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Sezzle is a buy now, pay later (BNPL) app that enables shoppers to pay for purchases over six weeks with interest-free installments. Established by Charlie Youakim and Paul Paradis in 2016 in Minneapolis, Minnesota, Sezzle quickly established itself as one of the premier BNPL platforms in both North America.

Sezzle's goal is to offer shoppers a responsible and affordable payment solution while helping merchants increase sales and customer loyalty. Their app provides a seamless checkout experience for online shoppers without hidden fees, late fees, or credit checks; instead, using its proprietary underwriting technology to assess each customer's ability to pay and provide installment plans that fit within their budget.

Since its founding, Sezzle has raised more than $250 million in funding and partnered with thousands of merchants from various industries - fashion, beauty, electronics and home goods being just some examples - as well as amassing over two million active users and boasting an unprecedented 97% customer satisfaction rate.

Though Sezzle has found great success, the company has not been without some setbacks along its path to growth. In 2019, Sezzle was hit with a class action lawsuit alleging it violated California lending laws by charging excessive interest rates; Sezzle denied these allegations and eventually settled it for $450K without admitting any wrongdoing; since then, they have made changes to their pricing and disclosure practices to comply with state and federal regulations.

Overall, Sezzle has emerged as a formidable force in retail industry disruption by providing consumers looking to avoid credit card debt an alternative payment method while merchants aim to increase sales. As the BNPL market expands further, Sezzle's innovative approach and commitment to transparency and affordability are likely to ensure its ongoing success.

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