Amazon Pay
Amazon Pay's cheapest published rate is 2.9% domestic processing fee + $0.30 authorization fee (US). Pricing model: flat-rate. Monthly fee: $0. Dispute fee: $20.00 plus tax where applicable, for disputes not covered by the Payment Protection Policy; non-refundable. Cross-border: 3.9% cross-border processing fee, which replaces the 2.9% domestic fee when the payment method was issued outside the US. FX: Per scheme.
Tier table (vendor-published)
| Tier | Rate | Notes |
|---|---|---|
| US domestic web/mobile | 2.9% + 30c | - |
| Cross-border (issuer outside the US) | 3.9% + 30c | - |
Source: https://pay.amazon.com/us/help/201212280 (verified 2026-09-23).
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
Amazon splits the bill into a percentage processing fee and a separate $0.30 authorization fee, and the two behave differently on a refund: Amazon refunds the processing fee (the 2.9% domestic or the 3.9% cross-border) but the authorization fee and the disputed chargeback fee are non-refundable. On a $10 domestic order that is 2.9% ($0.29) plus $0.30, an effective 5.9 percent. Wallet-style checkout running on Amazon's processor stack.
- $20.00 plus tax per disputed chargeback, above PayPal's $15 band, and non-refundable.
- Cross-border orders are billed at a 3.9% processing fee rather than the 2.9% domestic fee, a one-point uplift on every transaction where the card was issued outside the US.
- The $0.30 authorization fee is non-refundable. Refund a $10 order and Amazon returns the 29c processing fee but keeps the 30c, so a refunded order still costs more than a free one.
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.
See the full vendor index, run the cross-vendor cost calculator, or read how we verify every rate.