name: Sezzle FinOps
description: >-
  Financial operations summary for merchants integrating with Sezzle. Covers
  transaction fees, settlement/payout timing, refund handling, and the interest
  account feature available to qualifying merchants.
costs:
  transactionFee:
    description: >-
      Standard rate charged to merchants per completed Sezzle order. Sezzle
      deducts this fee before remitting the net amount to the merchant.
    typical: '6% + $0.30 per transaction'
    notes: >-
      Rates vary by merchant; determined at onboarding based on product
      category, business age, and underwriting. Volume discounts available for
      high-GMV merchants.
  monthlyMinimumFee:
    description: >-
      If a merchant processes less than $300 USD in a 30-day period, a $15 USD
      account management fee is charged.
    amount: '$15 USD'
    threshold: Less than $300 USD processed in 30 days
  setupFee:
    description: No setup or onboarding fee.
    amount: '$0'
  chargebackFee:
    description: Not publicly specified. Contact Sezzle merchant support.
    amount: Not disclosed
settlements:
  description: >-
    Sezzle remits merchant payouts on a regular schedule. Settlement details,
    including payout summaries and itemized transaction data, are accessible via
    the API and the merchant dashboard.
  endpoints:
    - GET /v2/settlements/summaries — Retrieve payout summaries
    - GET /v2/settlements/details/{payout_uuid} — Export settlement CSV
  payoutSchedule: >-
    Standard payout timing is not publicly specified; merchants should refer
    to their merchant agreement or contact Sezzle support for payout cadence.
  currency: USD
refunds:
  description: >-
    Merchants can issue full or partial refunds via the API. Refunded amounts
    are deducted from future settlements. The original transaction fee is
    typically not refunded to the merchant on a refunded order (confirm with
    Sezzle merchant agreement).
  endpoint: POST /v2/order/{order_uuid}/refund
  partialRefunds: Supported
  fullRefunds: Supported
interestAccount:
  description: >-
    Sezzle offers an interest account feature for qualifying merchants, allowing
    them to earn interest on held balances. Account balance and activity are
    accessible via the API.
  endpoints:
    - GET /v2/interest/balance — Check interest account balance
    - GET /v2/interest/activity — View interest account activity
  notes: Eligibility and terms determined by Sezzle; not available to all merchants.
consumerFees:
  description: >-
    Consumer-facing fees for the Pay in 4 product range from $0 to $7.49
    depending on purchase price and Sezzle product. Example: a $300 purchase
    incurs a $7.49 service fee (45.0% APR). These fees are paid by the consumer,
    not the merchant.
  range: '$0 – $7.49 per transaction'
  apr: Up to 45.0% (service-fee based, not traditional interest)
references:
  - url: https://sezzle.com/pricing
    description: Consumer-facing pricing page
  - url: https://merchant-help.sezzle.com/hc/en-us/categories/16790131106196-Merchant-Fees-Payouts
    description: Merchant fees and payouts knowledge base
  - url: https://merchant-help.sezzle.com/hc/en-us/articles/360040495151
    description: How much does Sezzle cost? (merchant support article)
  - url: https://synder.com/blog/how-much-does-sezzle-charge-merchants/
    description: Third-party Sezzle merchant fee analysis