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Amazon Pay 2023: Card Processing Reviews & Complaints
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Amazon Pay (previously known as Amazon Payments) is an electronic payment service that allows Amazon.com customers to pay for purchases on other websites by using their Amazon.com account.
In 2023, Amazon Pay added a “buy now pay later” feature to its offerings.
Before we dive in, here’s a short summary of what we’ll cover:
- Amazon Pay’s various payment processing services.
- Amazon Pay has no monthly fees or cancellation penalty but its rates are slightly more expensive than those of the best providers.
- The company has received few complaints relative to its size.
Amazon Pay Payment Processing
Amazon customers simply store their credit card and shipping information in their Amazon Pay account and can then check out on all Amazon Pay-enabled websites without having to enter payment information again. The service is similar to PayPal in that customers can either pay with the information stored in their accounts or enter payment information during the checkout process. The company also offers payment by voice through its Alexa service. The service is also sometimes called “Amazon Login and Pay.”
In-App Purchases and Amazon Pay
Amazon Pay extends its service to mobile applications, enabling in-app purchases. This allows app developers to offer an easier payment process, directly benefiting from Amazon’s wide user base and established trust.
Alexa Skill Payments
One unique feature of Amazon Pay is the integration with Alexa skills. This means users can conduct voice-activated transactions, ranging from ordering a pizza to paying utility bills, without manually entering payment information.
Amazon Pay offers subscription payment solutions that facilitate recurring billing, commonly used for services like digital media subscriptions, box subscriptions, and premium memberships.
Amazon Pay includes fraud protection capabilities backed by Amazon’s own robust security protocols. This is particularly crucial for online businesses aiming to maintain customer trust while also safeguarding their own operations.
Amazon Pay supports multiple currencies and is accessible in several countries, making it suitable for businesses with a global customer base.
Pay with Amazon Pay Button
For merchants, the recognizable ‘Pay with Amazon Pay’ button can be easily integrated into their websites, allowing customers to transact without leaving the site.
Amazon Pay offers detailed transaction analytics and customer insight reports, which can be useful for merchants in understanding customer behavior and optimizing sales strategies.
A Discontinued Mobile Payment Service
On August 13, 2014, Amazon launched a new service called Amazon Local Register. Similar to Square, the service utilized a free app and a swiper that could be plugged into phones or tablets to enable merchants to accept payments. Amazon Local Register has since been discontinued.
A Single E-Commerce Umbrella
This Amazon Pay review is only going to focus on the Amazon Pay business account used by businesses for accepting payments from customers. At the time of a previous update, Amazon offered two different services called “Checkout by Amazon” and “Amazon Simple Pay” that served separate business types. Since then, Amazon Simple Pay was discontinued, and Checkout by Amazon was discontinued in April 2017. Amazon now seems to group all of its e-commerce checkout options under the name “Amazon Pay.”
Location & Ownership
Amazon Pay’s headquarters are at 410 Terry Ave N. Seattle, Washington 98109. Patrick Gauthier is Vice President of Amazon Pay.
Review Table of Contents
- Costs & Contract: Charges 2.9% plus $0.30 for domestic transactions and 3.9% plus $0.30 for…
- Complaints & Service: Has received more than…
- BBB Rating: The Better Business Bureau does not maintain…
- Sales & Marketing: Does not hire independent sales representatives and fully discloses its…
Amazon Pay Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||30+|
|Live Customer Support||Yes|
|Most Common Complaint||Fund-Holds|
For a business of its size, there are relatively few negative Amazon Pay reviews online. The majority of complaints appear to be filed by consumers rather than merchants. Most of the consumer complaints are directed toward the sites that use Amazon Pay, with Amazon Pay getting blamed for problems that look to have been caused by the websites themselves. If you have your own Amazon Pay review to make, please let us know in the comments below.
Of the available merchant Amazon Pay complaints, the majority are attributed to the holding of a client’s funds by Amazon or poor customer service from Amazon. Some of these complaints appear to be based on the business simply not understanding how Amazon Pay handles the payment process. A handful of complaints also report glitches in the account setup process. Overall, it seems that the vast majority of Amazon Pay clients do not encounter major issues with fund holds or technical issues, but 31 users of the service accuse Amazon Pay of being a ripoff or scam.
Amazon Pay Lawsuits
In 2023, Amazon Pay was sued by a client over deactivating their account. The suit is ongoing. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
Amazon Pay Customer Support Options
Amazon Pay handles most of its customer support through email, but the company does provide a phone number for users who are logged into their accounts.
Amazon Pay Customer Service Number
- (866) 216-1072 – Toll-Free General Customer Service
Amazon’s customer service department seems capable of handling complaints, but it does not rank among the top payment processors for customer service.
Amazon Pay Online Ratings
Here's How They Rate Online
No Dedicated Profile
Amazon Payments does not have a dedicated Better Business Bureau profile; however, Amazon itself holds a “B+” rating with the BBB and has been accredited since 1996. Given the fact that this profile is not an accurate representation of merchant satisfaction with Amazon Payments, we will not factor a BBB report into the company’s overall rating. In any case, readers should not rely on the BBB alone to assess a company’s trustworthiness, because there are reasons to be skeptical of the BBB’s rating system.
Amazon Pay Fees, Rates & Costs
A Closer Look at The Contract
|Monthly & Annual Fees||No|
Amazon Pay has no setup fees, monthly fees, or cancellation fees. The service provides web-based, mobile, and voice payments. Domestic transactions will be charged a processing fee of 2.9% plus $0.30 per transaction, while cross-border transactions will receive a fee of 3.9% plus $0.30. Amazon Pay also has a disputed chargeback fee of $20. When the service was first offered, all Amazon Payments Business Accounts started with a $500 limit for receiving funds until the merchant added a credit card to the account. Once a credit card was added, businesses could receive up to $10,000 in payments. If a verified bank account was also added the limit could be raised significantly or removed altogether. These limits may still be in effect, but we are unable to confirm this at this time.
No Lengthy Contracts
Generally speaking, the rates offered by Amazon are similar to those offered by PayPal, Stripe, and other online payment processors. There are not many Amazon Pay reviews that mention specific issues with the set rates. This, coupled with the absence of hidden fees and long-term contracts, makes the service a very affordable option even when compared to some of the cheapest merchant account providers.
Amazon Pay Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Uses Independent Resellers||No|
|Discloses All Important Terms||Yes|
Transparent Marketing and Rate Quotes
Amazon uses no misleading sales tactics while marketing its Amazon Pay service. The service is primarily marketed through Amazon’s traditional channels, and the company does not engage in any deceptive rate quoting that is apparent to this reviewer. In fact, Amazon differs from many providers by quoting its specific per-transaction fees in plain view on its website, which helps to realistically set client expectations. In addition, there are no Amazon Pay complaints indicating that Amazon misrepresents its fees or fails to disclose important terms. We will therefore assign Amazon an “A” in this category, but if you suspect that Amazon is charging you undisclosed fees, we recommend seeking a free third-party statement audit.
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