Understanding the Sezzle Transaction Report

The Transaction Report details all the financial transactions for your store that occur within Sezzle: orders, refunds and disputes, as well as settlements and withdrawals from your Sezzle account to your company’s bank account.

Overview

The report includes a variety of worksheets (tabs) to help organize the data for easier reconciliation. Depending on your store’s integration with Sezzle, you may not have all the worksheets listed in this guide.

How funds flow

For most Sezzle merchants, funds are paid out in three stages:

1. Orders

Orders become Settlements (Payouts).

2. Settlements

Settlements become Withdrawals.

3. Withdrawals

Withdrawals are sent to your linked bank account.

Trace these stages in the report: → (or the if you’re on the Interest Plan).

Report file naming. Previously the report was appended with the generation date. It now includes the from and to dates of the data in the report.

Split by shopper currency. The Orders, Virtual Card Orders, Captured Orders Breakdown, Refunds, Withdrawal Account Ledger, and Interest Account Ledger worksheets are split by shopper currency. If your store had orders paid in both USD and CAD within the requested period, you’ll see two sheets instead of one, for example “Orders - USD” and “Orders - CAD”.

Worksheet directory

Every worksheet in the report, what it’s for, and which integration or program it applies to. Select a worksheet for its full column-by-column definitions.

Worksheet	Applies to	Purpose
	Direct Integration	Orders that have been processed through Sezzle, including captured, uncaptured, paid out (settled) and pending payouts.
	Direct Integration Virtual Cards	Breakdown of all orders that were captured into captures and fees.
	Virtual Cards	Orders that have been initiated through the Sezzle Virtual Card.
	Virtual Cards	Daily fees on virtual card activity and applicable daily fee refunding.
	Direct Integration	Shows all orders that have been refunded through Sezzle.
New	Direct Integration	Shows all disputes opened on your orders — both open and closed — with their current status.
	Direct Integration Virtual Cards	Shows all transactions that affect the Withdrawal Account balance.
	Direct Integration Virtual Cards	Shows all transactions that affect the Interest Account balance.
	Optional	Events tied to the Rolling Reserve, from either holding of funds or release of funds.
	Affiliate	Events tied to referrals.
Deprecated	Direct Integration	Date and amount of all settlements — does not directly equal any amounts deposited to your bank account.
Deprecated	Direct Integration	Combination of orders that were included in each settlement.
Deprecated	Direct Integration	Information tied to withdrawals from your Sezzle account to your bank account.
Deprecated	Direct Integration	Details of all balances in the Interest Account, including processed settlements and earned interest.

Worksheet reference

Column-by-column definitions for every worksheet.

Orders

Direct Integration Dashboard: Orders Split by shopper currency

Contains details for all orders processed through Sezzle.
Directly corresponds to the “Orders” page within the Sezzle dashboard.

Column title	Purpose
Order Created Date	Date when the shopper successfully completed a Sezzle checkout and a Sezzle order was placed
Order Created Time	Time when the shopper successfully completed a Sezzle checkout and a Sezzle order was placed
Order Captured Date	Date the order was captured by the merchant
Order Captured Time	Time the order was captured by the merchant
Sezzle Order ID	Order ID created by Sezzle — it is a unique Sezzle identifier
Sezzle Order UUID	Order UUID used in the Sezzle API (used for capture or reauthorization, see docs.sezzle.com)
Order Status	Current status of the order within Sezzle Order can be in either of the following states: Pending · Approved · Approved, with Refund · Authorized, pre-capture · Authorization expired/canceled
Reference ID	Order ID that Sezzle received from your e-commerce platform (typically directly corresponds to the order ID within your order management system)
Customer Name	Name of the customer per their Sezzle account This may not match directly with the order information in your e-commerce platform, as shoppers are able to enter different values in each system
Customer Email	Email of the customer per their Sezzle account This may not match directly with the order information in your e-commerce platform, as shoppers are able to enter different values in each system
Order Total	Amount the customer paid at checkout — the order total, before any Sezzle fees
Capture Order Total	Amount of the total order that has been captured by the merchant before the Sezzle fees are subtracted
Release Order Total	Amount of the total order that has been either released by the merchant or expired due to the authorization expiry date
Sezzle Fee	Total fee amount that was charged for this order
Fee Refunded	If applicable, amount of the fee refunded to you on an order that has been refunded
Net Order Total	Amount settled to your account for the order Orders that have not been refunded: Order Total − Sezzle Fee Orders that have been refunded: Capture Order Total − Sezzle Fee − Total Refund Amount + Fee Refunded Will not include any FX fees, as those are applied on a withdrawal basis Virtual Card orders and fees may show up differently
Total Refund Amount	Total amount of all refunds issued If multiple refunds were issued on an order, this will show the combined total For specifics on individual refunds, you can review the Refunds worksheet
Order Purchase Currency	Currency that the shopper used to pay for the order
Order Total in Merchant Currency	Gross amount of the order in the currency of the store If the shopper’s currency and the store’s currency are the same, there will be no difference in the two gross amounts
Merchant Currency	Currency of the store
Authorized Amount Total	A sum of all checkout authorizations of an order
Authorization Expiration	Date at which an authorization on an order is set to expire. If multiple authorizations per order exist, the latest authorization date is displayed. A merchant must capture the order before the authorization expiry
Settlement Date	Date of the earliest settlement for any of the captures of the order in a given row
Settlement Status	Can be “Not settled” (none of the order’s captures are paid out), “In progress” (some of the order’s captures are paid out) or “Completed” (all of the order’s captures are paid out)

Captured Orders Breakdown

Direct Integration Virtual Cards Split by shopper currency

Breakdown of all orders that were captured into captures and fees.

Column title	Purpose
Type	Type of row we are showing: Order, Capture, Fee
Created Date	Date that Sezzle created the order
Captured Date	Date that Sezzle captured the order
Platform Order ID	Unique ID that the merchant is given for a session (i.e. new checkout) request
Sezzle Order ID	Order ID created by Sezzle
Shopper Order ID	Total number of orders placed by the shopper of the current order (just after placing the order)
Product Type	Type of Sezzle product used for the order (Affiliate, Gift Card, Standard Checkout, Long Term Lending, Virtual Card, Four Pay Monthly, Six Pay Monthly)
Reference ID	Order ID received by Sezzle from your e-commerce platform (typically directly corresponds to the order ID within your order management system)
Amount	Total amount of that part of the transaction
Order Purchase Currency	Currency that the shopper used to pay for the order
Merchant Currency	Currency of the store
Transaction_UUID	Unique ID for the capture

Virtual Card Orders

Virtual Cards Dashboard: Orders Split by shopper currency

Contains details for virtual card orders initiated by Sezzle.
Directly corresponds to the “Orders” page within the Sezzle dashboard.

Column title	Purpose
Order Created Date	Date that shopper completed a Sezzle checkout and placed a Sezzle order
Order Created Time	Time that shopper completed a Sezzle checkout and placed a Sezzle order
Order Captured Date	Date that Sezzle captured the order
Order Captured Time	Time that order was captured by Sezzle
Sezzle Order ID	Order ID created by Sezzle — it is a unique Sezzle identifier
Order Status	Current status of the order within Sezzle Order can be in either of the following states: Pending · Approved · Approved, with Refund · Authorized, pre-capture · Authorization expired/canceled
Reference ID	ID of the terminal the virtual order transaction took place
Customer Name	Name of the customer per their Sezzle account May not match directly with the order information in your e-commerce platform, as shoppers are able to enter different values in each system
Customer Email	Email of the customer per their Sezzle account May not match directly with the order information in your e-commerce platform, as shoppers are able to enter different values in each system
Sezzle Fee	Total fee amount that was charged for this order
Fee Refunded	Amount of the fee refunded to you on an order that has been refunded
Order Total	Gross order amount
Capture Order Total	Amount of the total order that has been captured by the merchant before the Sezzle fees are subtracted
Release Order Total	Amount of the total order that has been either released by the merchant or expired due to the authorization expiry date
Net Order Total	Amount settled to your account for the order Orders that have not been refunded: Gross Order Total − Sezzle Fee Orders that have been refunded: Gross Order Total − Sezzle Fee − Total Refund Amount + Fee Refunded Will not include any FX fees, as those are applied on a withdrawal basis Virtual Card orders and fees may show up differently
Total Refund Amount	Total amount of all refunds issued If multiple refunds were issued on an order, this will show the combined total For specifics on individual refunds, you can review the Refunds worksheet
Order Purchase Currency	Currency that the shopper used to pay for the order
Order Total in Merchant Currency	Gross amount of the order in the currency of the store If the shopper’s currency and the store’s currency are the same, there will be no difference in the two gross amounts
Merchant Currency	Currency of the store
Authorized Amount Total	A sum of all checkout authorizations of an order
Authorization Expiration	Date at which an authorization on an order is set to expire. If multiple authorizations per order exist, the latest authorization date is displayed. A merchant must capture the order before the authorization expiry
MID	MID that the order originated from Ties only to virtual card orders
Card Network Auth Ref	Reference number for the card authorization Ties only to virtual card orders

Fee Collection History

Virtual Cards

Shows Sezzle Virtual Card fees assessed (if applicable).
Handled outside of the typical settlement process.

Column title	Purpose
Fee Collection ID	Contains the ID of the virtual card fee collected
Transaction Date	Date the virtual card transaction occurred
Total Amount	Amount of fees collected on a fee collection ID
Currency Code	Currency of the event
For Fees Assessed On	Date the virtual card fees were calculated
Debit Status	For direct bank debit transactions, it shows the bank transaction status: in progress, succeeded, failed, or scheduled. For the other fee collection methods, it shows “scheduled” because there is no bank transaction — Sezzle simply updates the balance of the Sezzle holding account.

Refunds

Direct Integration Dashboard: Refunds Split by shopper currency

Contains all refunds that have been processed through Sezzle.
Includes partial and full refunds and corresponds to the “Refunds” page within the Sezzle dashboard.

Column title	Purpose
Refund Date	Date refund was processed by Sezzle
Refund Time	Time refund was processed by Sezzle
Sezzle Order ID	Order ID created by Sezzle
Reference ID	Order ID received by Sezzle from your e-commerce platform (typically directly corresponds to the order ID within your order management system)
Customer Name	Name of the customer per their Sezzle account May not match directly with the order information in your e-commerce platform, as shoppers are able to enter different values in each system
Customer Email	Email of the customer per their Sezzle account May not match directly with the order information in your e-commerce platform, as shoppers are able to enter different values in each system
Gross Order Total	Amount the customer paid at checkout — the order total, before any Sezzle fees
Refund Amount	Amount of one individual refund. If multiple refunds were issued, the amounts are combined and displayed in the next column
Total Refunds on Order	Combined amount of all refunds that were issued on the order
Net Order Amount	Amount due to you after all refunds have been applied Often negative as the Sezzle fee itself is typically not refunded to the merchant
Refund Currency	Currency the refund was issued in and corresponds to the currency the shopper used at checkout
Transaction UUID	Assigned to every request to refund issued by a merchant Also known as a Refund Request Unique ID

Disputes

New Direct Integration Dashboard: Disputes

Contains every dispute opened on your orders, both open and closed.
Directly corresponds to the “Disputes” page within the Sezzle dashboard, where you can respond to a dispute (Manage Dispute) or issue a refund.
While a dispute is open, the shopper’s installment payments on that order are paused. Only one active dispute can exist on an order at a time.
If you resolve a dispute by issuing a refund, the refund also appears on the worksheet.

Column title	Purpose
Order Date	Date the shopper placed the original Sezzle order
Last Update	Date the dispute was last updated
Customer Name	Name of the customer per their Sezzle account May not match directly with the order information in your e-commerce platform, as shoppers are able to enter different values in each system
Customer Email	Email of the customer per their Sezzle account May not match directly with the order information in your e-commerce platform, as shoppers are able to enter different values in each system
Sezzle Order ID	Order ID created by Sezzle — matches the “Order ID” shown on the Disputes page
Reference ID	Order ID that Sezzle received from your e-commerce platform (typically directly corresponds to the order ID within your order management system) Shown as “External Reference ID” in the dispute details
Dispute Status	Current status of the dispute: Action Required · Processing · Dispute Closed See the dispute status key below for what each status means and what to do
Purchase Total	Amount the customer paid at checkout — the order total, before any Sezzle fees
Sezzle Fee	Fee amount that was charged for this order Shown as “Fee” in the dispute details
Net Order Total	Purchase Total − Sezzle Fee Shown as “Total” in the dispute details
Order Purchase Currency	Currency that the shopper used to pay for the order — all amounts in the row are in this currency

Dispute status key

Status	What it means
Action Required	Sezzle needs your response. Use Manage Dispute on the Disputes page to submit evidence, tracking information or comments, or issue a refund, before the response deadline. If you don’t respond in time, the dispute can be ruled in the shopper’s favor.
Processing	Sezzle is working on the dispute. For example, it’s waiting on the shopper for more information or reviewing the evidence. No action is needed from you right now.
Dispute Closed	The dispute has been resolved. Select View Closed Dispute on the Disputes page to see the details.

A closed dispute ends in one of these outcomes:

Ruled in your favor

The shopper’s claim wasn’t upheld, and payments resume normally.

Ruled in the shopper's favor

You’re responsible for the refund amount.

Sezzle absorbs the cost

No financial impact on you.

Mutual resolution

All parties reached an agreeable outcome, such as after a voluntary refund.

Withdrawal Account Ledger

Direct Integration Virtual Cards Split by shopper currency

Shows all transactions that affect the Withdrawal Account balance.
Transactions are split into individual orders and fees.

Column title	Purpose
Posted Date	Date the line item was settled
Activity Date	Date the transaction was created
Transaction Type	Short description of the line item
Order ID	Order ID created by Sezzle (only for line items that are orders)
Credit	Money coming into the account
Debit	Money leaving the account
Balance	Amount of the Withdrawal Account after the transaction
Payout ID	If the line item has a corresponding settlement, the settlement ID will be displayed in this column

Interest Account Ledger

Direct Integration Virtual Cards Split by shopper currency

Shows all transactions that affect the Interest Account balance.
Transactions are split into individual orders and fees.

Column title	Purpose
Posted Date	Date the line item was settled
Activity Date	Date the transaction was created
Transaction Type	Short description of the line item
Order ID	Order ID created by Sezzle (only for line items that are orders)
Credit	Money coming into the account
Debit	Money leaving the account
Balance	Amount of the Interest Account after the transaction
Payout ID	If the line item has a corresponding settlement, the settlement ID will be displayed in this column

Reserve

Optional

This plan holds a portion of your settlements for a set period (if applicable). For example, if 15% of funds are held for 65 business days, 85% of your funds are released per the regular settlement period for your store and the rest are released on business day 66.
Specific percentage and holding period may vary.

Column title	Purpose
Date	Date of the event within the reserve
Release Date	Date that the funds will be released
Description	Describes the event that happened, whether it be funds that are released or funds that are withheld If there are funds that are withheld, it will include the payout ID
Amount	Amount of the event within the reserve Amounts in parentheses ( ) notate amounts withheld, and positive amounts notate amounts released
Currency	Currency of the event

Referral

Affiliate

Serves as a ledger for all events that occurred with referrals (if applicable).

Column title	Purpose
Date	Date of the event
Description	Describes the event that happened
Debits	Amount that may be debited from your referral amount
Credits	Amount that may be credited to your referral amount
Affiliate Balance	Amount associated with affiliates if applicable
Transferred to Withdrawal Account	Referral amount transferred to the withdrawal account
Currency	Currency of the event

Deprecated worksheets

These worksheets may still appear in historical reports, but they have been superseded by the ledger worksheets above.

Payouts

Deprecated Direct Integration Dashboard: Settlements

Contains the dates and amounts of all settlements.
Settlements do not directly correspond to the amount sent to your bank account.
Can be particularly useful to determine why certain amounts were sent to your bank account.
Directly corresponds to the “Settlements” page in the Sezzle dashboard.
To see a breakdown of all orders included in each payout, use the worksheet.

Column title	Purpose
Payout Date	Date the funds settled into your Sezzle account Does not necessarily correspond to the date the funds were sent to your bank account
Payout ID	Sezzle ID for the settlement itself
Gross Amount	Total order amount for all orders included in the settlement Does not include any deductions for Sezzle fees or refunds
Sezzle Fees	Total amount of all Sezzle fees for all orders included in the settlement
Total Amount	Amount credited to your Sezzle account for the settlement — it is the Gross Amount less Sezzle Fees
Reserve Withheld	Amount of money withheld for the rolling reserve
Reserve Release Date	Date the reserved funds will be released
Interest Earned	Amount of interest earned
Payout Currency	Currency of the settlement itself Orders from different shopper currencies are combined into separate settlements, so you may see multiple settlements on the same day but in different currencies
Number of Orders	Total number of orders included in the settlement
Payout Status	Current status of the settlement “Pending” means it is still in progress (the holding period has not yet passed) “Completed” means that the funds have fully settled (holding period has passed)

Payout Details

Deprecated Direct Integration

Contains the orders that are included in each settlement.
Combines the “Orders” and “Settlements” pages from the Sezzle dashboard.

Column title	Purpose
Payout Date	Date the funds settled into your Sezzle account Does not necessarily correspond to the date the funds were sent to your bank account
Description	Additional details on the specific payout and the orders included
External Order ID	Order ID from your e-commerce platform for each order
Gross Payout Amount	Amount before any fees, interest, or reserve holdings
Total Fees	Amount of any Sezzle transaction fees
Net Payout	Amount after fees
Is Partial Capture	Yes / No
Interest Earned	Amount of interest earned
Total	Amount after any fees and interest Does not include the amount reserved, if applicable
Payout Status	Overall status of the settlement “Pending” means it is still in progress (the payout date has not passed) “Completed” means that the funds have fully settled (the payout date has passed)
Currency	Currency of the settlement Settlements are grouped by currency, so you may have multiple settlements on the same day but in different currencies

Withdrawals

Deprecated Direct Integration Dashboard: Withdrawal Account

Shows the withdrawals that have been processed from your Sezzle account to your bank account.
Each row represents something affecting the net balance of your Sezzle withdrawal account — settlement of orders, refunds, corrections, and interest program withdrawals.
When a withdrawal occurs, the net balance of this account is settled with your bank and is indicated with a line indicating a debit or withdrawal.
Withdrawal amounts are calculated by taking all payouts to you (settlements, referral bonuses, etc.) and subtracting any refunds.
Corresponds to the “Withdrawal Account” page in the Sezzle dashboard.

Column title	Purpose
Date	Date of the event within the Withdrawal Account
Description	Specific detail of the event, ranging from refunds to withdrawals
Debits	Amount taken from the Withdrawal Account Often, this is from a refund or from a withdrawal to your bank account
Credits	Amount added to the Withdrawal Account, typically from a settlement or a withdrawal from the Interest Account
Balance	Overall balance of the Withdrawal Account after the event
Forex Fees	Foreign exchange fees applied to the withdrawal (if applicable)
Balance Currency	Currency of the balance
Transaction Amount	Amount of the transaction
Transaction Currency	Currency of the transaction

Interest

Deprecated Direct Integration Dashboard: Interest Account

Ledger for all events that occurred within the Interest Account (if applicable).
Corresponds to the “Interest Account” page in the Sezzle dashboard — may be empty if your store does not use the Interest Account.

Column title	Purpose
Date	Date of the event within the Interest Account
Description	Additional details on the event “Payouts” correspond to settlements to the Interest Account and “Withdrawal” corresponds to funds being removed from the Interest Account to be sent to your bank account
Debits	Corresponds to an amount removed from the Interest Account, typically from a withdrawal or a refund
Credits	Corresponds to an amount added to the Interest Account from a settlement
Interest Gained	Amount of interest gained
Interest Balance	Overall balance of the Interest Account
Currency	Currency of the event within the Interest Account

Troubleshooting

Tracing an order

Find the Reference ID

Find the order ID in your e-commerce system. That becomes the Reference ID within this report. If you can’t find the order, it was most likely created outside the report data range.

Check the settlement status

Locate the order by its Reference ID in the sheet, then look at the Settlement Status and Settlement Date. Status Completed means you’ve received all of the funds for that order. To trace them in detail, copy the Order ID, an internal Sezzle ID for the order.

Search the ledger

Go to either the or Ledger, depending on where you’re set up to receive your settlements, and search for all transactions with that order ID.

Do the math

The total of all credit Order transactions minus the total of all debit Sezzle Fee transactions with the given order ID is the amount you’ve been paid for that order in the selected time period.

On the Interest Plan? Orders processed into the Interest Plan are added to the total balance of the Interest Account, which is then manually withdrawn. Those funds go to a pool of money that isn’t immediately transacted with your bank account, so you won’t be able to trace orders directly to a bank transaction. You can still trace how much money is in your interest account for any given order: follow the steps above, but select the Interest Ledger instead of the Withdrawal Ledger. All transactions found for a given Order ID reflect the amount received in your interest account for that order.

Date mismatches

Due to time zones, there is a chance that the order date within Sezzle may not be the exact date within your e-commerce system. All time stamps in the transaction data report are in UTC. If you cannot find an order on the date expected, search for the order by the ID from your e-commerce platform, as that will be the Reference ID within the report.

Manual capture

If you are on manual capture, each payment comes in as an authorization. You must capture the payment to get paid. When you capture a payment authorization, the order will be fulfilled. If you do not capture the payment authorization, the funds will be held for up to seven days. You have seven days to capture; if you do not, the funds will be released.

Sezzle

Direct Integration

Virtual Card

Assets

Express Checkout

Mobile SDKs

Other

Understanding the Sezzle Transaction Report

Overview

How funds flow

1. Orders

2. Settlements

3. Withdrawals

Worksheet directory

Worksheet reference

Orders

Captured Orders Breakdown

Virtual Card Orders

Fee Collection History

Refunds

Disputes

Dispute status key

Ruled in your favor

Ruled in the shopper's favor

Sezzle absorbs the cost

Mutual resolution

Withdrawal Account Ledger

Interest Account Ledger

Reserve

Referral

Deprecated worksheets

Payouts

Payout Details

Withdrawals

Interest

Troubleshooting

Tracing an order

Date mismatches

Manual capture

​Overview

​How funds flow

1. Orders

2. Settlements

3. Withdrawals

​Worksheet directory

​Worksheet reference

​Orders

​Captured Orders Breakdown

​Virtual Card Orders

​Fee Collection History

​Refunds

​Disputes

​Dispute status key

Ruled in your favor

Ruled in the shopper's favor

Sezzle absorbs the cost

Mutual resolution

​Withdrawal Account Ledger

​Interest Account Ledger

​Reserve

​Referral

​Deprecated worksheets

​Payouts

​Payout Details

​Withdrawals

​Interest

​Troubleshooting

​Tracing an order

​Date mismatches

​Manual capture

Overview

How funds flow

Worksheet directory

Worksheet reference

Orders

Captured Orders Breakdown

Virtual Card Orders

Fee Collection History

Refunds

Disputes

Dispute status key

Withdrawal Account Ledger

Interest Account Ledger

Reserve

Referral

Deprecated worksheets

Payouts

Payout Details

Withdrawals

Interest

Troubleshooting

Tracing an order

Date mismatches

Manual capture