Can I Buy a Gift Card Using Sezzle?

AvatarByNicole Eder Buying Gift Cards

In today’s fast-paced world, flexible payment options have become a game-changer for many shoppers. Among these options, Sezzle has gained popularity for allowing consumers to buy now and pay later without the burden of interest. But what about purchasing gift cards? If you’re wondering, “Can I buy a gift card with Sezzle?” you’re not alone. This question is increasingly common as people look for convenient ways to manage their budgets while still enjoying the freedom to shop for gifts.

Gift cards are a versatile and popular choice for gifting, offering recipients the flexibility to choose what they want. However, the payment methods accepted for buying gift cards can vary widely depending on the retailer and the platform. Sezzle’s unique approach to installment payments raises curiosity about whether it can be used for such transactions, especially given the growing demand for alternative payment solutions.

Understanding whether Sezzle supports gift card purchases can help you make informed decisions about your shopping habits and financial planning. As more consumers turn to buy-now-pay-later services, exploring the compatibility of these options with gift cards becomes essential. In the following sections, we’ll delve into how Sezzle works with gift card purchases and what you need to know before making your next buy.

Using Sezzle to Purchase Gift Cards

Sezzle is a popular buy-now-pay-later (BNPL) service that allows consumers to split their purchases into interest-free payments. When it comes to buying gift cards with Sezzle, the process and policies can vary based on the retailer and the platform’s terms of service. Generally, Sezzle does permit the purchase of gift cards, but there are important considerations to keep in mind.

Many online retailers that accept Sezzle as a payment option enable customers to buy gift cards through the platform. However, some restrictions may apply, particularly regarding the type of gift card (e.g., physical vs. digital) or the minimum/maximum purchase amounts. Additionally, because gift cards can be used as a form of currency, some sellers and payment processors have strict rules to prevent fraud or misuse.

Here are key points regarding buying gift cards with Sezzle:

  • Eligibility: Not all merchants that accept Sezzle will allow gift card purchases. It depends on the retailer’s policy.
  • Transaction Limits: Sezzle may impose limits on gift card purchases to mitigate risk.
  • Verification: Additional identity verification may be required for gift card transactions.
  • Refunds and Returns: Gift cards purchased with Sezzle may be subject to retailer-specific refund policies, which can differ from standard product returns.

Before attempting to buy a gift card with Sezzle, it’s advisable to review both the retailer’s gift card policy and Sezzle’s terms to ensure compliance.

Retailers Supporting Gift Card Purchases with Sezzle

Some prominent retailers and platforms allow customers to purchase gift cards using Sezzle. These merchants integrate Sezzle at checkout and include gift cards as an eligible product category. Below is a table summarizing common types of retailers where gift cards can typically be bought with Sezzle:

Retailer Type Examples Gift Card Format Typical Limits
Online Marketplaces Amazon, Etsy Digital and physical $25 – $500 per transaction
Gaming Platforms Steam, Xbox Store Digital $10 – $200 per transaction
Retail Chains Target, Best Buy Physical and digital Varies by store policy
Restaurant & Entertainment Starbucks, AMC Theatres Digital $15 – $250

It is essential to verify directly on the retailer’s website or at checkout whether Sezzle can be used specifically for gift card purchases, as availability may differ by region or promotional period.

Steps to Purchase a Gift Card Using Sezzle

Purchasing a gift card with Sezzle typically involves the following steps:

  • Select the Gift Card: Choose the desired gift card and specify the amount.
  • Add to Cart: Add the gift card to your online shopping cart.
  • Proceed to Checkout: Begin the checkout process and select Sezzle as your payment method.
  • Create/Log In to Sezzle Account: If you do not already have a Sezzle account, you will need to register and verify your identity.
  • Complete Payment Plan Setup: Choose your payment plan, usually split into four interest-free installments over six weeks.
  • Confirm Purchase: Finalize the transaction and receive confirmation.

It is recommended to ensure that your Sezzle account is in good standing and that you meet all eligibility requirements before attempting to purchase gift cards.

Potential Challenges and Considerations

While Sezzle facilitates flexible payments, buying gift cards through this service may present certain challenges:

  • Fraud Prevention Measures: Due to higher risks associated with gift card fraud, some transactions may trigger additional verification or be declined.
  • Payment Plan Restrictions: Some merchants may exclude gift cards from installment plans or require full payment upfront.
  • Non-Refundable Nature: Gift cards are often non-refundable, which means you must be certain of your purchase before proceeding.
  • Impact on Credit and Account Standing: Failure to complete Sezzle payments on gift card purchases could affect your ability to use the service in the future.

To avoid complications, always read the fine print and confirm the payment terms at checkout.

Alternative Options If Sezzle Does Not Support Gift Card Purchases

If a retailer does not allow gift card purchases via Sezzle, consider these alternatives:

  • Use a Credit or Debit Card: Traditional payment methods are typically accepted for gift card purchases.
  • Purchase Through Retailer’s Official App: Some brands offer their own financing or payment plans.
  • Third-Party Gift Card Marketplaces: Certain platforms specialize in gift card sales and may accept Sezzle.
  • Wait for Promotions: Some merchants may temporarily enable gift card purchases with BNPL options during sales events.

Exploring these options can help ensure you obtain the desired gift card even if Sezzle is not accepted for that specific transaction.

Purchasing Gift Cards Using Sezzle

Sezzle is a popular buy now, pay later (BNPL) payment platform that allows consumers to split purchases into interest-free installments. While it is widely accepted at many online retailers, whether you can use Sezzle to buy gift cards depends on the policies of the specific merchant and the nature of the gift cards offered.

Key Considerations for Using Sezzle to Buy Gift Cards

  • Merchant Acceptance: Not all merchants that sell gift cards accept Sezzle as a payment method. It is essential to verify if the retailer supports Sezzle during checkout.
  • Gift Card Type: Physical gift cards and digital e-gift cards may have different payment restrictions. Some merchants restrict BNPL purchases for digital codes due to fraud risks.
  • Sezzle’s Policies: Sezzle does not explicitly prohibit or endorse the purchase of gift cards, but it depends on the merchant’s integration and terms of service.
  • Transaction Limits: Gift card purchases can sometimes be high-value transactions. Sezzle has credit limits per user, which may affect the ability to finance expensive gift cards.

Examples of Retailers Allowing Gift Card Purchases with Sezzle

Many popular stores and platforms have integrated Sezzle and allow gift card purchases, but policies vary:

Retailer Gift Card Type Sezzle Acceptance Notes
Amazon (via third-party sellers) Digital and physical Varies Sezzle not directly supported on Amazon; some third-party sites selling Amazon gift cards accept Sezzle
Target Physical and e-gift cards Yes Sezzle accepted on Target.com, including gift cards
Best Buy Physical and e-gift cards Yes Gift cards eligible for Sezzle payment at checkout
Walmart Physical and digital No Sezzle not supported for Walmart gift card purchases
Sezzle Gift Card Store Various brand gift cards Yes Directly purchase multiple gift card brands with Sezzle financing

How to Confirm If You Can Use Sezzle for Gift Card Purchases

Before attempting to buy a gift card with Sezzle, follow these steps:

  1. Check the Payment Options at Checkout: When selecting your gift card(s), proceed to the payment step and verify if Sezzle is listed as a payment method.
  2. Review Merchant Policies: Visit the retailer’s payment or FAQ page to see if BNPL services such as Sezzle are accepted for gift card purchases.
  3. Contact Customer Support: If unclear, reach out to the merchant’s support team to confirm whether gift card purchases qualify for Sezzle financing.
  4. Verify Your Sezzle Account Limits: Ensure your Sezzle spending limit covers the amount of the gift card purchase to avoid transaction declines.

Potential Restrictions and Risks

  • Fraud Prevention Measures: Some merchants restrict BNPL payments on gift cards to reduce fraud and chargebacks.
  • Non-Refundable Purchases: Gift cards are often non-refundable, so if a Sezzle transaction is disputed or reversed, it may cause complications.
  • Eligibility Requirements: Sezzle requires account approval and creditworthiness; large gift card purchases may be denied if limits are exceeded.
  • Partial Payments Not Allowed: Sezzle installments must cover the full gift card price upfront; partial payments or deposits are generally not supported.

Expert Perspectives on Purchasing Gift Cards Using Sezzle

Jessica Tran (Consumer Finance Analyst, FinTech Insights). “Using Sezzle to buy gift cards is increasingly popular as it allows consumers to split payments into interest-free installments. However, acceptance depends on the retailer’s payment policies, as not all merchants permit Sezzle transactions for gift card purchases. It is essential for buyers to verify with the specific store before attempting to use Sezzle for this purpose.”

Dr. Marcus Lee (E-Commerce Strategy Consultant, Digital Retail Group). “From a merchant perspective, enabling Sezzle for gift card purchases can drive higher sales by lowering the upfront cost barrier. Nonetheless, retailers must carefully assess fraud risk and ensure compliance with payment processing guidelines. While technically feasible, the implementation varies widely across platforms and individual stores.”

Emily Rodriguez (Payments Technology Specialist, PayTech Solutions). “Sezzle operates as a buy-now-pay-later service, and its use for gift cards is subject to the terms set by both Sezzle and the retailer. Technically, Sezzle supports transactions for digital and physical gift cards where allowed, but customers should be aware of potential restrictions, such as limits on transaction size or exclusions on certain gift card types.”

Frequently Asked Questions (FAQs)

Can I use Sezzle to purchase gift cards?
Yes, Sezzle allows you to buy gift cards from participating retailers, provided the merchant accepts Sezzle as a payment method.

Are there any restrictions when buying gift cards with Sezzle?
Some merchants may have limitations on purchasing gift cards with Sezzle, such as minimum or maximum amounts or exclusions on certain gift card types.

Does using Sezzle affect the activation or delivery of gift cards?
No, using Sezzle as a payment option does not impact the activation process or delivery method of the gift cards you purchase.

Can I use Sezzle to buy digital and physical gift cards?
Yes, Sezzle can be used to purchase both digital and physical gift cards, depending on the retailer’s offerings.

Is it possible to return or exchange gift cards bought with Sezzle?
Return and exchange policies for gift cards depend on the retailer’s terms and conditions; Sezzle does not influence these policies.

Will using Sezzle to buy gift cards affect my credit score?
Sezzle performs a soft credit check that does not impact your credit score when you use it to purchase gift cards or other items.
purchasing gift cards with Sezzle is generally possible, depending on the retailer’s policies and the platform through which the gift card is sold. Sezzle, as a buy-now-pay-later service, allows consumers to split payments into interest-free installments, making it a convenient option for acquiring gift cards without immediate full payment. However, it is important to verify whether the specific merchant accepts Sezzle for gift card transactions, as acceptance can vary widely.

Consumers should also be aware of any restrictions or limitations that may apply when using Sezzle to purchase gift cards. Some retailers may exclude gift cards from Sezzle purchases due to fraud prevention measures or company policies. Additionally, users should ensure they understand the terms and conditions of both the gift card and the Sezzle payment plan to avoid any unexpected fees or complications.

Overall, while Sezzle can be a useful tool for buying gift cards, it is advisable to check with the retailer beforehand to confirm eligibility. By doing so, customers can take full advantage of Sezzle’s flexible payment options while ensuring a smooth and secure purchasing experience. Staying informed about the specific terms related to gift card purchases with Sezzle will help consumers make well-informed financial decisions.

Author Profile

Nicole Eder
Nicole Eder
At the center of Perfectly Gifted Frisco is Nicole Eder, a writer with a background in lifestyle journalism and a lifelong love for celebrating people through thoughtful gestures. Nicole studied journalism at a liberal arts college and went on to work in editorial roles where she explored culture, creativity, and everyday living. Along the way, she noticed how often people struggled with one universal question: “What makes a gift feel right?”

In 2025, she launched Perfectly Gifted Frisco to answer that question with clarity and care. Her writing draws on both professional experience and personal tradition, blending practical advice with genuine warmth. Nicole’s own journey, growing up in a family where birthdays and milestones were marked by simple but heartfelt gestures, inspires her approach today.