Amazon Payments updates: Fees, review, API

A picture of a scientist scribbling on a notebook and the test "the Amazon Payments hub"What’s in our Amazon Payments hub?

What is Amazon Payments?

Launched in 2007, Amazon Payments – a wholly owned subsidiary of – refers to the infrastructure behind the “Pay with Amazon” button seen on web stores and in mobile apps. This gives customers the option to use the payments methods, billing and shipping details already stored by Amazon to pay for things elsewhere.

Amazon encourages you to “think of it like making Amazon customers your customers.”

Pay with Amazon is available in 170 countries including those in Europe, although account balance transfers are enabled only for US-based customers.

Amazon Payments explains itself in two minutes:

Amazon Payments fees

There are no setup, monthly or cancellation fees with Amazon Payments.

The UK fee schedule for Amazon Payments is based on a percentage of transactions.

A chart showing the Amazon payments fees

By way of example, a £10 purchase made on your website incurs a 34p processing fee on top of an authorisation fee of 20p.

Amazon payments fees example

There are also cross-border fees of varying rates, depending on the country of origin of the payment method.
Amazon payments fees from cross-border payments

Amazon Payments review: What the analysts say

Datanyze’s analysis of the digital payments market, counting uses of service across the top 1m Alexa-ranked websites, shows Amazon Payments (and indeed most others) languishing well behind PayPal:
A chart showing Datanyze's analysis of the Payments market, with PayPal way out in front

Merchant Maverick sees Amazon Payments get a 4.5/5 rating, although some of the commenters have anecdotally had 1/5 experiences, it would seem.

“If I was a merchant looking for a third-party payment option as a backup in case my traditional merchant account hit any snags, I’d surely consider Amazon Payments. It has name recognition (although not quite as much as PayPal), an intuitive interface, and plenty of users who already have Amazon accounts. In fact, I’d most likely decide to try the service for several months, check sales reports for an uptick in transactions, and go from there.” – Tom DeSimone, reviewer for Merchant Maverick

Card Payment Options has a comprehensive, no-nonsense overview, giving Amazon Payments an A rating:

“Of the few merchant complaints, the majority are attributed to the holding of a merchant’s funds by Amazon or poor customer service from Amazon… Overall, it seems that the vast majority of Amazon Payments merchants do not encounter major issues with fund holds or technical issues.”

Amazon Payments updates: What’s the latest news?


JANUARY 2016 – Usage uptick
Amazon Payments’ transaction volume surged in 2015, a sign that it is finally gaining traction launching eight years ago – Reuters.


NOVEMBER 2015 – Product discontinuation
In an effort to focus solely on Amazon Payments, Amazon has dropped real world Local Register mobile card reader service [closed 1st Feb 2016] – Payments Source.

A photo of Amazon's credit card reader

OCTOBER 2015 – Launch on mobile
Amazon launches ‘Pay With Amazon’ buttons for mobile apps – CNBC.

Thomas Quillfeldt

Thomas Quillfeldt

Editor, eCommerce Insights

February 12, 2016

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