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Wallet Database

Amazon Payments

1st of September 2016


  • Summary: Amazon Payments is a cards-based digital wallet for online purchases operating in multiple markets and launched in Aug 2007 in US. Amazon Payments provides its users with the ability to use the payment methods already associated with their account to make payments for goods or services on third party websites or app

  • Website

  • Status: Live

  • Market: USA (Aug ’07), Spain (2016) Germany (Jun ’14), UK (Jun ’14), India, Japan, France (2016), Italy (2016)

  • Type: Other

  • OwnershipAmazon Payments, Inc., is a wholly owned subsidiary of

  • Functions: Retail payments only

  • Payment Mode: Cards based

  • Channel: Web

  • Roadmap: n/a

User Experience

  • Registration & set up: If users already have an account with, they will only have to accept Amazon’s Terms of use when making a purchase on a non-Amazon site that accepts Amazon Payments. There is no other registration process

  • Making a payment: When Amazon Payments is an accepted payment method for a product or service, simply click on the Amazon Payments logo or button, enter Amazon email address and password, and then select payment method

Payment Flows & Technology

  • Merchant perspective: Amazon Payments is a party to the transaction. Funds are transferred to merchants’ Amazon Payments account after they capture payment and will be automatically disbursed to their bank account on the next scheduled settlement date. Generally, Amazon Payments first settles their account 14 days after the first business days on which the corresponding transactions were completed. It usually takes 1-2 business days from the time Amazon initiates the transfer before the funds are credited to merchant’s bank account

  • Security: Transport Security Layer (TLS)/Secure Socket Layer (SSL) with 128 bit encryption. Account is also protected by a unique password created by the user

Business Model

  • Strategy: Amazon Payments offers a service to merchants in order to facilitate and boost their online sales. In exchange, Amazon charges a fee per transaction to the merchants

  • Payee fee: The fee charged to merchants depends on the country, for example in UK is: 3.4% of the transaction amount plus a fixed fee of £0.20. No monthly fees. No set-up fees. Free fraud protection

  • Payer fee: No charge for consumer 

Performance Data

  • Launch date: USA (Aug ’07)

  • Closed Date: N/A

  • Users: No data yet

  • Retailers / merchants: “Thousands”, 92 “featured merchants” (source:

  • Transaction volume: No data yet

  • Transaction value: No data yet

  • Other data points: No data yet 

Contact (MobeyForum Members only)

  • Name: N/A

  • Address: N/A

  • Email: N/A

  • Phone: N/A