Sezzle Pay is making it easy for online merchants to accept low cost ACH payments. We combine bank authentication technology with time tested ACH to enable Instant ACH transactions. The underlying cost of ACH is extremely low when compared to credit card processing. We share the value created with all stakeholders. We share that value with consumers using Sezzle by offering attractive rewards in exchange for acceptance of anonymized data collection on purchases. We share that value with merchants using Sezzle by offering lower cost processing paired with marketing insights on their customer base via anonymized purchase data, behavior and analytics tools. We also make the regulators and banks happy by adding a security layer to ACH via our 2-factor authentication process.