Amazon bills can be paid directly through your Amazon account, through your credit card or bank's bill pay system, or by setting up automatic payments
The fastest way is to log into your Amazon account, go to Your Account, select Login & Security or Payment Options, and pay any outstanding balance right there. Amazon also accepts payment through most major credit cards, debit cards, and bank transfers. If you have an Amazon Store Card or Amazon Visa, you can pay that bill through your card issuer's website instead of Amazon's site. Many people set up automatic payments so they never have to remember a due date.
The method you choose depends on what kind of bill you have. If you owe money for purchases, you pay Amazon directly. If you have a credit card issued by Amazon, you pay the card issuer. If you use Amazon Business or have a business account with net payment terms, those bills work differently and may come through a separate invoicing system.
Key Takeaways
- You can pay an Amazon account balance by logging in, going to Your Account, and selecting Payment Options or a similar section to pay what you owe.
- Amazon Store Card and Amazon Visa bills are paid through the card issuer's website or phone line, not through Amazon itself.
- Setting up automatic payments through your Amazon account prevents missed payments and late fees.
- If you use Amazon Business or have an invoice-based account, check your email for a separate payment link or invoice number.
- You can also pay through your bank's bill pay system by mailing a check or setting up an electronic transfer, though this takes longer than paying online.
Paying an Amazon account balance through your Amazon account
Log into your Amazon account at amazon.com. Click on the account icon in the top right corner and select Your Account. Look for a section called Payment Options, Billing, or Account Settings — the exact name varies depending on whether you are on a computer or phone and which country you are in.
If you have an outstanding balance, you will see it listed with a Pay Now button or a similar option. Click it, select your payment method (credit card, debit card, or bank account), and enter the amount. Amazon will show you a confirmation screen before the payment goes through. Keep that confirmation number in case you need to reference the payment later.
If you do not see a balance owed, you may not have an unpaid bill. Amazon charges for purchases when you place an order, not when the item ships, so most customers do not have a separate "bill" to pay — the charge appears on their credit card or bank account automatically.
Paying an Amazon Store Card or Amazon Visa bill
The Amazon Store Card and Amazon Visa are issued by Synchrony Bank, not by Amazon. This means you pay the card issuer, not Amazon. Go to Synchrony's website at mysynchrony.com, or call the number on the back of your card. Log in with your username and password, or create an account if this is your first time paying online.
Once you are logged in, you will see your current balance, minimum payment due, and due date. You can pay the full balance, the minimum, or any amount in between. Synchrony accepts payment from a bank account (which usually posts the same day) or from another credit card (which may have a fee). You can also mail a check to the address shown on your statement.
If you have the Amazon Prime Visa (the card that gives rewards on all purchases, not just Amazon), it is also issued by Synchrony and paid the same way. Do not try to pay it through Amazon.com — that will not work.
Setting up automatic payments so you do not miss a due date
Automatic payments remove the risk of forgetting to pay and triggering a late fee. For an Amazon account balance, log into Your Account, go to Payment Options, and look for a section called Automatic Payments or Recurring Payments. You can usually set it to pay the full balance, the minimum, or a fixed amount each month on a date you choose.
For an Amazon Store Card or Visa, log into mysynchrony.com, find AutoPay or Automatic Payments in the settings menu, and choose the same options. You can change or cancel automatic payments at any time, and Synchrony will send you a confirmation email when the payment is made.
Automatic payments are especially useful if you carry a balance month to month, because they ensure you always pay by the due date and avoid interest charges for late payments. However, make sure you have enough money in your bank account or available credit on the card you are paying from — if the payment fails, you may be charged a fee.
Paying through your bank's bill pay system
Most banks and credit unions offer a bill pay feature that lets you schedule payments to any business or person. Log into your bank's website or app, find Bill Pay or Send Money, and add Amazon as a payee. You will need to provide an address to mail the check to — Amazon's mailing address is usually listed on your invoice or statement.
Bank bill pay is slower than paying online directly because the bank mails a physical check, which can take 5 to 10 business days to arrive and clear. Use this method only if you cannot pay through Amazon's website or your card issuer's website, or if you prefer to keep all your bills in one place through your bank.
Some banks also offer electronic bill pay, which transfers money directly to a business's bank account instead of mailing a check. Ask your bank whether they offer this for Amazon — if they do, it is faster than a mailed check but still slower than paying on Amazon's website.
Paying an Amazon Business or invoice-based account
If you have an Amazon Business account or a business account with net payment terms (meaning you receive an invoice and pay later), your bill works differently. You will receive an email with an invoice number and a payment link, or instructions to pay through your company's procurement system.
Click the payment link in the email, or log into your Amazon Business account and look for Invoices or Billing. You can pay by credit card, debit card, or bank transfer. If you have net 30 or net 60 terms, you will have a due date listed on the invoice — make sure to pay by that date to avoid late fees or suspension of your account.
If you do not receive an invoice email, check your spam folder or log into your Amazon Business account directly and look for a Billing or Invoices section. If you still cannot find it, contact Amazon Business customer service through the Help section of your account.
What happens if you miss a payment or pay late
If you miss a payment on an Amazon Store Card or Visa, Synchrony will charge a late fee (usually $25 to $40, depending on your card terms) and report the late payment to credit bureaus after 30 days. This will lower your credit score and stay on your credit report for up to seven years. Interest will also start accruing on your balance if it is not paid in full each month.
If you miss a payment on an Amazon account balance, Amazon may suspend your account or prevent you from making new purchases until you pay what you owe. They may also refer the debt to a collection agency if the balance remains unpaid for several months.
If you are having trouble paying, contact your card issuer or Amazon customer service as soon as possible. Many issuers offer hardship programs or the ability to set up a payment plan, and Amazon may be willing to work with you if you reach out before the account goes to collections.
Frequently Asked Questions
Can I pay my Amazon bill with a different payment method than the one I used to make purchases?
Yes. When you pay your bill, you can choose any credit card, debit card, or bank account you have on file with Amazon or your card issuer. You do not have to use the same card you used to buy the items.
How long does it take for an online payment to show up on my account?
Payments made through Amazon.com or Synchrony's website usually post within one business day. Bank transfers may take one to three business days. Mailed checks take five to ten business days. Always pay before your due date to avoid late fees, even if the payment has not posted yet.
What if I pay more than I owe?
If you overpay your Amazon account, the extra amount will stay as a credit on your account and be applied to your next purchase or bill. If you overpay your Amazon Store Card or Visa, Synchrony will either hold the credit or refund it to you — check your card's terms or call Synchrony to ask which they do.
Do I have to pay my full Amazon balance every month?
No. If you are using a credit card or the Amazon Store Card, you can pay the minimum amount due and carry the rest to the next month. However, you will be charged interest on the balance you carry. If you have a regular Amazon account balance (not a credit card), you can usually pay whenever you want as long as you do not let it go to collections.
Can I set up automatic payments if I do not have a bank account?
You can pay with a credit card or debit card instead of a bank account, but automatic payments work best with a bank account because the payment usually posts the same day. If you only have a debit card, you can still set up automatic payments, but check with your card issuer to make sure they allow recurring charges.