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As people look for ways to navigate high living costs, some are turning to buy now, pay later (BNPL) services such as Sezzle. The payment model allows customers to split everyday purchases into four installment payments. Demand for the service helped Sezzle grow from a penny stock into a multibillion-dollar fintech company in less than three years.
Sezzle is down 65% from its all-time highs, but rising revenue and profits suggest potential long-term gains at current levels. Below is a breakdown of how the company operates, where it is expanding, and what investors are watching next.
Sezzle generates most of its revenue from merchant fees. It also earns some income from consumer fees and subscription services.
If a customer completes all four payments in full on their due dates, they do not pay fees. However, Sezzle offers a subscription that can unlock higher spending limits and other perks, which can lead some customers to pay for a monthly plan.
While BNPL remains Sezzle’s core business, the company is pursuing additional verticals to increase average lifetime value per customer.
Sezzle is preparing to submit a bank charter application. If approved, the company would be able to offer additional financial products and reduce reliance on partner banks. The company expects this shift could support profit margins while enabling new offerings.
Sezzle is also building out non-BNPL services through Sezzle Mobile, a wireless service on the AT&T network. The service starts at $29.99 per month, and the company positions it as a way to deliver savings on everyday bills, including phone expenses.
In its Q4 2025 presentation to investors, Sezzle said it expects fiscal 2026 launches tied to agentic commerce, enhanced long-term lending, user community features, and receipt scanning and rewards.
Sezzle also highlighted its financial foundation, including $102.6 million in cash and cash equivalents, which it said provides support for exploring new opportunities. While investors are encouraged to view Sezzle primarily as a fintech company, the company’s stated priorities indicate an effort to expand into adjacent areas as it continues to gain market share.

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