Why Amazon Your Bank Declined This Payment and How to Resolve

Your bank may have declined an Amazon payment due to insufficient funds, overdraft protection, or a temporary hold on your account.

Insufficient funds are the most common reason for payment declines.

Amazon will try to charge your account again, but if the payment still fails, you'll receive an email notification.

If you've received an email notification, it's time to investigate the issue and resolve it.

Amazon's payment systems can experience hiccups, just like any other robust system.

Amazon processes a staggering number of transactions every day, with over 300 million active customer accounts worldwide. In 2020, Amazon generated $386 billion in net sales.

The average online retail transaction decline rate is 3.8%, which is a reasonable estimate for Amazon's payment failure rate. Even a tiny percentage of declined payments can impact a significant number of orders.

Here are some possible reasons for payment issues on Amazon:

Amazon's "Payment Revision Needed" message can be frustrating, but understanding the causes can help you resolve the issue quickly.

One common reason for this message is an expired credit card. If your card has expired, Amazon won't be able to process your payment.

If you're using a joint account, like the user with a Nationwide account, Amazon might refuse payment. This can be resolved by using a separate account or transferring funds.

Other possible reasons include insufficient funds, incorrect billing address, or card limit reached. If your card details are incorrect, such as the name, CVV number, or expiration date, Amazon will also decline the payment.

Here are some possible reasons for Amazon to refuse payment:

If you're trying to figure out what's going on with your Amazon payment, checking your status and amount is a great place to start. You can do this on Amazon's site or by looking at your bank or card statement.

To check on Amazon, log into your account and head to the "Returns & Orders" page. Find the specific order and look for payment status details. If you see "Payment declined" or "Authorize pending", the charge likely didn't go through.

On your bank or card statement, check your recent transactions for the past 5-7 business days. Look for any charges from Amazon with an amount matching your order total. If you don't see any Amazon charges, payment likely hasn't been processed yet.

Here are the steps to check your payment status on Amazon and your bank statement in a quick reference format:

If you see a "Grand total" line with an amount on Amazon, that's what you were or will be charged.

To check your Amazon order status, start by logging into your account and going to the "Returns & Orders" page. Look for the specific order and check the payment status details.

If you see "Payment declined" or "Authorize pending", the charge likely didn't go through. This could mean you'll need to contact Amazon customer support to resolve the issue.

Check your bank or card statement for the past 5-7 business days to see if the charge has posted or is still pending. Look for any charges from Amazon with an amount matching your order total.

If you don't see any Amazon charges, payment likely hasn't been processed yet. You can then wait a few more days for the charge to finalize, as pending charges can take 2-3 business days to finalize.

Here's a quick summary of what to check on both Amazon and your bank or card statement: