Sezzle B-Corp BNPL United States • 6.00% + $0.30
Sezzle Merchant United States Fee Calculator
Calculate exact merchant fees for Sezzle Pay in 4 (6.00%), volume tiers, and net payout in USD.
$
Presets:
Sezzle Plan Details
6.00% + $0.30 standard US merchant rate.
Total Sezzle Merchant Fee
0.00% Effective
$0.00
Merchant Processing Deduction
Customer Order Total: $0.00
Percentage Rate (0%): $0.00
Fixed Transaction Cut: $0.00
Net Merchant Payout
$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
-
Direct processor cut/yr
3-Year Outflow
-
Cumulative friction
5-Yr Future Wealth
-
Lost @ 8% investment
Profit Drag %
-
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)
-
Active Baseline
ACH Direct Debit
-
Save +$0.00
In-Person Terminal
-
2.6% + 10¢
Int'l Card (+1.5% FX)
-
Cross-Border Markup
%
Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
%
Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
Target Net Payout
-
Compliant Surcharge
-
Final Gross Invoice
-
⚖️ 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
Recent Calculations (Click to Restore)
No calculations recorded yet
Frequently Asked Questions about Sezzle in United States
1. What are official Sezzle merchant fees in 2026? ▼
In the US, Sezzle charges merchants 6.00% + $0.30 per transaction on standard accounts, and 4.50% + $0.30 for high-volume merchants processing over $40,000 monthly.
2. Why is Sezzle considered the ethical BNPL provider? ▼
Sezzle is a Certified B Corp that offers Sezzle Up, allowing responsible shoppers to build credit by reporting on-time payments to Experian, TransUnion, and Equifax.
3. Does Sezzle pay merchants upfront? ▼
Yes. Sezzle transfers full order funds (minus processing fees) directly to your bank account within 1 to 2 business days.
4. Does Sezzle protect merchants from non-paying customers? ▼
Yes. Sezzle takes 100% of consumer credit and repayment risk. Merchants are never penalized for consumer installment defaults.
5. Can US merchants surcharge Sezzle payments? ▼
No. Merchant partner agreements prohibit adding credit surcharges specifically to Sezzle checkouts.
6. What happens during order returns with Sezzle? ▼
Issuing a return automatically updates or cancels the buyer's remaining installments. Transaction processing fees remain non-refundable.
7. How does Sezzle integrate with eCommerce platforms? ▼
Sezzle integrates with Shopify, WooCommerce, BigCommerce, Magento, and Salesforce Commerce Cloud via official plugins.
8. Are Sezzle merchant fees tax-deductible in the US? ▼
Yes. All transaction fees are 100% tax-deductible business operating expenses on corporate and Schedule C tax filings.