receipt scanning and rewards feature.
Press Release·2026-02-25
Sezzle Issues 2026 Guidance for 25–30% Revenue Growth and $4.70 Adjusted EPS
Sezzle guided 2026 revenue growth of 25–30% and adjusted net income of $170 million ($4.70 adjusted EPS, +30.9%), with upside potential from new products including Sezzle Mobile wireless service and AI shopping assistant.
Press Release·2026-02-25
Sezzle Posts 2025 Revenue of $450 Million, Up 66%, Net Income of $133 Million
Sezzle reported full-year 2025 total revenue of $450.3 million (+66.1% YoY) and net income of $133.1 million with adjusted EBITDA of $187.7 million and a 41.7% EBITDA margin.
Press Release·2026-02-25
Sezzle Q4 2025 GMV Hits Record $1.2 Billion, Up 35% Year-Over-Year
Sezzle's Q4 2025 gross merchandise value reached a record $1.2 billion (+35.3% YoY), driven by BNPL adoption growth and expanding merchant partnerships across its digital payment platform.
Press Release·2025-12-15
Sezzle Approves Additional $100 Million Share Repurchase Program
Sezzle's board authorized an additional $100 million stock repurchase in December 2025 following completion of a prior $50 million program, having repurchased 2.9 million shares to date at an average price of $24.03.
Company History
8 milestones
Charlie Youakim and Paul Paradis founded Sezzle in Minneapolis, Minnesota to provide an interest-free BNPL payment option for underserved consumers with limited credit histories, targeting Gen Z and millennial online shoppers.

Sezzle Organization Structure & Team

Org Chart
400 employees · Click a leader to explore their team
415 across 12 departments
Chief Executive Officer
Charlie Youakim
Lee Brading — Departments
· 415 people across 12 depts

Sezzle Financials, Revenue & Market Share

Annual Revenue
$115M
+15% vs prior year
YoY Growth
+15%
From $31M to $115M
Revenue / Employee
$250K
Annual revenue per full-time employee
Revenue Growth
2020
2021
2022
2023
2024
2025
$31M
$68M
$73M
$83M
$100M
$115M
Market Share
U.S. BNPL Market by Transaction Volume
3%
share
Afterpay (Block)
28%
Klarna
24%
Affirm
22%
PayPal Pay Later
18%
Sezzle
3%
$680B
TAM
$35B
SAM
$100M
SOM
Revenue Streams
Merchant Fees48%
Sezzle Premium Subscriptions42%
Consumer Late Fees7%
Other Revenue3%
Business Units
Consumer BNPL (Sezzle Pay)48%
Core 4-payment BNPL product generating merchant fee revenue across 47,000+ merchant partners and powering the majority of Sezzle's gross merchandise volume.
Sezzle Premium42%
High-margin subscription business serving 325,000+ paid subscribers with extended payment flexibility, virtual card access, and premium perks driving recurring revenue growth.
Platform & Services10%
White-label BNPL API, enterprise merchant integrations, and consumer financial services including credit reporting to help consumers build credit history via Sezzle purchases.

Sezzle Internal Tools & Processes

Internal Tools
12 departments
Engineering & Platform90 people · 3 roles
Standards & Certifications
10 standards
Compliance frameworks, security audits, and quality certifications this company maintains.
Security
PCI DSS Level 1
Certified
Sezzle maintains PCI DSS Level 1 compliance — the highest tier for payment processors — governing secure handling of consumer payment card data across the Sezzle Pay and Sezzle Virtual Card transaction processing infrastructure.
Security
SOC 2 Type II
Certified
Sezzle's platform infrastructure undergoes annual SOC 2 Type II audits covering security, availability, and confidentiality controls for the merchant API, consumer data storage, and credit decisioning systems.
Privacy
CCPA
Compliant
Sezzle complies with the California Consumer Privacy Act (CCPA), providing California consumers with data access, deletion, and opt-out rights for personal information used in Sezzle's credit decisioning and marketing systems.
Regulatory
CFPB BNPL Guidelines
Compliant
Sezzle complies with CFPB supervisory expectations for BNPL providers, including fee disclosure transparency, dispute resolution processes, and credit reporting practices per the CFPB's 2022 BNPL market report guidance.
Privacy
GDPR
Compliant
Sezzle's operations in Canada and any EU-facing data transfers comply with GDPR, with data processing agreements and privacy controls governing consumer personal data collected during the Sezzle Pay installment process.
Security
ISO 27001
Certified
Sezzle's information security management system is ISO 27001 certified, governing cybersecurity controls for consumer financial data, merchant integration APIs, and the AI-powered credit decisioning platform.
Regulatory
NMLS Licensing
Certified
Sezzle holds state-by-state consumer lending licenses through the Nationwide Multistate Licensing System (NMLS), authorizing Sezzle to offer installment payment products across all 50 U.S. states and comply with state-specific lending regulations.
Regulatory
FCRA Compliance
Compliant
Sezzle complies with the Fair Credit Reporting Act (FCRA) in its credit reporting practices, including the optional Sezzle Up program that reports on-time payments to credit bureaus to help consumers build credit history.
Accessibility
WCAG 2.1 AA
Compliant
Sezzle's buy-now-pay-later checkout flow and consumer-facing account management portal conform to WCAG 2.1 AA accessibility guidelines, ensuring that shoppers of all abilities can access installment payment options without friction.
Regulatory
UDAAP
Compliant
Sezzle complies with the CFPB's Unfair, Deceptive, or Abusive Acts or Practices standards, ensuring that its buy-now-pay-later product disclosures, fee structures, and consumer communications are transparent, fair, and non-misleading.

Sezzle Interview Preparation

Interview Prep
Role-specific interview questions and keywords. Select a department, then click any role to prepare.
Engineering & Platform· 3 roles

Sezzle Products & Competitors

Product Suite
4 products · select one to explore
Payments
Software
Sezzle Premium
More power. More flexibility.

Sezzle Premium is a subscription service ($17.99/month or $149.99/year) that gives consumers access to extended repayment terms, virtual card functionality for in-store use anywhere Visa is accepted, and premium perks including reschedule forgiveness and spending limit increases. It serves frequent BNPL users who want greater flexibility beyond the standard 4-payment plan.

Use Cases
Frequent shoppers who need flexible payment rescheduling across multiple active Sezzle orders without penalty feesIn-store BNPL shopping at any Visa-accepting retailer using the Sezzle Premium virtual cardHigher-spend consumers who need increased credit limits beyond Sezzle's standard approval thresholds for larger purchases
No image
Key Customers
SHO
Frequent Online Shoppers
MIL
Budget-Conscious Millennials
GEN
Gen Z First-Time Buyers
Competitive Intelligence
VSAffirm Plus
THEM

Affirm Plus is Affirm's subscription membership program that offers cardholders zero-interest installment plans and other shopping perks for a monthly fee.

EDGE

Virtual card enables in-store BNPL at any Visa merchant, extending BNPL beyond online-only use cases

VSKlarna One
THEM

Klarna One is Klarna's unified checkout solution that consolidates multiple payment methods and buy now, pay later options into a single streamlined experience for online merchants and their shoppers.

EDGE

Lower monthly subscription cost relative to Klarna's equivalent premium tier

VSPayPal Pay Later
THEM

PayPal Pay Later is PayPal's buy now, pay later offering enabling consumers to split purchases into four interest-free payments over six weeks or monthly installments, available at millions of PayPal-accepting merchants globally.

EDGE

Subscription model creates recurring revenue and deeper consumer loyalty vs. transaction-only models