How do refunds work?

How refunds are processed at Sezzle.

Written By Breanna Lien (Super Administrator)

Updated at November 13th, 2019

When a merchant issues a refund, we process the appropriate changes to your Sezzle account. You'll receive an email from us once the refund has been issued, and you can always view the refund details by logging into your Sezzle account.

We always recommend looking at the merchant's refund policy on their website, as some merchants do not refund shipping costs or only issue store credit.

Because the merchant is unaware of how many payment installments you have left, or the outstanding amount of your order, they may provide information about your refund that looks different from what you see in your Sezzle dashboard.

Refunds may appear on your original payment method in smaller amounts, equal to each installment, or as one lump sum.

Full refunds

When the merchant issues the complete order amount as a refund, all outstanding installments are canceled. Any installments that have been paid will be refunded back to the original payment method.

Typically, the funds post back to your original payment method within 3 business days, though it can take up to 10.



Partial refunds

When the merchant issues any refund amount that is less than the total order, we consider that to be a partial refund.

We begin by taking the amount that the merchant refunds and applying it to your final installment - either reducing it or canceling it completely. If there is still some refund remaining, we'll then apply that to the next installment, working backward until there is no refund amount remaining.

You will only receive a credit to your original payment method if the refund amount is greater than all outstanding installments.

Example 1: You placed a $100 order, and have paid one installment of $25. You have three remaining $25 installments. The merchant issues a $25 refund. The 4th installment ($25) is canceled, the 2nd and 3rd installments are still due, and no credit is sent to your original payment method.

Example 2: You placed a $100 order, and have paid one installment of $25. You have three remaining $25 installments. The merchant issues a $76 refund. All remaining installments are canceled, which total up to $75. The remaining $1 is credited to your original payment method.

Typically, the funds post back to your original payment method within 3 business days, though it can take up to 10.



Store credit

If the merchant issues store credit, no changes are made to your Sezzle account. All outstanding installments will still be due, and no credit will be sent to your payment method. In these cases, the Sezzle payments are essentially going towards paying for a gift card.



Common refund questions:

The refund went to a closed account/card

Due to industry regulations, we can only issue refunds back to the payment method that was used to make the payment. 

In some cases, like a closed or expired card, the bank or card company is able to recognize that the refund was for a closed card and post it to the updated card.

If the refund is sent to an account that has been closed, some banks or card companies will re-open the account or mail a physical check.

In all cases, we recommend reaching out to the specific financial institution and clarifying with them.



I didn't get my full refund

We always recommend checking your Sezzle dashboard to verify the refund amount.

If you feel like the overall amount refunded wasn't correct, please reach out to the merchant directly. They will be able to explain why they issued the amount - it could be that they have a restocking fee or that they don't refund shipping costs.

If the overall amount refunded is correct, but it hasn't been posted correctly to your original payment method, please double-check the methods used for each installment. Often, one installment will be paid on one card, but the rest of the installments will be paid to a different card - so the refund will be broken up across two payment methods.



It's been 10 business days and I haven't gotten my refund

If 10 business days have passed, and you still haven't received the funds back to your original payment method, we recommend first reviewing the order in your Sezzle dashboard. It might be that some or all of the order was paid on a different payment method, or that the merchant only issued enough of a refund for installments to be canceled.

If you've checked that, and still haven't received your refund, please reach out to us at shoppersupport@sezzle.com.







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