Digital wallet
Amazon Pay
Cheapest published
2.9% + 30c (US domestic)
Rate position
Amazon Pay sits in the upper third
Across 14 published-rate vendors in this comparison.
Amazon Pay headline answer
Amazon Pay's cheapest published rate is 2.9% + 30c (US domestic). Pricing model: flat-rate. Monthly fee: $0. Dispute fee: $20 per chargeback. Cross-border: +1% on cross-border. FX: Per scheme.
Tier table (vendor-published)
| Tier | Rate | Notes |
|---|---|---|
| US domestic web/mobile | 2.9% + 30c | - |
| Cross-border | +1% | - |
Source: https://pay.amazon.com/us/help/201212280 (verified 2026-06-19).
What Amazon Pay is best for
- Ecommerce merchants leveraging the Amazon trust signal at checkout.
- Merchants who want one-click Amazon-credentialed checkout on their own site.
Hidden costs and gotchas
Wallet-style checkout that runs on Amazon's processor stack. Includes its own authorisation fees on some transactions.
- $20 per chargeback (above PayPal's $15-ish band).
- +1% cross-border surcharge.
FAQ
Is Amazon Pay cheaper than Stripe?
Same headline rate (2.9% + 30c US). Amazon Pay's appeal is conversion lift, not unit cost.
Can I use Amazon Pay without an Amazon Seller account?
Yes. Amazon Pay is a standalone merchant product separate from selling on Amazon.com.
Closest alternatives
See the full vendor index, run the cross-vendor cost calculator, or read how we verify every rate.
verified Last verified June 2026