What is Amazon Pay and How Does it Work?

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The world of online payment services extends beyond Google Pay and Apple Pay. Amazon Pay offers another way to make easy and secure online payments. This article explores what Amazon Pay offers and how it works.

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Good to know: learn how to use Google Pay to track spending and budget your money.

What is Amazon Pay?

Amazon Pay is Amazon’s in-house payment solution designed to streamline the payment process for Amazon users, emphasizing speed, security, and ease of use.

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You don’t have to take any extra steps to create an Amazon Pay account. All you need is an Amazon account and you’ll be able to take advantage of the payment service. Just sign up for one by accessing the Amazon website or app and clicking on the Hello, sign in button in your browser or New to Amazon.com? Create an account on mobile.

Amazon Pay is already integrated into Amazon, but you can also use the service to pay on websites other than Amazon by using the payment options already associated with your Amazon account. Amazon Pay is available whether you’re shopping from a computer/Chromebook or via your mobile device.

Tip: check how to change country and language on Amazon quickly.

How Does Amazon Pay Work?

Amazon Pay works in the same fashion as similar e-wallets including Google Pay or Apple Pay.

With Amazon Pay, there’s no need to enter your card details each time you place an order. Your information is securely stored on Amazon’s servers for easy access and is readily available whenever it’s needed.

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If you have an Amazon account, you can already make payments on non-Amazon websites and apps that accept Amazon Pay. There is no separate registration process you need to go through. To purchase via Amazon’s payment service, just look for the Amazon Pay button on the merchant’s website.

As for making purchases on Amazon, Amazon Pay is already integrated, so all you need to do is add the items you need to your cart, go to checkout, select the card you wish to pay with, and then place the order. It’s that simple.

For added convenience, Amazon provides a way to track your Amazon Pay transactions from within your Amazon account. If you notice any suspicious activities, you can instantly raise a dispute with their customer service. You can find your transaction information by going to Amazon and then opening up Account -> Your Payments.

What are the Benefits of Using Amazon Pay?

There are multiple benefits of using Amazon Pay:

  • Allows you to easily make fast payments on non-Amazon merchant websites across the globe. Since you don’t have to input your credit card details every time you make a purchase, you can breeze through the checkout process. Amazon Pay streamlines the process by eliminating the need to create separate accounts on individual websites, saving you valuable time.
  • For customer convenience, Amazon offers a variety of payment options for purchases, including debit and credit cards from major networks like Visa, Mastercard, American Express, Discover, JCB, and Diners Club. Additionally, You can pay via the Amazon Store Card when shopping on Amazon website or app to cover some or all the payment.
  • Amazon Pay prioritizes buyer protection by incorporating the A-to-z Guarantee, which safeguards purchases. The policy applies to purchases made using Amazon Pay on eligible third-party sites. It guarantees the condition and timely delivery of qualified purchases. To ensure secure transactions, the system utilizes built-in anti-fraud technology, offering customers additional peace of mind. Additionally, 24/7 customer support is available.
  • Using Amazon Pay costs you nothing. You only have to sign up for a free Amazon account to start using the service. Your purchases will incur no setup or membership fees.
  • You can use Amazon Pay to donate to causes that are important to you.

FYI: want to save money while shopping on Amazon? Check this useful list of hacks for a few ideas.

What are the Disadvantages of Using Amazon Pay?

Having an Amazon account automatically grants access to Amazon Pay. However, it’s important to consider any potential drawbacks associated with using the service.

  • Only Amazon customers can use Amazon Pay. You can’t use the service without an Amazon account.
  • Unfortunately, you can’t use Amazon gift cards when placing an order using Amazon Pay on third-party websites. Amazon Gift Cards can be used to acquire only eligible goods and services on the Amazon online shop and certain related sites.
  • Amazon Pay only accepts debit and credit cards. In some cases, you’ll be limited to using solely Visa and Mastercard credit cards. You won’t be able to add any other cards to the service, such as, for example, prepaid cards.
  • While Amazon Pay is free to sign up and use, relying on the service to make purchases might incur foreign transaction fees if your card is issued in a different country than the merchant’s. Additionally, your card issuer’s terms and conditions might impose extra fees on your transactions.
  • While Amazon Pay offers convenience, it’s not currently available at all online retailers. If having a wide range of payment options is crucial for you, consider exploring other payment methods such as Google Pay.

Tip: Apple Pay not working for you? Check our post for solutions on how to remedy the situation.

Amazon Pay is part of the package for any Amazon customer. If you want to upgrade your Amazon experience further, you can sign up for Prime and take advantage of even more benefits. If you don’t want to use Amazon anymore, here’s how to delete your account.

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Alexandra Arici
Staff Writer

Alexandra is passionate about mobile tech and can be often found fiddling with a smartphone from some obscure company. She kick-started her career in tech journalism in 2013, after working a few years as a middle-school teacher. Constantly driven by curiosity, Alexandra likes to know how things work and to share that knowledge with everyone.

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