Zip vs Sezzle

Zip9.1Visit Sezzle8.7Visit

Higher score Zip #4 in Buy Now, Pay Later Platforms 9.1/10 Free plan Free plan✓ 1 of 1 features Visit Zip

vs

Sezzle #8 in Buy Now, Pay Later Platforms 8.7/10 Free plan · pricing on request Free plan✓ 1 of 1 features Visit Sezzle

• Zip fits best

  US, Australian, and NZ merchants

• Sezzle fits best

  US and Canadian ecommerce merchants

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Side by side

Feature	Zip 9.1/10 Visit ↗	Sezzle 8.7/10 Visit ↗
At a glance
Editor score	9.1	8.7
Ranking	#4 in Buy Now, Pay Later Platforms	#8 in Buy Now, Pay Later Platforms
Best for	US, Australian, and NZ merchants	US and Canadian ecommerce merchants
Pricing model	Free plan + paid	Free plan + paid
Starting price	—	Free plan · pricing on request
Free plan	✓	✓
Free trial	—	—
Deployment	Cloud, Mobile	Cloud, Mobile
Platforms	Web, iOS, Android	Web, iOS, Android
Integrations	5 integrations	8 integrations
Features Zip 1/1 · Sezzle 1/1
Merchant dashboard	✓	✓
Specs
Checkout channels	Omnichannel	Omnichannel
Repayment terms	2 payments; 4 biweekly payments; 8 payments; Australia: weekly, fortnightly, or monthly schedules; up to 5 years interest-free terms	Pay in 4: 25% down payment plus three payments every two weeks over six weeks; other options may run from 3 to 48 months
Merchant platforms	BigCommerce; Magento 2; Salesforce; Shopify; WooCommerce	Shopify, Shopify Plus, WooCommerce, Commercold, BigCommerce, Magento, Salesforce, Wix
Merchant settlement	Scheduled	Scheduled
Consumer regions	United States; Australia; New Zealand	United States and Canada
Our review
Pros	Online, in-store, and in-app checkout support Reporting, refunds, payouts, and dispute management Plugins, SDK access, APIs, and scheduled settlement	Supports online checkout and in-store acceptance Offers Pay in 4 and longer repayment terms Includes settlement tracking and eight ecommerce integrations
Cons	Transactional pricing starts at 5.9% + 30¢ per transaction Custom solutions are aimed at enterprise businesses Consumer availability centers on the US, Australia, and New Zealand	Merchant pricing is primarily transaction-based and requires a sales contact Consumer availability varies by location, purchase, and eligibility Longer-term financing options vary by merchant and purchase
Our verdict	Zip provides buy now, pay later payment services for merchants and consumers across online, in-store, and in-app checkout. Its merchant offering suits businesses in the United States, Australia, and New Zealand that need installment… Read the review →	Sezzle is a buy now, pay later platform for merchants and consumers in the United States and Canada. Merchants can offer financing through online checkout, in-store transactions using the Sezzle Virtual Card, and ecommerce integrations.… Read the review →

Strengths and trade-offs

• Zip — where it wins

  • Online, in-store, and in-app checkout support
  • Reporting, refunds, payouts, and dispute management
  • Plugins, SDK access, APIs, and scheduled settlement

  Where it doesn't

  • Transactional pricing starts at 5.9% + 30¢ per transaction
  • Custom solutions are aimed at enterprise businesses
  • Consumer availability centers on the US, Australia, and New Zealand

• Sezzle — where it wins

  • Supports online checkout and in-store acceptance
  • Offers Pay in 4 and longer repayment terms
  • Includes settlement tracking and eight ecommerce integrations

  Where it doesn't

  • Merchant pricing is primarily transaction-based and requires a sales contact
  • Consumer availability varies by location, purchase, and eligibility
  • Longer-term financing options vary by merchant and purchase

• Zip9.1/10 · Free plan

  An omnichannel BNPL platform for merchants needing flexible repayments and settlement tools.

  Visit ZipFull verdict →
• Sezzle8.7/10 · Free plan · pricing on request

  A flexible BNPL option for US and Canadian merchants with omnichannel checkout.

  Visit SezzleFull verdict →