In This Guide
What Is the Sezzle Virtual Card?
The Sezzle virtual card is a Visa card number generated within the the platform app that lets you shop anywhere Visa is accepted — not just the platform partner stores. It bridges the gap between the platform's installment payments and the entire Visa merchant network, giving you buy now, pay later flexibility at virtually any retailer.
The virtual card is issued by WebBank and Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.
Single-Use vs Multi-Use Virtual Card
| Feature | Single-Use Card | Multi-Use Card |
|---|---|---|
| Cost | Free (all users) | Sezzle Anywhere $19.99/mo |
| Reusable? | No — new card per transaction | Yes — same card number |
| Expiration | 72 hours after creation | Ongoing with subscription |
| Apple/Google Pay | Yes (must add each time) | Yes (stays in wallet) |
| Where It Works | Most Visa merchants | Any Visa merchant |
| Minimum Purchase | $35 (Pay in 4) / $50 (Pay in 5) | Varies |
| Cash Back | No | 1% on all purchases |
How to Set Up the Sezzle Virtual Card
Step 1: Open the Sezzle mobile app and go to the "Virtual Card" tab.
Step 2: Select "Shop Online" or "Shop In-Store."
Step 3: Enter the amount you want to spend (within your spending power). Include shipping and tax.
Step 4: Review and agree to your loan terms, including any applicable service fee.
Step 5: Your card number, expiration date, and CVV appear. Copy the details for online checkout or tap "Add to Wallet" for in-store use.
You must create a purchase request BEFORE using the card. Transactions without an active request will be declined. Approved amounts are valid for 3 days.
Using with Apple Pay & Google Pay
After creating a purchase request, the "Add to Wallet" option becomes available. Tap to add to Apple Pay or Google Pay. For multi-use cards, you only need to add once — it stays in your wallet. For single-use cards, you add a new card each time.
At checkout, tap your phone at any contactless terminal. The same Pay in 4 installment structure applies: 25% now + three biweekly payments.
Where Can You Use the Sezzle Virtual Card?
The virtual card works at most merchants accepting Visa. Popular destinations include:
Walmart — Online and in-store via Apple Pay/Google Pay
Amazon — Enter card details as a standard Visa payment
Target — Online and in-store contactless
Gas Stations, Grocery Stores, Restaurants — Anywhere Visa contactless is accepted (Sezzle Anywhere only)
Some merchants are excluded per Sezzle's Acceptable Use Policy: gambling, money orders, bill payments, gift card resellers, and certain restricted categories.
Virtual Card Fees & Limits
Service Fee: $0–$7.49 per transaction at non-partner merchants. Partner merchants typically have no service fee.
Minimum: $35 for Pay in 4, $50 for Pay in 5, $20 for Pay in Full.
Orders under $20: Charged in full immediately (no installment plan).
Multiple Requests: You can have multiple active purchase requests if within your spending power, but they cannot be combined for a single transaction.
Expert Tips for Using the Sezzle Virtual Card
Partner merchants often have $0 service fee. Check the Sezzle app's "the platform Partner" filter before using the single-use card elsewhere.
When creating a purchase request, include the full order total with tax and shipping. If the request is less than the order total, the transaction will be declined.
If you use the virtual card 2+ times per month at non-partner stores, the $19.99/mo Anywhere subscription often saves money vs per-transaction service fees plus adds 1% cash back.
Does Sezzle Build Credit?
Learn how Sezzle Up reports to all 3 bureaus for free.
Sezzle Up Guide →