Sezzle B-Corp BNPL Canada • 6.00% + CA$0.30
Sezzle Merchant Canada Fee Calculator
Calculate exact merchant fees for Sezzle Pay in 4 (6.00%), volume tiers, and net payout in CAD.
CA$
Presets:
Sezzle Plan Details
6.00% + CA$ 0.30 Canadian merchant processing rate.
Total Sezzle Merchant Fee
0.00% Effective
CA$0.00
Merchant Processing Deduction
Customer Order Total: CA$0.00
Percentage Rate (0%): CA$0.00
Fixed Transaction Cut: CA$0.00
Net Merchant Payout
CA$0.00
Social Impact
Certified B-Corp
In Plain English: Calculating payout breakdown...
Fee Wealth Leakage Radar & Profit Drag
Payment Volume: 20 / month
Your Net Profit Margin: 20% Margin
5% (Low Margin Ecom) 20% (Agency) 50% (SaaS/Digital)
Annual Fee Drain
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Direct processor cut/yr
3-Year Outflow
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Cumulative friction
5-Yr Future Wealth
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Lost @ 8% investment
Profit Drag %
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Of your net profit taken
Bottom-Line Net Profit Split:
85.3% Kept
14.7% Absorbed by Fee
Multi-Rail Arbitrage ("Switch & Save")
Sezzle (Current)
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Active Baseline
ACH Direct Debit
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Save +$0.00
In-Person Terminal
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2.6% + 10¢
Int'l Card (+1.5% FX)
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Cross-Border Markup
%
Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
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Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
Target Net Payout
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Compliant Surcharge
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Final Gross Invoice
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⚖️ 2026 Legal Surcharging Compliance Rules:
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
Client Invoice Message
Bookkeeping Journal Entry
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Frequently Asked Questions about Sezzle in Canada
1. What are Sezzle fees for Canadian merchants in 2026? ▼
In Canada, Sezzle charges merchants 6.00% + CA$ 0.30 per completed 'Pay in 4' order.
2. How does Sezzle benefit Canadian eCommerce stores? ▼
Offering Sezzle increases checkout conversion by 20%–30% and boosts average order value (AOV) by up to 35% among Canadian consumers.
3. How fast do Sezzle payouts deposit into Canadian banks? ▼
Funds clear within 1 to 2 business days into Canadian commercial bank accounts (RBC, TD, Scotiabank, BMO, CIBC).
4. Does Sezzle Canada assume all consumer credit risk? ▼
Yes. Sezzle guarantees 100% payout to the merchant upon fulfillment. The store carries zero bad-debt liability.
5. Can Canadian merchants surcharge Sezzle checkouts? ▼
No. Sezzle partner terms prohibit adding checkout surcharges to customers using Sezzle installments.
6. Does Sezzle integrate with Shopify in Canada? ▼
Yes. Sezzle is fully integrated into Shopify Canada with localized English and French checkout flows.
7. What dispute policies apply to Sezzle in Canada? ▼
Customer disputes are arbitrated within the Sezzle merchant portal, protecting retailers against standard card network chargeback fees.
8. Are Sezzle fees tax-deductible for Canadian businesses? ▼
Yes. All fees deducted are 100% deductible operating expenses on CRA corporate T2 returns.