
You can pay on Amazon with multiple options, making it easy to shop online. Amazon offers a range of payment methods, including Amazon Pay Balance.
Amazon Pay Balance can be funded with a credit or debit card, and you can use it to make purchases on Amazon. This option is convenient for customers who want to avoid using their cards for every transaction.
You can also use a credit or debit card directly on Amazon, or link your bank account for a more seamless checkout experience. Amazon accepts a wide range of payment cards, including Visa, Mastercard, and American Express.
Amazon offers a few other payment options, including Amazon Cash, which allows you to add cash to your Amazon account at participating retailers.
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Payment Methods
Amazon offers a variety of payment methods, including credit and debit cards, such as Visa, MasterCard, American Express, and Discover. You can also use prepaid gift cards from credit card companies like Visa, MasterCard, and American Express.
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You can link a checking account to use towards Amazon payments, but you'll need your account and routing numbers, as well as your name, address, and driver's license number. Amazon gift cards are another possible payment method, and you can upload the gift card number to your account once you've received it.
If you're looking for more flexibility, you can consider using a Buy Now, Pay Later service like Amazon's Monthly Payments or Affirm. With Affirm, you can pay for your purchase in equal payments over 3-48 months, depending on the cost of your order.
Here are some accepted payment methods on Amazon:
- Visa, MasterCard, American Express, and Discover
- Prepaid gift cards from credit card companies like Visa, MasterCard, and American Express
- Linked bank account
- Amazon gift cards
- Amazon store card
- Amazon Pay
- Amazon PayCode
Choosing a Method
Amazon offers a variety of payment methods to suit different needs and financial situations.
If you want to maximize your rewards and cash back on Amazon purchases, consider using a credit card with rewards and cash back benefits, such as Amazon-branded credit cards or cash back credit cards.
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Amazon accepts a wide range of credit and debit cards, including Visa, MasterCard, Discover, American Express, and more.
If you want to budget for a larger item over time, consider using a Buy Now, Pay Later service like Amazon's Monthly Payments or Affirm.
You can also use Amazon gift cards, which can be purchased online or in-store, and can be used to make purchases on Amazon.
Here are some payment methods to consider:
- Credit cards with rewards and cash back benefits
- Buy Now, Pay Later services like Amazon's Monthly Payments or Affirm
- Amazon gift cards
- Debit cards
- Cash
- Checks
Keep in mind that some payment methods may have specific requirements or restrictions, such as using a prepaid credit card or linking a bank account to your Amazon account.
Ultimately, the best payment method for you will depend on your individual financial situation and needs.
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Equal Pay Financing
Amazon offers a financing option called Equal Pay, which allows you to pay off a larger purchase over time. The payoff period ranges from 6-24 months, depending on the size of your order, which must be at least $150 to qualify.

Interest-free payments are split equally over the payment period, making it a convenient option for those who need more time to pay off a big purchase.
To qualify for Equal Pay, you don't need to have a minimum credit score or undergo a hard credit check. This makes it accessible to a wide range of customers.
If you're considering Equal Pay, be aware that it's only available for orders of $150 or more, so make sure your purchase meets that threshold.
Amazon's Equal Pay program is a great option for those who want to break up a large purchase into manageable payments over time.
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Can You Use Credit For?
You can use PayPal Credit on Amazon, but it's not the most straightforward process.
Amazon isn't a PayPal-accepting store, so you can't really use PayPal Credit directly there.
Using PayPal Credit for Amazon purchases is only worthwhile if you already have money in your PayPal account that you want to spend.
If you're looking for alternative payment options, a standard credit or debit card might be easier to use.
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Alternative Options

You've got options beyond credit cards when it comes to paying on Amazon. Wise offers a debit card for a one-time fee that you can use in online or physical stores.
You can also consider third-party services that offer Buy Now, Pay Later via an app or browser extension. This can give you more flexibility over how you pay.
If you're making international payments on Amazon, Wise's debit card is a good choice, as it ties to the Wise Account and offers the mid-market exchange rate, saving you from hefty fees.
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Alternative Card Option
If you're looking for an alternative card option to use on Amazon, you have a few choices beyond traditional credit cards. Wise offers a debit card that can be used in online or physical stores, and it's tied to the Wise Account, making international payments a breeze.
You can also consider third-party services that offer Buy Now, Pay Later via an app or browser extension. This can be a good option if you're not ready to commit to a traditional credit card or debit card.
One thing to keep in mind is that Amazon accepts a wide range of cards, including Visa, MasterCard, American Express, and Discover. However, if you're looking for a card that offers cash back or rewards, you may want to consider a specific credit card designed for Amazon purchases.
If you do decide to go with a credit card, be sure to check the terms and conditions to see if it offers any additional perks, such as purchase protection or return protection.
Here are some key features of the Amazon Store Card:
- 5% cash back on all Amazon purchases
- Extra 5-15% cash back on select items throughout the year
- Financing options on eligible purchases of $150 or more at 0%, for 6, 12, or 24 months
The Amazon Store Card is a good option if you're a frequent Amazon shopper and want to earn cash back on your purchases.
Alternate Options
If you're looking for alternative options to pay at Amazon, you're in luck. There are several ways to spread your purchase out over time or have more flexibility over how you pay.
One option is to use third-party services that offer Buy Now, Pay Later via an app or browser extension. These services can provide more flexibility than traditional credit cards.

You can also use Affirm to finance your online purchases at Amazon. Affirm applies to eligible items over $50, and you can apply for it directly at checkout or on Amazon's home page.
With Affirm, you can pay for your purchase in equal payments over 3-48 months, depending on the cost of your order. Here's a breakdown of the payment options:
Just keep in mind that Affirm has an APR of 10-30%, depending on your credit, and you'll need to pass a soft credit check to be eligible.
Options Not Available
Some payment options aren't available on Amazon. Unlike other retailers, you can't use PayPal on Amazon purchases.
Amazon has its own digital payment processing service called Amazon Pay. This service stores your payment methods within its system, keeping your information secure and making it easier to pay.
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Gift Card and Subscription
If you're looking for alternative payment options on Amazon, you can consider using a gift card. You can purchase Amazon gift cards in various denominations, and they can be used to buy products and services on the platform.
Amazon offers a wide range of gift card options, including physical cards and digital gift cards that can be sent via email or text message.
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Store Card
The Amazon Store Card is a great option for frequent Amazon shoppers. It offers 5% cash back on all Amazon purchases.
You can choose between two versions of the card, depending on whether you have a Prime membership or not. If you don't have Prime, you'll get The Store Card, which doesn't offer cash back.
This card can only be used at Amazon.com, Audible, Amazon Bookstore, Amazon Web Services, and places that accept Amazon Pay. You can't use it at Whole Foods, so it's not ideal for grocery rewards.
The FICO credit score requirement is 640+, and there's no annual fee. You'll get a $10 Amazon gift card as an introductory offer.
Here are the benefits of the Amazon Store Card:
- 5% cash back on all Amazon purchases
- Extra 5-15% cash back on select items throughout the year
- Financing options on eligible purchases of $150 or more at 0%, for 6, 12, or 24 months
Buy Gift Card
You can buy Amazon gift cards from various online retailers, such as Dundle and My Gift Card Supply, in addition to Amazon itself.
To use a gift card on Amazon, simply insert the gift card code and click to redeem it. This will add the gift card balance to your Amazon account balance, which you can use towards future purchases.
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You can also buy Amazon gift cards on eBay if that's where you're shopping.
Here's a step-by-step guide to adding a gift card to your Amazon account balance:
- Go to Amazon website and log into your account
- Click on your name (top right corner) and select Your Account
- Go to the Gift Cards square
- Insert the gift card code and click to redeem it.
Monthly Subscription
Monthly Subscription is a great option for those who want to budget their purchases over time. You can split the cost of an item across five months with no interest or fees using Amazon's Monthly Payments program.
The price of the item is divided into five equal installments, with your first payment due when the product ships, which is 20% of the total price. Each payment is due 30 days after.
To qualify for Monthly Payments, your Amazon account must have been active for at least one year, have a credit card tied to your account, and have a positive payment history at Amazon. There's no credit check when using Monthly Payments, but only certain items are eligible.
Here's a step-by-step guide to applying for Monthly Payments:
- Sign in and verify your account is eligible for Monthly Payments by clicking “enable monthly payments”
- Select an eligible product and select the payment options
- Pay your first month, plus taxes and shipping
How to Use a Cash Card
A cash card, also known as a prepaid card, is a type of gift card that can be used to make purchases online or in-store.
You can load funds onto a cash card in various ways, such as by buying it with cash or loading it online. For example, you can buy a cash card with a fixed amount of $25, or load a cash card online with a specific amount of your choice.
To use a cash card, you need to have it registered first, which can be done online or by calling the customer service number. This will help prevent unauthorized use and ensure that you can track your balance easily.
If you have a cash card with a Visa or Mastercard logo, you can use it to make purchases online just like you would with a regular credit card. However, keep in mind that cash cards often come with fees, such as a monthly maintenance fee or a fee for loading funds.
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How to
To pay on Amazon, start by ensuring you have a valid payment method saved on your account. This can be a credit or debit card, or even a digital payment service like Amazon Pay.
Amazon accepts a wide range of payment methods, including Visa, Mastercard, and American Express. You can also use Amazon-specific payment options like Amazon Pay balance.
To add a payment method, go to your Amazon account settings and click on "Payment options." From there, you can add a new payment method or edit an existing one. Make sure to enter your payment information accurately to avoid any issues with your order.
Amazon requires a valid billing address for all payment methods, so be sure to enter your address correctly. This is to ensure that your payment can be processed smoothly.
If you're having trouble with a payment method, you can try contacting Amazon customer service for assistance. They can help you troubleshoot the issue or provide additional information on how to resolve the problem.
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Payment Tools
You've got options when it comes to paying on Amazon, and it's not just PayPal. Wise also offers a debit card for a one-time fee, which you can use in online or physical stores.
You can use a credit card to make purchases on Amazon, and it's one of the most popular payment methods. Amazon accepts Visa, Mastercard, Discover, and American Express.
If you're planning to make international payments, Wise's debit card is a great option because you'll always get the mid-market exchange rate. This can save you money on fees compared to using banks or companies like PayPal.
Some credit cards offer additional perks like cash back or points, which can be a great bonus for your purchases. However, not all cards are created equal, and you may want to consider using a different card depending on your specific purchase.
You can use a credit card to take advantage of shopping protections, including purchase protection, return protection, and extended warranty. This can give you peace of mind when making online purchases.
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Frequently Asked Questions
How to pay on Amazon without a card?
You can pay on Amazon without a credit or debit card by adding alternative payment methods like gift cards, prepaid credit cards, or linking a US-based checking account. Explore Amazon's accepted payment options to find the one that suits you best.
Why won't Amazon let me use this payment method?
Check your Amazon account settings for accuracy and completeness, as incorrect information may prevent payment method changes
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