# Sezzle

> Source: https://docs.barcoder.ai/docs/wallets/sezzle
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Sezzle — official](https://sezzle.com/)

## Overview

**Sezzle** is **NASDAQ: SEZL US + Canada BNPL Buy Now Pay Later** + **2.86M active consumers +9.5% YoY 2025** + **412k unique merchants +nearly 2x YoY** + **748k Monthly On-Demand & Subscribers MODS +62% YoY 2025** + **Q2 2025 revenue $98.7M +76.4% YoY + GMV $927M +74.2% YoY all-time high** + **Q3 2025 revenue $116.8M +~3x YoY** + **Sezzle Anywhere 37% in-store orders BNPL momentum** <sup>[1][1], [2][2], [United States report](https://docs.barcoder.ai/docs/payments/US)</sup>. **2025 baseline**: Sezzle 2.86M active consumers +9.5% YoY + 412k unique merchants + 748k MODS +62% YoY + Q2 2025 revenue $98.7M +76.4% YoY + GMV $927M +74.2% YoY all-time high + Q3 2025 revenue $116.8M +~3x YoY; **Sezzle recasts BNPL model with subscriptions Sezzle Anywhere and eased rules** distinctive US BNPL subscription pivot; **37% of Sezzle Anywhere Orders Occur In-Store Amid BNPL Momentum** distinctive US BNPL in-store penetration.

**Distinctive Sezzle positioning**:
- **NASDAQ: SEZL US + Canada BNPL Buy Now Pay Later** (Sezzle Inc; Minneapolis HQ; Charlie Youakim founder + CEO)
- **2.86M active consumers +9.5% YoY 2025** distinctive US + Canada BNPL active consumer growth
- **412k unique merchants +nearly 2x YoY** distinctive US + Canada BNPL merchant adoption growth
- **748k Monthly On-Demand & Subscribers MODS +62% YoY 2025** distinctive US + Canada BNPL subscription pivot growth
- **Q2 2025 revenue $98.7M +76.4% YoY + GMV $927M +74.2% YoY all-time high** distinctive US + Canada BNPL Q2 revenue + GMV growth
- **Q3 2025 revenue $116.8M +~3x YoY** distinctive US + Canada BNPL Q3 revenue growth
- **Sezzle Anywhere 37% in-store orders BNPL momentum** distinctive US + Canada BNPL in-store penetration
- **Jul 30 2019 Sezzle ASX IPO under ticker SZL at AU$1.22 a share** distinctive US-Australian BNPL ASX listing
- **2023 Sezzle Australia operations collapse + Sezzle Nasdaq move + Feb 2023 profitability**
- **2016 Sezzle founding by Charlie Youakim + Killian Brackey + Paul Paradis in Minneapolis** distinctive US BNPL founder heritage

## History

**2016 — Sezzle founded by Charlie Youakim + Killian Brackey + Paul Paradis in Minneapolis** distinctive US BNPL founder heritage.

**Jul 30 2019 — Sezzle ASX IPO under ticker SZL at AU$1.22 a share** distinctive US-Australian BNPL ASX listing.

**2023 — Sezzle Australia operations collapse + Sezzle Nasdaq move + Feb 2023 profitability**.

**Q2 2025 — Sezzle revenue $98.7M +76.4% YoY + GMV $927M +74.2% YoY all-time high + 2.86M active consumers +9.5% YoY + 412k unique merchants +nearly 2x YoY + 748k MODS +62% YoY** <sup>[1][1], [2][2]</sup>.

**Q3 2025 — Sezzle revenue $116.8M +~3x YoY + GMV +59% YoY + Sezzle Anywhere 37% in-store orders BNPL momentum** <sup>[3][3]</sup>.

**2025 — Sezzle recasts BNPL model with subscriptions Sezzle Anywhere and eased rules** distinctive US BNPL subscription pivot.

## Ownership & operator

**Operating entity**: **Sezzle Inc** (NASDAQ: SEZL; US BNPL Buy Now Pay Later; Minneapolis HQ; Charlie Youakim founder + CEO).

**Major shareholders**: **Charlie Youakim (co-founder + CEO) + Killian Brackey (co-founder + CTO) + Paul Paradis (co-founder + Chief Revenue Officer) + retail + institutional + foreign investors + post-2023 NASDAQ listing**.

**Regulators**: **FDIC + state-level (US + Canada)**.

## Technical integration

Sezzle mobile app (iOS + Android; 2.86M active consumers +9.5% YoY 2025) + sezzle.com online + Sezzle Anywhere (virtual card BNPL for in-store + 37% in-store orders) + Sezzle Subscriptions (post-2025 BNPL subscription pivot); ACH + RTP + Interac CA; **Sezzle Anywhere 37% in-store orders BNPL momentum + Sezzle recasts BNPL model with subscriptions Sezzle Anywhere and eased rules + Sezzle Up + Sezzle Premium subscriptions** distinctive US + Canada BNPL subscription pivot + in-store penetration.

## Users & growth

**Q2 2025**: Sezzle 2.86M active consumers +9.5% YoY + 412k unique merchants +nearly 2x YoY + 748k MODS +62% YoY + revenue $98.7M +76.4% YoY + GMV $927M +74.2% YoY all-time high; **Q3 2025**: Sezzle revenue $116.8M +~3x YoY + GMV +59% YoY + Sezzle Anywhere 37% in-store orders BNPL momentum.

## Use cases

US + Canada retail + BNPL Buy Now Pay Later + Sezzle Anywhere virtual card BNPL for in-store + Sezzle Subscriptions BNPL via Sezzle mobile + sezzle.com online + Sezzle Anywhere; ACH + RTP + Interac CA; **Sezzle Anywhere 37% in-store orders BNPL momentum + Sezzle recasts BNPL model with subscriptions Sezzle Anywhere and eased rules + Sezzle Up + Sezzle Premium subscriptions** distinctive US + Canada BNPL subscription pivot + in-store penetration.

## Implementations & partners

**Operator**: Sezzle Inc (NASDAQ: SEZL; US BNPL Buy Now Pay Later; Minneapolis HQ; Charlie Youakim founder + CEO); Charlie Youakim (co-founder + CEO) + Killian Brackey (co-founder + CTO) + Paul Paradis (co-founder + Chief Revenue Officer) + retail + institutional + foreign investors + post-2023 NASDAQ listing.

**Major US + global BNPL Buy Now Pay Later competitors**: [Klarna](https://docs.barcoder.ai/docs/wallets/klarna) (Swedish + global BNPL; NYSE: KLAR post-Sep 11 2025 NYSE IPO ~$15B valuation; 111M+ users +31% YoY Q2 2025; 790k+ retailers; $1.37B raised in IPO) + [Affirm](https://docs.barcoder.ai/docs/wallets/affirm) (US BNPL; NASDAQ: AFRM; ~20M+ active customers + Affirm Card + Shopify Shop Pay Installments partnership) + [Afterpay (Clearpay in UK)](https://docs.barcoder.ai/docs/wallets/afterpay) (Australian BNPL; Block Inc Cash App acquired Jan 2022 for $29B all-stock deal; ~24M+ customers globally + 100k+ merchants) + [PayPal](https://docs.barcoder.ai/docs/wallets/paypal) (PayPal Pay Later; PayPal Holdings; NASDAQ: PYPL; BNPL total payment volume reached $33B in 2024, growing 21% YoY) + [Zip](https://docs.barcoder.ai/docs/wallets/zip) (Australian + global BNPL; ASX: ZIP; ~7M+ customers + 91k+ merchants) + [Tabby](https://docs.barcoder.ai/docs/wallets/tabby) (MENA BNPL; UAE + Saudi Arabia + Kuwait + Bahrain + Egypt; 18M+ users + 40k+ merchants; ~$3.3B valuation post-2024 Series D) + [Tamara](https://docs.barcoder.ai/docs/wallets/tamara) (Saudi MENA BNPL; Tamara; 10M+ users; ~$1B valuation post-2024 Series C; Saudi Arabia + UAE + Kuwait + Bahrain) + Bazo (Egyptian BNPL by Bazo) + [Atome](https://docs.barcoder.ai/docs/wallets/atome) (Singapore + Southeast Asian BNPL; Advance Intelligence Group; ~10M+ users + 40k+ merchants).

**Regulators**: FDIC + state-level (US + Canada).

## Fun facts

- **NASDAQ: SEZL US + Canada BNPL Buy Now Pay Later** (Sezzle Inc; Minneapolis HQ; Charlie Youakim founder + CEO).
- **2.86M active consumers +9.5% YoY 2025** distinctive US + Canada BNPL active consumer growth.
- **412k unique merchants +nearly 2x YoY** distinctive US + Canada BNPL merchant adoption growth.
- **748k Monthly On-Demand & Subscribers MODS +62% YoY 2025** distinctive US + Canada BNPL subscription pivot growth.
- **Q2 2025 revenue $98.7M +76.4% YoY + GMV $927M +74.2% YoY all-time high** distinctive US + Canada BNPL Q2 revenue + GMV growth.
- **Q3 2025 revenue $116.8M +~3x YoY** distinctive US + Canada BNPL Q3 revenue growth.
- **Sezzle Anywhere 37% in-store orders BNPL momentum** distinctive US + Canada BNPL in-store penetration.
- **Jul 30 2019 Sezzle ASX IPO under ticker SZL at AU$1.22 a share** distinctive US-Australian BNPL ASX listing.
- **2023 Sezzle Australia operations collapse + Sezzle Nasdaq move + Feb 2023 profitability**.
- **2016 Sezzle founding by Charlie Youakim + Killian Brackey + Paul Paradis in Minneapolis** distinctive US BNPL founder heritage.

## Comparison

| Feature | Sezzle | [Klarna](https://docs.barcoder.ai/docs/wallets/klarna) (Swedish + global BNPL rival; NYSE: KLAR post-Sep 11 2025 NYSE IPO ~$15B valuation; 111M+ users +31% YoY Q2 2025; 790k+ retailers) | [Affirm](https://docs.barcoder.ai/docs/wallets/affirm) (US BNPL rival; NASDAQ: AFRM; ~20M+ active customers + Affirm Card + Shopify Shop Pay Installments partnership) | [Afterpay (Clearpay in UK)](https://docs.barcoder.ai/docs/wallets/afterpay) (Australian BNPL rival; Block Inc Cash App acquired Jan 2022 for $29B all-stock deal; ~24M+ customers globally) | [PayPal](https://docs.barcoder.ai/docs/wallets/paypal) (PayPal Pay Later rival; BNPL total payment volume reached $33B in 2024, growing 21% YoY) |
|---|---|---|---|---|---|
| Operator | **Sezzle Inc (NASDAQ: SEZL; US BNPL Buy Now Pay Later; Minneapolis HQ; Charlie Youakim founder + CEO)** | Klarna Bank AB (NYSE: KLAR post-Sep 11 2025 NYSE IPO ~$15B valuation; Swedish BNPL) | Affirm Holdings (NASDAQ: AFRM; US BNPL) | Afterpay (Block Inc Cash App subsidiary post-Jan 2022 $29B all-stock acquisition) | PayPal Holdings (NASDAQ: PYPL) |
| Type | **NASDAQ: SEZL US + Canada BNPL Buy Now Pay Later + 2.86M active consumers +9.5% YoY 2025 + 412k unique merchants +nearly 2x YoY + 748k MODS +62% YoY + Q2 2025 revenue $98.7M +76.4% YoY + GMV $927M +74.2% YoY all-time high + Q3 2025 revenue $116.8M +~3x YoY + Sezzle Anywhere 37% in-store orders BNPL momentum + Sezzle recasts BNPL model with subscriptions** | Swedish + global BNPL + NYSE: KLAR post-Sep 11 2025 NYSE IPO ~$15B valuation + $1.37B raised in IPO (largest IPO of 2025) + 111M+ users +31% YoY Q2 2025 + 790k+ retailers + Sweden 30% BNPL usage increase since 2020 | US BNPL + NASDAQ: AFRM + ~20M+ active customers + Affirm Card + Shopify Shop Pay Installments partnership | Australian BNPL + Block Inc Cash App acquired Jan 2022 for $29B all-stock deal + ~24M+ customers globally + 100k+ merchants | PayPal Pay Later + PayPal Holdings + BNPL total payment volume reached $33B in 2024 +21% YoY + 2x purchase volume vs standard checkout |
| Country | US + CA | 24 countries (SE + DE + US + GB + AU + others) | US + CA + UK + EU (limited) | 23+ countries (AU + US + CA + GB + NZ + EU + others) | 200+ countries |
| Distinctive | **2016 Sezzle founding by Charlie Youakim + Killian Brackey + Paul Paradis in Minneapolis; Jul 30 2019 Sezzle ASX IPO under ticker SZL at AU$1.22 a share; 2023 Sezzle Australia operations collapse + Sezzle Nasdaq move + Feb 2023 profitability; Q2 2025 revenue $98.7M +76.4% YoY + GMV $927M +74.2% YoY all-time high; Q3 2025 revenue $116.8M +~3x YoY + Sezzle Anywhere 37% in-store orders BNPL momentum** | 2005 Klarna founding by Sebastian Siemiatkowski + Niklas Adalberth + Victor Jacobsson in Stockholm; Sep 11 2025 Klarna NYSE IPO under ticker KLAR + $1.37B raised + ~$15B valuation + largest IPO of 2025; Klarna debuts on NYSE Wednesday at 15% above IPO price | 2012 Affirm founding by Max Levchin + Nathan Gettings + Jeffrey Kaditz + Alex Rampell in San Francisco; Jan 13 2021 NASDAQ AFRM IPO | 2014 Afterpay founding by Nick Molnar + Anthony Eisen in Sydney; Jan 2022 Block Inc Cash App acquires Afterpay for $29B all-stock deal | 1998 PayPal founding by Peter Thiel + Max Levchin + Luke Nosek + Ken Howery + Russel Simmons + Yu Pan; 2008 PayPal Pay Later launches |

## Status

**Active, NASDAQ: SEZL US + Canada BNPL Buy Now Pay Later + 2.86M active consumers +9.5% YoY 2025 + 412k unique merchants +nearly 2x YoY + 748k MODS +62% YoY 2025 + Q2 2025 revenue $98.7M +76.4% YoY + GMV $927M +74.2% YoY all-time high + Q3 2025 revenue $116.8M +~3x YoY** <sup>[1][1], [2][2], [3][3]</sup>:
- **Sezzle Inc (NASDAQ: SEZL; US BNPL Buy Now Pay Later; Minneapolis HQ; Charlie Youakim founder + CEO)** since 2016 Sezzle founding by Charlie Youakim + Killian Brackey + Paul Paradis in Minneapolis + Jul 30 2019 Sezzle ASX IPO under ticker SZL at AU$1.22 a share + 2023 Sezzle Australia operations collapse + Sezzle Nasdaq move + Feb 2023 profitability + Q2 2025 Sezzle revenue $98.7M +76.4% YoY + GMV $927M +74.2% YoY all-time high + Q3 2025 Sezzle revenue $116.8M +~3x YoY.
- **Sezzle 2.86M active consumers + 412k unique merchants + 748k MODS + GMV $927M Q2 2025 all-time high**.
- **Sezzle Anywhere 37% in-store orders BNPL momentum + Sezzle recasts BNPL model with subscriptions**.
- **FDIC + state-level regulated (US + Canada)**.

## Sources

[1]: https://en.wikipedia.org/wiki/Sezzle "Sezzle — Wikipedia"
[2]: https://au.investing.com/news/company-news/sezzle-q2-2025-presentation-revenue-soars-76-net-income-dips-as-stock-slides-93CH-3967503 "Sezzle Q2 2025 presentation: Revenue soars 76%, net income dips as stock slides — Investing.com Australia"
[3]: https://www.pymnts.com/earnings/2025/37percent-of-sezzle-anywhere-orders-occur-in-store-amid-bnpl-momentum/ "37% of Sezzle Anywhere Orders Occur In-Store Amid BNPL Momentum — PYMNTS"
[us-cro]: https://docs.barcoder.ai/docs/payments/US

- [1] [Sezzle — Wikipedia][1]
- [2] [Sezzle Q2 2025 presentation: Revenue soars 76%, net income dips as stock slides — Investing.com Australia][2]
- [3] [37% of Sezzle Anywhere Orders Occur In-Store Amid BNPL Momentum — PYMNTS][3]
- <sup>[United States report](https://docs.barcoder.ai/docs/payments/US)</sup> In-corpus: `reports/countries/US-united-states.md`

## Source

Biography extracted from [sezzle.md](https://docs.barcoder.ai/source/wallets/sezzle). See `matrix.md` for standards-support matrix if present.