Sezzle is a buy now, pay later provider. The customer is established at Sezzle checkout and every later charge is made against that customer, so card data is never sent.

Supported Functionality

Feature	Supported
Authorization	✅
Capture	✅
Refund	✅
Void	❌ Full refund issued
Card Tokenization	✅ Customer token
Dynamic Merchant Descriptors	❌
3D Secure	❌
$0 Transactions	❌

Setup

To connect a Merchant using the Sezzle Gateway,

First add Merchant
Select Sezzle as the Gateway
Add Gateway Details as outlined below

Gateway Details	Description
Public Key*	provided by Sezzle
Private Key*	provided by Sezzle
Sandbox	Check this box if these are sandbox credentials. When checked, requests are sent to the Sezzle sandbox environment.
Merchant Payment Methods*	The types of payment methods this merchant accepts — Sezzle only.
Merchant Default Currency*	Default currency that will be used, if currency is not specified
Merchant Currencies*	All currencies accepted on this merchant
Bypass $0 Transaction Authorizations	Sezzle declines $0 sales. Check this box to bypass Sezzle entirely for $0 transactions and treat them as successful. This setting only applies to initial transactions — $0 renewals will always bypass the gateway. Learn more about $0.00 transaction handling.

*Required

Supported Payment Methods

Sezzle

Void

Sezzle has no void operation.
Voiding a transaction in Vrio issues a full refund of the original charge instead.

Card Tokenization

Vrio stores the Sezzle customer established at checkout and reuses it for every later charge, so renewals do not send the customer back through checkout.

The stored value is a Sezzle customer reference rather than a card token — Vrio never sees or sends card data for a Sezzle order.

Dynamic Merchant Descriptors

Vrio does not send a descriptor to Sezzle with the charge.

3D Secure

Sezzle does not accept 3D Secure authentication data. Authentication values passed with an order are not sent to the gateway.

Checkout Redirect

Sezzle establishes the customer at its own checkout, so the first charge cannot complete in a single call. Vrio returns a response_code: 101 with the Sezzle checkout URL in the post_data field.

Send the customer to that URL. Once they have approved the payment plan and are returned to your redirect_url, complete the order with POST /orders/{order_id}/complete.

For handling the 101 response code, see Handling 101 Response Codes.

Testing

Note : Placing test orders using Sezzle test cards will not automatically set the order as a test in Vrio. Be sure to flag the order as a test using the is_test flag after the order is processed. For more details on placing test orders, click here.

For Sezzle test cards, check here.