nostr:npub1qq7hl5sl6z0l0ahk8f6a4uv5mkvlama7dyvucdmtwdva2zg24xnqyafedr Sezzle makes money primarily by charging the merchant 2-3x what a credit card fee would in processing fees (6%). A little bit more if you don't pay on time because it becomes a high interest loan.

For a high margin business like pizza it's more profitable to make several percent less on a sale than to not make the sale at all. Businesses don't set up their own microloans because it's actually a lot of work at small scale and it's better for PR not to have some someone's grandma crying on TV because the Domino's delivery guy is repoing her house.