Buy Now Pay Later

Metro 2 Integration for Sezzle

Connect Sezzle merchant data to Metro2 for BNPL credit reporting. Sezzle already has a credit-building focus with its Sezzle Up opt-in program that reports to Equifax, Experian, and TransUnion. This Metro2 integration is for merchants who want to report Sezzle transactions under their own furnisher ID, giving direct control over the tradeline data and customer credit relationship. Metro2 connects via Sezzle's REST API (OpenAPI spec available) with scoped API keys from the merchant dashboard. Sezzle charges merchants approximately 6% + $0.30 per transaction.

How It Works

Sezzle merchant data is extracted via REST API (scoped API key authenticated) from the Sezzle platform. Metro2 maps BNPL payment data to Metro 2 Base Segment format, validates all records, and submits to Equifax, Experian, and TransUnion under your merchant furnisher ID.

Sezzle

Metro2

Credit Bureaus

Benefits

Report Under Your Brand

Sezzle Up reports under Sezzle's name. This integration lets you report under your own furnisher ID for brand ownership on credit reports.

Beyond Sezzle Up

Sezzle Up is opt-in and consumer-controlled. Merchant reporting via Metro2 gives you direct control over what gets reported and when.

OpenAPI Spec Available

Sezzle provides an OpenAPI specification for its REST API, making integration well-documented and predictable.

Clean API Design

Sezzle's REST API with scoped API keys makes data extraction straightforward and reliable.

Customer Loyalty

Offering credit building through your merchant relationship increases customer retention and repeat purchases.

Data Fields That Sync

Metro2 maps these fields from Sezzle to Metro 2 format automatically.

Customer demographics and identification
Payment plan details and terms
Payment history, amounts, and dates
Account status and delinquency
Order reference and merchant data
Sezzle order identifiers

Get Set Up in 4 Steps

Generate API Keys

Create scoped API keys from your Sezzle merchant dashboard. Keys are scoped to specific permissions for security.

Connect Sezzle API

Set up REST API connection using your scoped API keys. Sezzle provides an OpenAPI specification for reference.

Configure BNPL Rules

Map Sezzle payment plans to Metro 2 account types and reporting fields. Configure payment rating calculations.

Go Live

Validate test data against bureau requirements and begin production reporting under your furnisher ID.

Frequently Asked Questions

Does Sezzle already report to credit bureaus?

Partially. Sezzle offers Sezzle Up, an opt-in program where consumers can choose to have their Sezzle payments reported to Equifax, Experian, and TransUnion. However, Sezzle Up reports under Sezzle's name and is consumer-controlled. This Metro2 integration lets merchants report under their own furnisher ID with direct control over the reporting.

How is this different from Sezzle Up?

Sezzle Up is a consumer opt-in program controlled by Sezzle. This Metro2 integration gives merchants independent reporting under their own furnisher ID, full control over which transactions are reported, and the ability to apply custom validation rules.

What API authentication does Sezzle use?

Sezzle uses scoped API keys generated from the merchant dashboard. Keys can be scoped to specific permissions. The REST API has a full OpenAPI specification available at docs.sezzle.com.

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Afterpay

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Ready to Connect Sezzle?

Start reporting to credit bureaus from Sezzle today. Our team will help you get set up quickly.