Amazon Pay Reviews & Complaints

Amazon Pay logo
Overall Score
5
full star full star full star full star full star

Would you recommend them?

Overview

In this article, we will provide a comprehensive overview of Amazon Payments, examining its services, fees, and the overall user experience. We will assess its strengths and weaknesses, compare it to other payment processors, and review customer feedback. Additionally, we will outline the necessary steps for setting up and using Amazon Payments, helping you make an informed decision about whether this service is suitable for your business needs.

About Amazon Payments

Also known as Amazon Pay, Amazon Payments is a payment processing service offered by the e-commerce giant Amazon. Launched in 2007, the service allows customers to use their Amazon accounts to make purchases on third-party websites. Amazon Pay has integrated with numerous e-commerce platforms, providing a seamless checkout experience. In recent years, Amazon Pay has expanded its reach, partnering with companies like Stripe and BigCommerce to enhance its service offerings. The platform supports a variety of payment methods, including credit and debit cards, as well as ACH payments. In 2019, Amazon Pay introduced voice payments through Alexa, further integrating its services into the everyday lives of its users. The service has continued to evolve, with recent enhancements aimed at improving security and reducing friction in the payment process.

Screen Capture of Amazon Pay Homepage
Amazon Pay Homepage

Amazon Pay Products and Services

Payment Processing

Amazon Pay allows customers to store their credit card and shipping information in their Amazon account, enabling them to check out on Amazon Pay-enabled websites without re-entering payment details. Similar to PayPal, users can pay with stored information or enter new payment information during checkout. Additionally, Amazon Pay supports voice-activated payments through Alexa. This service is sometimes referred to as “Amazon Login and Pay.”

In-App Purchases

Amazon Pay supports in-app purchases, making it easier for app developers to integrate payment processes. This benefits from Amazon’s large user base and the trust it has established with its customers.

Alexa Skill Payments

Amazon Pay integrates with Alexa skills, allowing users to make voice-activated transactions. This feature enables activities like ordering food or paying bills without manually entering payment details.

Subscription Services

Amazon Pay offers solutions for subscription payments, facilitating recurring billing for services such as digital media subscriptions, subscription boxes, and premium memberships.

Fraud Protection

Amazon Pay includes fraud protection, leveraging Amazon’s robust security protocols. This is crucial for online businesses to maintain customer trust and protect their operations.

Multinational Support

Amazon Pay supports multiple currencies and is available in several countries, making it a viable option for businesses with international customers.

Pay with Amazon Pay Button

Merchants can integrate the ‘Pay with Amazon Pay’ button into their websites, allowing customers to complete transactions without leaving the site.

Customer Insights

Amazon Pay provides detailed transaction analytics and customer insights, helping merchants understand customer behavior and optimize their 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.”

Amazon Pay payment processing
Amazon Pay offers a similar payment processing service to PayPal for businesses

Amazon Pay Customer Reviews

Customer Reviews Summary
Total Online Complaints 30+
Live Customer Support Yes
Most Common Complaint Fund-Holds
Recent Lawsuits Yes

Consumer Complaints about Amazon Pay

Despite its size, there are relatively few negative Amazon Pay reviews online. The majority of complaints seem to originate from consumers rather than merchants. These consumer complaints often target the websites utilizing Amazon Pay, attributing issues to them rather than Amazon Pay itself. Share your own Amazon Pay review in the comments below.

Merchant Concerns with Amazon Pay

Among the available merchant Amazon Pay complaints, a significant portion revolves around fund holds by Amazon or perceived shortcomings in customer service. Some complaints may stem from businesses misunderstanding how Amazon Pay manages payments. A few reports mention 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 Legal Matters

In 2023, Amazon Pay faced a lawsuit from a client regarding account deactivation. The status of the suit remains ongoing. Dissatisfied clients seeking alternatives to legal action can consider reporting issues to relevant supervisory organizations.

Amazon Pay Customer Support Channels

Amazon Pay primarily offers customer support through email, but the company does provide a phone number for users who are logged into their accounts.

Amazon Pay Customer Satisfaction Ratings

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 & Contract

Rates & Fees Summary
Cancellation Penalties No
Monthly & Annual Fees No
Processing Rates Variable
Equipment Leasing No

Transparent Pricing

Amazon Pay adopts a straightforward approach with no setup fees, monthly fees, or cancellation fees. The service offers web-based, mobile, and voice payment solutions. For domestic transactions, a processing fee of 2.9% plus $0.30 per transaction applies, while cross-border transactions incur a fee of 3.9% plus $0.30. Additionally, Amazon Pay imposes a disputed chargeback fee of $20. Initially, all Amazon Payments Business Accounts had a $500 limit for receiving funds until a credit card was added, enabling businesses to receive up to $10,000 in payments. If a verified bank account was also added, this limit could be significantly increased or removed entirely. While these limits may still be applicable, confirmation is currently unavailable.

Flexible Contracts

In general, Amazon’s rates are comparable to those of PayPal, Stripe, and other online payment processors. Reviews of Amazon Pay seldom cite specific issues with the set rates. This, combined with the absence of hidden fees and long-term contracts, positions the service as a highly cost-effective option, even when compared to some of the cheapest merchant account providers.

Amazon Pay rates Amazon Pay’s rates are fairly straightforward

Amazon Pay Employee Reviews & Sales Practices

Jobs & Marketing Summary
Uses Independent Resellers No
Telemarketing No
Misleading Marketing 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.

Amazon Pay Review Summary

Contact Amazon Pay

Contact & Customer Support
Vice President Patrick Gauthier
Headquarters 410 Terry Ave N. Seattle, Washington 98109
Toll-Free General Customer Service (866) 216-1072
Website https://pay.amazon.com/

Top Performing Amazon Pay Competitors

Host Merchant Services logo

HMS

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1.82% + $0.20

Pricing Details
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Helcim

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1.83% + $0.18

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CDG

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1.83% + $0.16

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Please note that we only suggest providers that adhere to strict ethical standards and offer top performing support at extremely competitive pricing. We may earn revenue if choose one of our recommendations.

Reader Comments, Testimonials & Complaints

23 User Reviews

  • silvia fioravanti

    SCAM. Amazon is holding $51,000 tha are mine since 8 months.
    I generally use paypal or stripe to process my customer credit cards but I decided to use Amazon.
    well they don ‘t give me back my funds and they don’t tell me why.
    for months their tech support, an indian person that emails you the following day a nonsense, was telling me that everything was perfectly configured and that I just had to be patient.
    Yesterday I just asked who is Amazon lawyer so my lawyer can contact them or sue Amazon .
    It is a scam. it is not a serius service. They hold my funds with no explanation since April and now is thanksgiving. THIS AMAZON PAY THING IS A SCAM STAY AWAY FROM IT.

    From The Editor
    This Post Might Help: How to Make Your Payment Processor Release Your Money

  • Amazon customer

    Ordered a pre paid Visa Gift Card for $105.95 and it was sent un activated. I called them for refund or activate, no one wanted to take a responsibility to fix the problem, claiming it had been over 30 days.What we supposed to use card within 30 days to see if you properly activated the card and balance is there , even tho card exp 2025! No one wanted to take a responsibility and take an action. From buyers on Amazon we see lots of negative reviews about this issue.Amazon Payment Inc, collect payments and mail not activated cards! We need a refund!
    https://www.amazon.com/Visa-Gift-Card-plus-Purchase/dp/B01MSBQB1P/ref=sr_1_1?ie=UTF8&qid=1517269961&sr=8-1&keywords=visa+card#customerReviews

  • Larry Ross

    I recently started using Amazon Pay for my Bonanza account. I have been using PayPal for over a decade, and I have never had the problems I have had with Amazon…all for only a single transaction. First, after making my first sell, Amazon froze my account, and it took two weeks of jumping through hoops to get it authorized with them. Second, my customer on my first sell disputed the sell. Amazon stepped in…and let me tell you…they are a NIGHTMARE to deal with. All kinds of threatening emails…do this within two days or you will be held responsible for the full amount of this claim. Do this, respond with this information, answer these questions…all with attached threats of “you will be held responsible for the full amount of this claim.” I resolved the claim with the customer, and I IMMEDIATELY closed my Amazon Pay account. Talk about someone being all up in your business, and doing so in a VERY threatening manner.

  • Niraj Shah

    Never Use Amazon Pay method. Worst Payment method ever.

    I was charged twice for my order by saying that your 1st order is failed, when I revised my order again I was charged for my order & I didn’t receive refund of my previous failed order.

    But the Height is here:- The 1st order which I placed seems to be failed but as I revised my second order in a couple of minutes I can see that the 1st order which seems to be failed is now Successful.

    So where my usage is once, I was levied twice.

  • Junket

    Horrible! Does not respond to inquiries other than with stock emails. Constant need to go through the mysterious verification process again and again and again. Insulated from other Amazon departments. Cannot call directly, the phone number they list does not go to them. No online chat with this department. Email “support” is atrocious… nothing but the same stock answers without a real reply.

    Makes the rest of Amazon look very bad… and I can’t believe I am saying this… makes Paypal look good.

  • Saxton

    I used this service once. Amazon had a dispute with the credit card company and without letting me know that there was a problem, suspended my account. I tried to contact Amazon Payments, but since I could not login, I could not get a contact number, review the disputed charge or give them a different form of payment. I used to have a pretty high opinion of Amazon, but after this treatment, I will be looking for somewhere else to spend my money. PayPal has never treated me like this.

  • Helen

    Just to let you know it is as bad in the UK. Wrong interpretations of EU law so that small businesses can’t sign up to Amazon Payments at all, incompetent staff, ignored emails, promised calls that never arrive. We use card machines that we had to get verified for, PayPal that we had to get verified for… and we have just totally given up on getting anywhere with Amazon. A rated indeed!!!

  • Tedd

    After a successful Kickstarter campaign, we decided to try Amazon payment. After two months, they decided to refund all of our customers suddenly. We spent a lot of time explaining to our customer and asked them to pay again via Paypal. Some of our customers are international so there is a lose for transactions fee and currency exchange. We request Amazon to be responsible and never received further response. The customer service was indeed trying to help but they have no controls at all. In the end, we absorb the fee lost and spent a lot more time to deal with this situation. We might also lose some confidence from our customers. Never trust those financial service company.

  • dave

    In August 2014 I helped fund a Kickstarter Campaign which after completing required payment via Amazon Payments. Despite having a payment account with them for years and money in the bank my payment failed to go though, my account was put on hold and I was told to prove my identity by the very people who’d declined the payment – Amazon!

    The following weeks spent trying to prove my ID (via a fax FFS!) proved that Amazon are inept, discourteous and one of those monolithic corporate entities that should be brought to it’s knees ASAP.

    Their ineptitude cause embarrasement when my payment had failed to go through initially and caused me to contact the Kickstarter campaign people directly to arrange payment via Paypal. However, at no time during the hoop-jumping did Amazon even attempt to speed the ‘ID proof’ process up at all; instead choosing to slow things down to the point where I threatened to cancel my account entirely. I would have done exactly that but the arbitrary suspension refused me access to that part of the account.

    Finally, after weeks and weeks of deafening silence, my account was quietly reactivated – with no apology, no advisement, no nothing!

    I don’t write bad reviews of company’s because the truth is I’m too busy for that. However, in this case I’ll happily make an exception. Amazon payments is little more than an anagram for ‘incompetence’ and i strongly urge any company who are considering doing business with them to look elsewhere.

  • Simone

    Amazon Payments is HORRIBLE! In addition to lying to me to get me to sign my business up, the lost my money and were extremely rude. I was put on hold for over a hour several times, and hung up on mo less than 6 times. It took well over 4 hours of persistence on my part before they began to rectify my issue (which was their fault in the first place). I strongly suggest not working with amazon payments!

  • El

    Amazon Payments is ridiculous. I’ve been trying all week to verify my bank account. Their fax number isn’t working, they’re sending me generic responses to my emails that in no way help me (me: I tried faxing the number given and it says the number is down, Amazon Payments: to verify your account fax ID to this number, me: I just told you I tried and that number isn’t working, Amazon Payments: to verify your account fax ID…). In short, the customer service is nonexistent. If this service has an A rating I don’t know how. Obviously my situation isn’t an anomaly because I’m seeing complaints everywhere, in other words, this author did not do much research.

  • Mike D

    This is obviously an advertisement for Amazon Payments, and frankly its very untrue. First problem you have with amazon payments is your customers will see that Amazon logo and think “hmmm, why don’t I just buy this right on Amazon”. Second, they will mess with merchants putting reserves on your account, or better yet in our case, they will let you transact, then hold you money in reserve and then send you an email saying “we cannot verify your information” – if you cannot verify information, why did you allow the account to collect funds from customers in the first place? I am sure Amazon does not need my pennies, so my conclusion is – this service and people involved are absolutely clueless – which is even worse then if it was some type of scam. Don’t even get me started on poorly written API documentation and horrible technical support who know nothing.

    Stick with PayPal, trust me, its going to be around while Amazon Payments after trying their 4th version of the service will inevitably fail.

    • Phillip CPO

      Thanks for your review, Mike. I can assure you that our review is not an advertisement of any kind for Amazon Payments. Can you give me specific examples from my review which you believe to be “untrue”? The points that you made in your comment are not mentioned in my review.

      • Madan

        I can give you one. I would like to know how you concluded that they have a A rated service. Looks like many have had issues with it. Here is mine:

        So for some reason the Send Money option has been suspended. I sent an email to customer support and forgot about it. I don’t use it often. About a month later I had to use it again. There was no response to email yet, so I called them. The customer specialist said she saw my email, followed by the usual flurry of apologies and she said she would ‘escalate’ it. I should wait for 24 hours and at the maximum 48. I waited for a week. No response.

        So I called them again, this time the specialist said she did not see that I had previously contacted them. But, again apologies, ‘escalate’ it to account specialist. I asked her send me a copy of that email so I would have some record. She said she would do it. Lo and behold, no email from her too.

        Would you call this A-rated service? I wouldn’t.

  • Temeka

    Amazon payments is the worst. This past Friday (Sept 13,2013) someone transferred $249.00 to Martin McGrath via Amazon payments. I honestly never heard of Amazon payments and never in my life met a Martin McGrath. I contacted Amazon payments and was basically told there was nothing they can do. I am still fighting with the bank to get my money back. The “customer service” rep told me I must have given someone my password and my account information…he did not believe that I did no such thing. My bank was able to see that the transaction took place over the phone through A REP at Amazon. I am shocked by this rating. PLEASE BE AWARE.

  • Mandi

    Thank you for publishing the customer service number for Amazon Payments – I certainly wasn’t able to find it and the link provided is broken. Upon receiving notice from them that I have funds available that are about to be turned over to the state, I am unable to log into my account and the email response I got from the customer service tool was completely unhelpful. Hoping the phone call gets me somewhere. Frustrating.

  • Totally Dissatisfied

    I have been working with a nonprofit that was directed to use amazon payments to get they Kickstarter project funds. There is a big gliche in the registration process for amazon payments. It has been 3 weeks and counting and AMAZON has still been able to set up the account. Every week I am told to setup a new account with another email. There is no way to contact them.
    Amazon never really responds to emails. The amazon ‘contact us’ email gets standard auto responses, that are unrelated to the query. They have still not been able to setup the account after multiple re-applications. Some of the reps on the contact us line have said it is a gliche in their system, but they can only send and email to the real customer service and they have given me the customer service email. That is no help because they do not respond.
    Is there somethoing I can do to resolve this? I just need the payments account setup, because the non-profit project to provide irrigation for food crops in an impoverished drought prone area is being held up. I guess Amazon likes to starve poor people.
    I have submitted multiple faxes and they still say they did not get it .
    04/29/13 09:08 AM SEATTLE/(206) 765-3424
    5:00
    04/28/13 07:52 PM SEATTLE/(206) 765-3424
    5:00
    04/26/13 11:11 PM SEATTLE/(206) 765-3424
    2:00
    04/25/13 10:04 AM WCHICAGO/(630) 621-9337
    3:00
    04/23/13 12:43 PM SEATTLE/(206) 765-3424
    5:00
    What else can we do? Any suggestions will be much appreciated.

  • Tim

    I have worked with Amazon Simple Pay in the past and have had to inquire several times about their sketchy business practices. In fact if you have a little time on your hands, just do a simple Google search for “Amazon Simple Pay complaints”. I am sure that it will take more than just a little time to peruse the results, much less open and read each one. There is no doubt that complaints about such a large company will fall on deaf ears. After all, who wants to take on Amazon? Who do you go to, and I am just guessing that they will have a swift answer for you when you do inquire and then the case will be closed, so why waste your time right? As part of Amazons customer verification practices, when a seller opens a business account, they must submit a bank account for fund transfers. When a customer enters their bank account information, Amazon makes two small deposits into the account. The two deposit amounts must then be entered into Amazons system so that they can “verify” the bank account before funds can be transferred. In the meantime a seller is allowed to collect funds from their customers for products, services, etc. After a few weeks and after you have accumulated a rather large sum of your customers funds, you will find that you are still awaiting the two small “deposits” into your bank account from Amazon. You will make several attempts to contact Amazon about the deposits and you will receive a response, usually within 2-3 days. The response will undoubtedly be “We were unable to verify the two deposits into you bank account”. This is a scripted answer, as I have found from perusing others complaints from around the world. The sad fact is that Amazon never makes the two small “deposits” into your bank account. This will leave you in quite a predicament for quite a while. You will most likely continue using the credit card processing service as you do not want to disappoint your customers. However those two small “deposits” will never come and you will be unable to withdraw any of your funds. I personally submitted 3 bank accounts, even opening one of them solely for the purpose of collecting my funds from Amazon. The first two bank accounts were completely valid, I have had them for several years without a single problem. However for reasons only known to Amazon, the two small “deposits” that they submitted never found their way into any of my bank accounts. I was forced to cease using their service because I was unable to collect my customers funds from Amazon. I am sure that this is a routine complaint for you guys and if a human ever reads this, it will simply be dismissed as an “isolated case”. I can assure you however that I am not the only one that has experienced this issue. As I stated earlier, please take a few minutes to search the internet for complaints about Amazon Simple Pay. I am sure you will be surprised. Please take the time to investigate this issue in detail. If you do decide to contact Amazon, please do not accept the first response that you receive. Please take the time and initiative to actually investigate Amazon Simple Pay.

  • Amazon - the worse company I have ever come across

    I cannot believe your post about Amazon payment is authentic, with all the high marks you have given it.
    Amazon must be the WORSE and most unreliable company I have dealt with to date.

    I tried to sign-up for Amazon payments TWICE and I am getting nowhere with it.

    1. Amazon never responds to my emails. And I mean NEVER. How can a big company like Amazon act like some shady business in the back alley of Mumbai? Just unfathomable.
    2. Their contact form fails numerous time and are not even functioning.
    3. The link they provide in their automated emails how to contact them doesn’t work either.
    4. To verify an account they ask for a fax copy of your ID and a bank statement. I got no response from the fax I issued (and I had to pay $5 for the fax since I don’t own a fax) and the account continued to be unverified.
    5. Meanwhile, my own bank verified the account to access direct debit functionality – so obviously my bank details etc must be accurate or this could never be granted by the bank itself. Still, no verification from Amazon.
    6. I got another automated email that tells me Amazon could not verify the account, again asking for a fax. I resend the information once more at another $5 cost. And what happens? NOTHING.
    7. Three weeks later, going through the same process again and again over a one month period just trying to sign up and get verified I issue a complaint. What happens? Nothing.
    8. After eight (yes, 8) complaints I suddenly get a call from Amazon – and it is from INDIA!
    Amazon has gone and allowed some Indian outsourcing company to get access to my phone number and details to contact me!!!! This must be one of the worse security breeches I have come across.
    Fact is that banks again and again experience security breeches by these outsourcing companies in India, where private information are being sold in India to all sorts of fraud, spam and sales activities.
    Besides, what exactly did this Indian “support” services do to resolve the issue? Nothing. Asking me to submit a third fax for another $5.

    Amazon is shady, dishonest, unprofessional, incompetent and really the worse company you can ever deal with. It’s almost difficult to grasp that this is suppose to be an American company. The entire running of it feels more like a Bangladesh origin company.
    Later I read several reviews of people who have had their direct debit features misused by Amazon, where Amazon had drawn unapproved amounts from their account never to be reimbursed to them. I would NEVER trust this company EVER.

    • Mona

      Can’t agree more than what you said here. I personally had the same worst experiences with Amazon Payments. I was just tried to register to open an account with them, filled in all my person information, included my SSN!! Then after a login to the home page of it, a clicking around and I got suspended as my given information not match their database. So I emailed and got a very cold message back from what so call account specialist saying I violated their policy, fault information were given and any related to the account verification question wouldn’t be answer. I have never had any worst customer service and response like this ever! I have opened my bank account with the same information , SSN as given to Amazon Payments. And I had no problems at all. So i called the hotline. The lady said she couldn’t help, all decisions are base on their account specialists. And they wouldn’t tell you which part of my information not clear or not ‘ match’ and refused to tell or accept any more supportive docs. I have no idea why did they even bother to set up such payment thing as they don’t really care or want to have more customers to use it.

      I was so pissed off and headed to open my Paypal account. Paypal could’t verify my information at first but they knew their database wasn’t superb or updated. They have all formats set up and messages to tell me what supportive docs I couldn’t upload to help them to verify my account. I was amazed with their service, all these were just their ready to use. And I am very appreciated with their efficiency work and customer service and always been very polite and helpful.

      Compare to both online payments, Amazon Payments is really so shady and dishonest. I felt like they cheated my personal information and SSN and ran. From what you mentioned here about the outsourcing customer service in India, I am really worried that my identity was gonna be stolen or misused now. Amazon Payments is a company can’t be trusted.

  • Dissatisfied EndUser

    I have been working with a nonprofit that was directed to use amazon payments to receive its donations online. There was a gliche in the registration process for amazon payments. It has been approximately one month, and AMAZON has still been able to resolve it after multiple re-applications. They have let us know it is a gliche in their system. It has nothing to do with the intermediary vendor. They still haven’t been able to clear it up and process our tens of thousands of dollars of our donations. NOT COOL.

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