NEW YORK — May 5, 2026
Executive Summary
Pagaya Technologies Ltd. has announced a new point-of-sale partnership with Sezzle Inc. designed to expand payment flexibility and financing accessibility for consumers using Sezzle’s platform. Through this collaboration, Sezzle will integrate Pagaya’s AI-powered underwriting platform directly into its checkout experience, enabling qualified borrowers to access installment loan products issued by WebBank while maintaining a seamless and unified customer journey within the Sezzle ecosystem. The partnership is intended to provide shoppers with enhanced visibility into payment options, including longer-term financing, while enabling merchants to benefit from higher approval rates and increased basket sizes without introducing operational complexity. The integration reflects both companies’ focus on improving financial accessibility and optimizing transaction outcomes through embedded decisioning technologies and real-time lending capabilities.
Announcement Overview
Pagaya Technologies Ltd., a global technology company focused on delivering AI-driven solutions for the financial services ecosystem, has entered into a strategic partnership with Sezzle Inc., a digital financial platform that provides payment and financing solutions to consumers and merchants. The partnership introduces Pagaya’s AI-based underwriting and decisioning capabilities into Sezzle’s existing payment infrastructure at the point of sale.
Under the terms of the collaboration, Sezzle will embed Pagaya’s platform to enable simultaneous credit decisioning, allowing more consumers to qualify for installment loan products while maintaining the simplicity and continuity of the checkout experience. These loan products will be issued by WebBank and made available to eligible borrowers directly within the Sezzle interface.
The integration is structured to support both consumer and merchant outcomes. Consumers gain access to broader financing options and extended repayment structures, while merchants benefit from improved approval rates and higher transaction values. The partnership is designed to operate without adding friction to existing workflows, ensuring that both shoppers and merchants experience a streamlined and efficient process throughout the transaction lifecycle.
Key Announcement Details
- Announcement Type: Point-of-Sale Lending Partnership
- Partner Companies: Pagaya Technologies Ltd. and Sezzle Inc.
- Integration Scope: Pagaya’s AI underwriting platform embedded within Sezzle’s checkout flow
- Loan Issuance: Installment loans issued by WebBank
- Primary Offering: Access to longer-term installment financing options at point of sale
- Customer Benefit: Greater payment visibility, expanded financing choices, and increased spending capacity
- Merchant Benefit: Higher approval rates, increased basket sizes, and improved transaction outcomes
- Decisioning Capability: Real-time, simultaneous underwriting alongside Sezzle’s existing decisioning system
- Operational Impact: Seamless integration with no added friction for merchants or customers
- Strategic Objective: Expansion of consumer access to credit and enhancement of point-of-sale financing experience
Integration of AI Underwriting at the Point of Sale
The partnership centers on embedding Pagaya’s AI-powered underwriting infrastructure into Sezzle’s point-of-sale environment, enabling enhanced credit decisioning at the moment of transaction. This integration allows for real-time evaluation of borrower eligibility, ensuring that qualified consumers are presented with financing options instantly during checkout.
Within this framework, the system performs simultaneous decisioning, allowing multiple financing pathways to be evaluated concurrently. This ensures that customers are presented with clear, transparent payment options, including longer-term installment loans, without disrupting the purchasing experience.
The integration is designed to preserve Sezzle’s existing user interface and customer journey while augmenting it with additional financial capabilities. This ensures that:
- Customers remain within the Sezzle ecosystem throughout the transaction
- Payment options are displayed seamlessly at checkout
- Decisioning occurs without delays or additional steps
The inclusion of Pagaya’s underwriting platform enhances the overall efficiency of the transaction process while maintaining consistency across all customer interactions.
Expansion of Consumer Financing Options
Through this collaboration, consumers using Sezzle’s platform gain access to a broader range of financing solutions, including installment loan products that extend beyond traditional short-term payment structures. The availability of longer-term financing provides shoppers with increased flexibility in managing purchases and repayment schedules.
The partnership enables:
- Greater visibility into multiple payment options at checkout
- Access to installment loans issued by WebBank for qualified borrowers
- Enhanced spending capacity through higher approved limits
These features are delivered within a unified interface, ensuring that users can evaluate and select financing options without navigating outside the Sezzle platform. The approach supports transparency and simplicity, allowing consumers to make informed decisions based on available payment structures.
Merchant Benefits and Transaction Optimization
Merchants participating in the Sezzle network are expected to benefit from the integration through improvements in transaction outcomes and customer conversion rates. By enabling access to expanded financing options, the partnership supports higher approval rates, which can translate into increased sales opportunities.
The integration contributes to:
- Higher basket sizes due to increased consumer purchasing power
- Improved approval rates through advanced underwriting capabilities
- Seamless implementation without operational disruption
The system is designed to function within existing merchant workflows, ensuring that there is no need for additional integration complexity or process changes. This allows merchants to leverage the enhanced capabilities without modifying their current systems or customer engagement strategies.
Leadership Statements on the Partnership
Amin Sabzivand, Chief Operating Officer of Sezzle, stated:
“This partnership allows Sezzle long-term lending customers to access greater spending power, while keeping the experience simple, transparent, and entirely within the Sezzle ecosystem. By integrating Pagaya’s decisioning tools alongside our core product, we’re giving shoppers more choice at checkout and helping merchants unlock higher-value transactions without added complexity.”
Sanjiv Das, co-founder and President of Pagaya, commented:
“By embedding Pagaya’s AI-powered underwriting platform alongside Sezzle’s existing decisioning, we can responsibly extend higher spending capacity and more flexible financing options without adding friction for shoppers or merchants. We are fundamentally evolving how we show up at the point of sale by positioning Pagaya as a personal loan provider seamlessly integrated into our partners’ platforms. This collaboration allows Pagaya and Sezzle to jointly pursue enterprise-level merchants with a lending product that drives higher approval rates. It’s a prime example of how our technology enables partners to offer a more differentiated, comprehensive solution to their biggest merchant clients.”
Pagaya’s Embedded Decisioning and Product Development Approach
Pagaya continues to focus on developing embedded decisioning tools and financing products that enable lenders and financial platforms to expand access to credit responsibly. The company’s approach incorporates:
- AI-driven underwriting models
- Extensive data network utilization
- Real-time decisioning capabilities
These components are designed to:
- Increase approval rates while maintaining risk controls
- Enable higher credit limits and longer-term financing structures
- Deliver seamless customer experiences across integrated platforms
The partnership with Sezzle reflects Pagaya’s broader strategy of embedding its technology within partner ecosystems to enhance financial accessibility and improve transaction efficiency.
Growing Network of Financial Partnerships
Sezzle joins a broader group of financial institutions and platforms that collaborate with Pagaya to deliver credit solutions powered by advanced technology. This network includes both bank and non-bank partners that utilize Pagaya’s infrastructure to expand access to financial services.
The partnerships are characterized by:
- Integration of AI-based underwriting systems
- Deployment of real-time decisioning frameworks
- Seamless incorporation into partner platforms
These collaborations support the development of financial products that are designed to improve customer experience while maintaining operational efficiency for partners.
Loan Issuance and Credit Conditions
Loan products made available through the partnership are issued by Sezzle and third-party lenders, including WebBank. All loan offerings are subject to:
- Credit approval requirements
- Terms outlined in individual loan agreements
Customers are advised to review their loan agreements for detailed information regarding lender identity, repayment terms, and associated conditions.
About Pagaya Technologies Ltd.
Pagaya Technologies Ltd. is a global technology company focused on expanding access to financial products and services through advanced data analytics and machine learning. The company utilizes:
- Machine learning technologies
- A large-scale data network
- AI-driven modeling approaches
to provide consumer credit and other financial solutions to its partners, their customers, and investors.
Pagaya’s platform includes:
- Proprietary APIs
- Integrated capital solutions
- Seamless connectivity across partner ecosystems
These capabilities enable financial institutions and platforms to deliver improved user experiences and broaden access to financial services. The company operates with the objective of reshaping the financial services ecosystem by increasing inclusion and accessibility.
About Sezzle Inc.
Sezzle Inc. is a fintech company focused on providing digital payment and financing solutions designed to support consumers throughout their financial journey. The company’s platform offers:
- Point-of-sale financing solutions
- Digital payment services
- Integrated shopping and financial management tools
Sezzle’s application enables users to:
- Shop across a network of global merchants
- Earn rewards and incentives
- Access financial education resources
The company emphasizes:
- Transparency in financial products
- Ease of use across its platform
- Support for responsible spending and financial independence
Through its network, Sezzle connects millions of consumers with merchants while providing tools that enhance purchasing power and financial management.
Media Contact
For additional information, visit pagaya.com.
Source Attribution
Source: Company announcement
