Amazon Pay fees & pricing
Amazon Payments, Inc. · Flat rate · best for e-commerce wanting Amazon-account express checkout
Amazon Pay uses flat rate pricing. Its headline rate is 2.90% + $0.30, which works out to about 3.50% effective on a $50.00 sale. International / cross-border: +0.6% cross-border + currency conversion fee. Chargeback fee: $20.00 disputed-transaction fee. Monthly fee: $0 — pay per transaction. Amazon Pay lets shoppers check out with their Amazon account. US web/mobile transactions are 2.9% + $0.30, with a higher cross-border component for non-US cards. The draw is conversion lift from saved Amazon payment/address details rather than a cheaper rate.
Source: Amazon Payments, Inc. pricing. Data as of June 2026.
Note: These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
Amazon Pay fee structure
| Pricing model | Flat rate |
|---|---|
| Headline rate | 2.90% + $0.30 |
| Monthly fee | $0 — pay per transaction |
| International / cross-border | +0.6% cross-border + currency conversion fee |
| Chargeback fee | $20.00 disputed-transaction fee |
| Payout speed | Daily/automatic to bank |
| Best for | e-commerce wanting Amazon-account express checkout |
Source: Amazon Payments, Inc. pricing. Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
What you pay per transaction
| Transaction size | Rate applied | Fee charged | Effective rate |
|---|---|---|---|
| $10.00 | 2.90% + $0.30 | $0.59 | 5.90% |
| $50.00 | 2.90% + $0.30 | $1.75 | 3.50% |
| $200.00 | 2.90% + $0.30 | $6.10 | 3.05% |
Source: Amazon Payments, Inc. pricing page. Data as of June 2026.
Cost pros & cons
Where Amazon Pay saves money
- Amazon-account express checkout lifts conversion
- Trusted consumer brand
- No monthly fee
Watch-outs
- Same 2.9% + $0.30 as flat competitors
- Cross-border surcharge
- Tied to Amazon ecosystem
Frequently asked questions
What are Amazon Pay's payment-processing fees?
Amazon Pay charges 2.90% + $0.30 on card payments. For a $50.00 transaction that works out to roughly 3.50% effective. There is no monthly fee on the standard plan. Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
Does Amazon Pay charge a monthly or setup fee?
$0 — pay per transaction.
How much does Amazon Pay charge for international cards and chargebacks?
International / cross-border: +0.6% cross-border + currency conversion fee. Chargeback / dispute fee: $20.00 disputed-transaction fee. International cards and disputes can dominate the effective rate for global merchants.
Is Amazon Pay good for my business?
Amazon Pay is best for e-commerce wanting Amazon-account express checkout. Amazon-account express checkout lifts conversion. Watch out: same 2.9% + $0.30 as flat competitors. Model your real volume and ticket size in our calculator before deciding. These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
Compare Amazon Pay with alternatives
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Source & accuracy
Figures are a dated snapshot from Amazon Payments, Inc.'s pricing page (as of June 2026). Payment fees change without notice and vary by region, risk and contract — verify on the vendor's page before signing. These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign. See our methodology and disclaimer.
Last updated: 2026-06-29