Can you split payments on Amazon? (all you need to know)
Many retail stores will allow customers to split payments between credit cards, debit cards, cash and gift cards. Many online stores also allow customers to pay in installments.
However, some customers may be curious about whether Amazon allows customers to pay in installments. If you too are wondering about this fact, read on to see what I found!
Can you split payments on Amazon?
Unfortunately, Amazon does not allow customers to split payments between two debit/credit cards. However, Amazon does allow customers to use gift cards to pay in installments. Split payments must be made with a gift card and debit/credit card, otherwise Amazon will not accept split payments.
If you want to learn more about how to split payments on Amazon, how to add a payment method to your Amazon account to split payments, and more, keep reading for more facts and tips!
How to Split Payments on Amazon Using Gift Cards?
In order to split payments with a gift card on Amazon, a customer must do the following:
step 1: Buy enough gift cards to cover the cost of the products you plan to buy. These can be purchased at many retail stores that have Amazon.com gift cards at card kiosks.
You can also buy Amazon gift cards directly from Amazon.com. To do this, select the gift card link at the top of Amazon’s website and follow the on-screen instructions.
Step 2: Add items to your cart for a total amount equal to the value of one of the gift cards used.
It is recommended to purchase multiple gift cards based on the amount required for the transaction.
Step 3: Apply the gift card code to your account after adding the item to your cart.
To apply the code, select the “Gift Cards” option at the top of the Amazon homepage, then select “Apply to Your Account.”
Step 4: After claiming the code, proceed to checkout. On the “Payment Methods” screen, follow the instructions to add a gift card code to your purchase.
After adding a gift card, you can add a debit or credit card as a second payment method.
Step 5: Before checking out, please review your order to make sure you followed all the correct steps.
Once it looks like both payment methods have been applied, select the checkout option to complete your purchase.
How do I add an Amazon gift card to my Amazon account?
In order to add a gift card to an Amazon account, a customer must do the following:
- Buy gift cards from a retail kiosk or directly from Amazon.com.
- Select the “Gift Cards” option at the top of the Amazon.com screen, then select “Apply to Your Account.”
- Enter the claim code found on your Amazon gift card and proceed to checkout.
Customers who plan to spend a large amount of money when splitting their purchases are encouraged to purchase multiple gift cards to more evenly split the purchase between debit/credit cards and gift cards.
Can I use a Visa/Mastercard gift card to split payments on Amazon?
While Amazon allows customers to pay in installments using gift cards, customers cannot pay in installments using prepaid Visa or Mastercard cards.
While prepaid credit cards are technically gift cards, they work like regular credit cards at debit machines.
Therefore, prepaid credit cards do not come with a code that customers can enter into their Amazon account.
However, if a customer has a prepaid credit card that they want to use up, they can purchase an online gift card from Amazon.com and use this method to split the payment.
What payment methods does Amazon allow?
While Amazon only allows customers to pay in installments with gift cards, they still offer a variety of other payment methods.
If a customer is wary of spending money on a debit/credit card at once, advise them to make multiple purchases and place separate orders using any of the following:
- Visa debit/credit cards (including prepaid Visa)
- MasterCard (including prepaid MasterCard)
- American Express
- Amazon Pay
Why does Amazon not allow installment payments with credit/debit cards?
Due to limitations set by the credit card service provider Amazon uses, Amazon may not be able to authorize split payments with credit/debit cards.
Most online stores have these restrictions due to the increased risk of fraud, as it makes it harder to verify a customer’s identity if they use multiple payment methods.
Which stores and websites allow customers to split payments?
While Amazon limits how customers can split payments, there are currently some other retail stores and websites that allow customers to split payments through other means.
Stores currently offering installment payment options are as follows:
- Crate & Barrel (in-store and online)
- Land of Nods (in-store and online)
- Walmart (in-store)
- Starbucks (in-store)
Customers should be aware that very few online merchants allow customers to use credit/debit cards for installment payments, as these types of transactions make it more difficult to verify the customer’s legitimacy.
Likewise, many merchants are unable to allow online installment payments due to restrictions on credit card service providers.
However, it’s not impossible to find online stores that allow split payments, and it’s most common in the US.
Nonetheless, customers should be prepared to pay in full via one payment method.
If you want to learn more, you can also check out our related posts on whether Amazon has a phone number to call, which credit bureau Amazon uses, and whether Honey works on Amazon.
in conclusion
Amazon allows customers to split payments between credit/debit cards and Amazon.com gift cards.
However, customers may not split purchases on Amazon or most other sites using two separate credit/debit or prepaid credit cards.
In order to split a purchase using a gift card, customers must enter their gift card code into their account and then apply the gift card to their order at checkout along with the debit card.
