Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Sezzle vs Cash App

Sezzle 4.9★ · Free to download 60
Winner Cash App
Cash App 4.8★ · Free to download 75

Cash App is generally more reliable for basic money transfers and banking features, while Sezzle offers a buy now, pay later service with mixed user experiences regarding fees and customer support.

Full reviews: Sezzle · Cash App

Cash App excels in ease of use for sending and receiving money, though it faces significant issues with account freezes and customer service for complex problems. Sezzle provides a buy now, pay later option that many find helpful for managing cash flow, but it is frequently criticized for high fees, mandatory subscriptions, and inconsistent customer support.

Head to head

Core Functionality (Buy Now, Pay Later vs. Money Transfer) edge: Cash AppR1R2R5R8
Sezzle Sezzle is praised by many users for making purchases convenient and easy, allowing them to split payments and manage cash flow, which is especially helpful for larger expenses or for those with limited immediate funds R2R5R8. However, a significant number of users report issues with their available balance being inconsistently adjusted, accounts being restricted, and payments not processing R1R13.
Cash App Cash App is widely used for its core function of sending and receiving money, with users frequently highlighting its ease and simplicity . Users appreciate features like customizing their card and managing money for kids . However, many users report critical issues with payments being denied, accounts being frozen or locked without clear reasons, and money being held R61R64.
Fees and Pricing edge: Cash AppR3R7R16R19
Sezzle Sezzle users frequently complain about numerous fees, including a $20 monthly fee for 'Anywhere pay' or to use the money and make payment plans, fees for making payments with a debit card, and high late payment fees R3R7R16R19. Some users feel these fees are predatory and make the service too expensive R23.
Cash App Cash App users mention some fees, such as charges for a new card or issues with loan features . There are also complaints about microtransactions from unknown companies . However, the general sentiment regarding fees is less negative compared to Sezzle, with many appreciating the ease of use for basic transactions.
Customer Service and Support tieR1R12R13R16
Sezzle Sezzle's customer service receives overwhelmingly negative feedback, described as 'utterly pathetic,' 'extremely lacking,' and providing 'auto-generated nonsense' R1R12R16R27. Users report issues with disputes being ignored, account access problems not being resolved, and difficulties getting help for missing reward points R1R12R13R16. A few users, however, had positive experiences with quick responses to disputes .
Cash App Cash App's customer service is also a major point of contention, with users calling it 'terrible,' 'awful,' and unhelpful for resolving issues like stolen money, account freezes, or loan problems R67. Many report receiving AI-generated responses that don't address their concerns and a lack of empathy from support agents .
Reliability and Technical Issues tieR6R9R11R13
Sezzle Sezzle users frequently report technical problems, including the app not opening, mandatory updates every few days, issues with exchanging points, and login difficulties R6R9R11R13. Payments can take a long time to process and update spending limits .
Cash App Cash App also has its share of reliability issues, with users reporting problems receiving their physical cards, app not restarting or going to a black screen, and general wonkiness . Account verification problems are also common, leading to locked accounts .
Value and Benefits edge: Cash AppR2R8R11R12
Sezzle Many Sezzle users find significant value in its payment plan options, which help them manage finances, make necessary purchases, and even build credit R2R8. The ability to earn points and gift cards through games is also a perceived benefit, though some report issues with point accrual and changes to the rewards system R11R12.
Cash App Cash App is valued for its convenience in sending and receiving money, the ability to customize cards, and its utility for managing money, including for children . It's seen as a simple and accessible banking alternative for many.
Pick Sezzle if

you need a buy now, pay later service to manage cash flow for purchases and are willing to navigate potential fees and inconsistent customer support R2R8.

Pick Cash App if

you primarily need a simple and easy-to-use app for sending and receiving money, and don't mind the risk of potential account issues or less-than-stellar customer service for complex problems .

Evidence note: Both apps have a significant number of negative reviews, often highlighting issues with customer service, account access, and fees. Sezzle's negative reviews frequently focus on its fee structure and subscription model, while Cash App's often revolve around account freezes, lost funds, and unhelpful support for these critical issues. The free-to-download nature of both apps means that some negative feedback might stem from users encountering limitations or fees associated with advanced features or specific use cases.

Frequently asked

Does Sezzle charge fees?
Yes, Sezzle charges various fees, including a $20 monthly fee for its 'Anywhere pay' feature, fees for making payments with a debit card, and late payment fees which can be around $25 plus a processing fee R3R7R23R39.
Is Cash App reliable for holding money?
While many users find Cash App reliable for transactions, there are numerous reports of accounts being frozen, money being held for months, and funds being lost or stolen without adequate resolution from customer service R61R64R67R94.
How is customer service for Sezzle and Cash App?
Customer service for both Sezzle and Cash App is a frequent point of criticism, with users describing it as 'pathetic' and 'terrible,' often providing unhelpful or automated responses to critical issues like account access, lost funds, or disputes R1R12R16R27.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R1] Sezzle 1/5 · US Inconsistent available balance: They’ll tell you that your available balance will go up if you pay early or on time, but that’s a lie, I made an early payment of $115 and they took $400 dollars away from my available balance. Once again as soon as my available balance reached $2000 Sezzle found a way to restrict my account, now I can’t use it at all, and customer service is utterly pathetic.
  2. [R2] Sezzle 5/5 · US Sezzle where have you been all my life!!!: Sezzle has made it convenient and easy for me to make purchases for my family without breaking the bank. As a single Mom with 3 daughters!! kudos to Sezzle you are the best!! Thank you sooo much!!!
  3. [R5] Sezzle 5/5 · US Incredible: I’m happy good deal to buy and pay later
  4. [R8] Sezzle 5/5 · US The best: I literally use this app for everything from building up my gold & silver savings, fixing and building my race car, emergency expenses. Its the greatest thing ever! You can split in 4 or 5 and they even go as far as giving you FREE reschedules if you happen to have a different expense in your due date. I highly recommend this app to anyone. They start you off at 300$ after about a year o
  5. [R3] Sezzle 3/5 · US It’s okay: The app is okay for borrowing money and payment plans but I’ve definitely had better before (Klarna, Shop, Afterpay, Affirm). Sezzle requires you to pay a $20 monthly fee just to even be able to use the money and make a payment plan and they tried to make it sound cool but coining it as (Anywhere pay) when the pay should’ve been available to be used anywhere from the beginning. They als
  6. [R7] Sezzle 1/5 · US Ridiculous: This app is ridiculous. My card was locked which caused me to have “failed” payment i can understand if the card had insufficient funds these people charge me $42 in fees, almost twice the cost of what was owed ridiculous. Rip off money hungry
  7. [R16] Sezzle 1/5 · US Sezzle Allowed Fraudulent Charges, Ignored and Canceled My Sub: This is the worst of any buy now pay later app. Go with literally anyone else. It’s annoying AF to use and costs way too much to use, monthly. I had a charge from Amazon but received no product at all. I opened a dispute and contacted “priority support” that you get from a subscription, but they ignored me or just sent auto-generate
  8. [R19] Sezzle 1/5 · US What happened?: Every online store I frequently use now comes with a monthly fee. No thanks. Keep your membership. This was a dumb move
  9. [R12] Sezzle 3/5 · US Legitimate app but poor service: This app is legit, I have honestly made about +$160 in gift cards in just a month and a half, mostly thru arcade games and the money IQ. They also are good for credit reporting and giving you a decent amount for buy now pay later. The customer service is extremely lacking though. First time i had issues with not getting reward points for a game i had played an
  10. [R13] Sezzle 1/5 · US Problems: Every time I try to pay with my Sezzle balance it won’t process, I have reported 7 times with no resolve, still have money that I loaded that I can’t use.
  11. [R6] Sezzle 3/5 · US Can you STOP updating: EVERY 2 days it feels like there is a mandatory update and it’s annoying
  12. [R9] Sezzle 3/5 · US App works when it wants.: Love sezzle itself but the app never wants to open for me when I need to use it !
  13. [R11] Sezzle 4/5 · US Please fix: App is good but just recently I haven’t been able too exchange my point to Sezzle spend which is disappointing and it won’t let me convert the points too gift cards anymore I think there’s a bug issue or idk but besides that it’s good overall if you like playing games n making a quick buck
  14. [R23] Sezzle 1/5 · US Predatory Lender: So you try and make a payment with your debit card the very bank issued card you initiated the purchase with and find… there is a fee for that. Then you realize your being directed to link your actual bank account to avoid the fee; which not only do I strongly disagree with but my bank refuses to work with Plaid. So next you think I’ll add money to my sezzel balance and pay that
  15. [R39] Sezzle 1/5 · US missed payment is actually $25.00 late payment fee + processing fee: what they dont tell you is if you miss a payment itll cost you about 25$ actually, no other version of this service ive used charges a processing fee even if you dont pay them back for 5 years+ its just 1 late fee. theres much less exploitative iterations of this type of service that actually help your credit score directly.
  16. [R61] Cash App 1/5 · US Will hold your money for politics: They debited my account for $500 and then froze and flagged it for review and had to escalate all the way up to a special embargo review team because I mentioned Ayatollah in my note section. Just so you understand how crazy this is they took $500 from me and held it for about six months because I said “Ayatollah resurrection chamber”
  17. [R64] Cash App 1/5 · US Garbage: I have been using Cash App for years to send my rent to my landlord and now they are saying because of security purposes they won’t allow my payment to go through. That’s kind of funny when I could transfer thousands of dollars in the past and now they’re denying the service to me. What is the point then? And why would you do this to someone when I’m trying to keep a roof over my children
  18. [R67] Cash App 1/5 · US Lost my money.: I had Cash App and someone went in and was able to wipe all my money out. Cash App wouldn’t investigate to get my money back. 2 people took my money. Showed me their picture with there face covered up with there phones. My bank said I had to get cashapp to investigate it, Cash App said they don’t do that. These same 2 people was able to get money out of my bank account as well.bett
  19. [R94] Cash App 1/5 · US Holding a customer’s money for months without resolving the issue is unacceptable. I have completely: Give my money back !!!!
  20. [R27] Sezzle 2/5 · US Customer service is terrible and takes forever to process payments: I used sezzle as a payment method at least 3 times. I made some returns on my very first order and I’m still waiting on my refund. I contacted customer support for clarification and the agent literally cut our conversation short without resolving the problem. Not only that, but they make you pay for their subscription to be able t

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store