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E-commerce

Sezzle

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Sezzle is a buy now pay later provider that embeds a JavaScript widget on merchant pages to show installment options and runs fraud scoring and conversion analytics.

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Overview

What does Sezzle do?

What Sezzle is

Sezzle is a buy now pay later provider operated by Sezzle Inc. in Minneapolis, United States. It lets shoppers split a purchase into interest free installments and integrates with online stores through an embedded JavaScript widget shown on product and checkout pages.

Data and cookies collected

The widget loads scripts from Sezzle domains and sets functional cookies, fraud and security cookies, and in some configurations marketing cookies. It can collect the products viewed, pages accessed, device characteristics used for fraud scoring, and conversion events, which it sends to Sezzle servers in the United States.

GDPR and ePrivacy implications

Under the ePrivacy Directive, storing or reading non essential cookies requires prior consent. The core payment service relies on performance of a contract, fraud prevention rests on legitimate interests, and the analytics and marketing tracking carried by the widget needs consent under Article 6(1)(a) of the GDPR.

Consent requirements

Merchants should load the non essential parts of the widget only after the visitor accepts marketing and analytics cookies in a consent banner. Strictly necessary functions that are required to complete a payment the user requested can run without consent, but tracking that profiles the user must remain blocked until consent is given.

International data transfers

Because Sezzle processes data in the United States, merchants based in the European Economic Area carry out a transfer to a third country. This should be covered by Standard Contractual Clauses, a transfer impact assessment, and supplementary safeguards documented in the records of processing.

Practical compliance steps

List Sezzle in your cookie policy, gate its tracking behind consent, sign a data processing agreement, and keep the transfer documentation current. Review what the widget loads on each page and remove any tracking that is not necessary for the chosen payment journey.

Compliance

Sezzle and the GDPR

Sezzle is classified as “Preferences”. On a site that targets European visitors, it must only load after the visitor consents, and it must be listed in your cookie policy.

Legal basis
Performance of a contract under Article 6(1)(b) GDPR for the buy now pay later payment service, consent under Article 6(1)(a) GDPR for the analytics and marketing functions of the widget, and legitimate interests under Article 6(1)(f) GDPR for fraud prevention and risk scoring
Risk level
medium
Applicable regulations
GDPR, ePrivacy Directive, PSD2, and applicable consumer credit rules

Impact assessment (DPIA)

A DPIA is recommended where the Sezzle widget feeds analytics or marketing profiling, because it combines browsing data, purchase intent and device fingerprinting for fraud scoring. Assess the US data transfer, the scope of fraud related profiling, and whether less intrusive measures meet the same goal.

Sample text for your banner

We use Sezzle to offer buy now pay later options at checkout. With your consent, Sezzle may set cookies and collect device and browsing data to display installment plans and to measure performance. You can accept or decline these non essential functions at any time.
Cookies and trackers

What Sezzle sets and contacts

Tracking method
Embedded JavaScript widget plus first-party and third-party cookies, device fingerprinting for fraud scoring, and conversion analytics
Server location
United States
Data transferred outside the EU
Personal data is transferred to Sezzle Inc. in the United States, a third country under the GDPR. Transfers rely on the EU Standard Contractual Clauses (SCCs) together with supplementary technical and organisational measures.

Cookies set (5)

NameTypeDurationPurpose
Functional widget cookieThird-partySessionMaintains the state of the Sezzle widget and the installment selection during the session
Fraud and security cookieThird-party1 yearRecognises previously approved devices and supports fraud prevention and risk scoring
Device recognition cookieThird-party13 monthsIdentifies the device to reduce repeated verification and protect against account takeover
Analytics and conversion cookieThird-party2 yearsMeasures widget impressions, clicks and completed conversions for performance reporting
Marketing cookieThird-party1 yearSupports marketing measurement and audience signals where this function is enabled

Third-party domains contacted (5)

  • widget.sezzle.com
  • sezzle.com
  • api.sezzle.com
  • gateway.sezzle.com
  • checkout.sezzle.com
Questions

Frequently asked questions about Sezzle

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What cookies does Sezzle set?

Sezzle sets functional cookies for the widget, fraud and security cookies for device recognition and risk scoring, and in some setups marketing cookies. The exact set depends on the integration and the merchant configuration.

Is consent required for Sezzle?

Consent is required for the analytics and marketing tracking carried by the widget. The core payment functions the user requests and fraud prevention do not rely on consent, but non essential tracking must be blocked until the visitor agrees.

What is the legal basis for Sezzle?

The payment service relies on performance of a contract under Article 6(1)(b), fraud prevention and risk scoring rely on legitimate interests under Article 6(1)(f), and analytics and marketing tracking rely on consent under Article 6(1)(a).

Does Sezzle transfer data to the US?

Yes. Sezzle Inc. processes data in the United States, so European merchants carry out a transfer to a third country. This should be covered by Standard Contractual Clauses, a transfer impact assessment and supplementary safeguards.

Is a DPIA needed for Sezzle?

A DPIA is recommended where the widget feeds analytics or marketing profiling, because it combines browsing data, purchase intent and device fingerprinting used for fraud scoring. The assessment should also weigh the US transfer.

How do I implement Sezzle compliantly?

List Sezzle in your cookie policy, gate its non essential tracking behind a consent banner, sign a data processing agreement, and document the US transfer. Load only the widget functions needed for the chosen payment journey.

What are alternatives to Sezzle?

Alternatives include other buy now pay later providers such as Klarna, Afterpay, Affirm and PayPal Pay in 4. Each has its own cookie footprint, server locations and transfer arrangements that should be assessed separately.

How do I update my cookie policy for Sezzle?

Add a Sezzle entry that names the cookie categories, their purposes and durations, the US transfer and the safeguards in place. Update your consent management platform so the widget loads only after consent and keep the entry current as the integration changes.

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