Amazon Pay
1. Introduction
Amazon Pay is one of India’s fastest-growing digital payment platforms. Integrated with Amazon’s massive e-commerce platform, it offers seamless payments for shopping, recharges, bills, and more. This article gives you a full 360-degree view of Amazon Pay in 2025.
2. What is Amazon Pay?
Amazon Pay is a digital wallet and payment service launched by Amazon that allows users to make online payments conveniently. It can be used for:
- Shopping on Amazon.in
- Recharges & Bill payments
- UPI money transfers
- Paying on partner websites
- Getting cashback offers
3. History and Background
- Launch in India: Amazon Pay was launched in India in 2016.
- Parent Company: Operated under Amazon Seller Services Pvt. Ltd.
- Growth: Gained popularity during demonetization and COVID-19 when digital payments surged.
4. Features of Amazon Pay
- UPI integration
- Bill payments and mobile recharges
- Amazon Pay Balance (wallet)
- Amazon Pay Later
- Credit Card support (ICICI)
- EMI & Loans
- Gift cards
- QR Code scan & pay
- Insurance and ticket bookings
5. How to Set Up Amazon Pay
- Download Amazon App
- Sign in to your Amazon account
- Tap ‘Amazon Pay’ on the homepage
- Complete KYC for full features
- Add a bank account to enable UPI
- Start using features like Pay, Recharge, EMI, etc.
6. Amazon Pay Balance
Amazon Pay Balance is a semi-closed wallet for:
- Refunds from Amazon orders
- Cashback and promotional credits
- Gift card balance
- Can be used for purchases on Amazon and select partner sites
- Requires KYC for higher limits
7. Amazon Pay UPI
UPI (Unified Payments Interface) integration allows:
- Sending/receiving money
- Paying at shops with QR code
- No wallet needed, money directly from your bank account
- UPI ID format:
yourname@apl
8. Amazon Pay ICICI Credit Card
Co-branded card offering:
- Lifetime free credit card
- 5% cashback for Prime users
- 3% cashback on Amazon for non-Prime users
- 1% on other online spends
- Directly linked to Amazon Pay account
- Monthly spend summary on Amazon app
9. Cashback & Rewards
- Daily rewards on recharges, bill payments
- Scratch cards for UPI transfers
- Special offers on Prime Days, Freedom Sale
- Instant cashback added to Amazon Pay Balance
10. Bill Payments with Amazon Pay
Pay for:
- Electricity
- Water
- DTH
- Gas
- Broadband
- Postpaid mobile
- Insurance premiums
Offers: Most bill payments have cashback incentives.
11. Recharge Options
- Mobile Recharge (Prepaid)
- DTH Recharge
- FASTag Recharge
- Metro Smart Card
- Cable TV and more
Easy recharge in just 3 clicks.
12. Online Shopping via Amazon Pay
Use Amazon Pay balance or linked bank account to:
- Buy items on Amazon
- Pay in EMI
- Avail discounts and wallet offers
- Pay via UPI at checkout
13. Amazon Pay on Third-Party Websites
Available as a payment option on:
- Swiggy
- BookMyShow
- RedBus
- Yatra
- HDFC Life
- BigBazaar
More merchants are added regularly.
14. Security and Privacy Features
- 2-factor authentication
- UPI PIN for transfers
- Device binding & biometric authentication
- PCI-DSS compliant
- Data encryption for all transactions
15. Transaction Limits
- Non-KYC wallet: ₹10,000/month
- Full-KYC wallet: ₹1,00,000/month
- UPI transfer: up to ₹1,00,000/day
- Credit card & EMI: limit varies
16. Benefits for Customers
- Seamless Amazon checkout
- Quick refunds
- Cashback rewards
- Safe and secure payments
- One-tap bill and recharge
17. Benefits for Merchants
- No setup cost
- Increase in sales with Amazon customers
- Cashback-based promotions
- Easy refunds and accounting
- Access to growing digital customer base
18. Amazon Pay Later
A powerful feature allowing you to:
- Shop now, pay next month
- Get instant credit line
- Pay EMIs up to 12 months
- No credit card required
- Requires PAN and Aadhaar verification
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19. Travel Bookings with Amazon Pay
Book and pay for:
- Flights (via Yatra, Cleartrip)
- Bus tickets (RedBus)
- Train tickets (IRCTC)
- Hotels via Amazon partners
Often includes travel cashback offers.
20. Amazon Pay Insurance Services
- Term Life Insurance
- Car & Bike Insurance
- Health Insurance
- Flight and Trip Insurance
- Easy claim process via the app
21. Amazon Pay Smart Store
Scan QR codes at physical stores to pay using Amazon Pay.
- Accept UPI, Wallet, or Credit
- Stores: Coffee shops, grocery, medical, fashion
- Cashback eligible
22. KYC Process for Amazon Pay
- Open Amazon Pay > KYC
- Provide PAN and Aadhaar
- Complete via OTP or in-person
- Approval within 24 hours
23. Amazon Pay Gift Cards
- Buy and send gift cards via email
- Redeemable on Amazon purchases
- Custom amounts (₹500–₹10,000)
- Occasion-based designs: birthday, festival, etc.
24. Integration with Other Apps
Amazon Pay is integrated with:
- Uber
- RedBus
- Yatra
- BigBasket
- BookMyShow
- IRCTC
- Swiggy
25. Government Payments and Donations
- Pay traffic fines
- Pay property taxes
- Donate to PM Cares Fund
- Support NGOs directly from Amazon app
26. Transaction History
Track all payments easily:
- Open Amazon Pay
- Tap ‘View Statement’
- Filter by type (UPI, Credit Card, Wallet)
- Download PDF for records
27. Raise a Dispute or Refund
- Tap on the failed transaction
- Select “Need Help”
- File for refund
- Customer support follows up via email/SMS
28. Customer Support
- 24/7 Help via Chat
- Call center support
- Email option
- Help guides inside the app
29. Common Issues and Fixes
- UPI not working: Check bank linkage, update app
- Refund delays: Contact support after 3 days
- KYC pending: Re-submit documents
- Balance not added: Check payment source
30. Latest Features in 2025
- AI Chatbot integration
- Instant UPI Credit
- Mutual Fund investment
- Gold Saving Schemes
- Split payments with friends
31. Amazon Pay vs PhonePe vs GPay
| Feature | Amazon Pay | PhonePe | Google Pay |
|---|---|---|---|
| Wallet | ✅ | ✅ | ❌ |
| UPI | ✅ | ✅ | ✅ |
| Credit Card | ✅ (ICICI) | ❌ | ❌ |
| Pay Later | ✅ | ✅ | ❌ |
| Insurance | ✅ | ✅ | ✅ |
| App Integration | ✅ | ✅ | ✅ |
32. Amazon Pay in Rural India
- Partnering with kirana stores
- Voice-enabled UPI
- Support in 12 Indian languages
- Push for financial literacy
33. Financial Inclusion
- Easy credit via Pay Later
- Insurance for lower-income groups
- Recharge and bills for non-tech-savvy users
- Secure and simplified KYC
34. How Amazon Pay Helps Sellers
- Boost conversion rate
- Seamless refunds
- Reduced cart abandonment
- Loyal customer base due to cashback
35. Amazon Pay Business Accounts
- Create merchant account
- Receive payments via UPI/QR
- Access to business loans
- Payout solutions for employees
36. Language & Accessibility
- Hindi, Kannada, Tamil, Telugu, Bengali
- Voice search support
- Easy UI for elderly users
- Accessible for visually impaired (screen reader compatibility)
37. Amazon Pay for Prime Members
- Extra cashback
- Exclusive coupons
- Priority customer support
- Zero-interest EMI
38. Delete or Deactivate Amazon Pay
Currently, full deletion is not available unless the Amazon account is deleted. Wallet deactivation possible by:
- Contacting customer support
- Unlinking UPI and cards
39. Future of Amazon Pay
- Expansion into micro-loans
- Global cross-border payments
- Blockchain integration
- Rural outreach and Kirana partnerships
40. Conclusion
Amazon Pay has become a powerful digital finance tool for millions in India. From everyday payments to EMI and insurance, it’s simplifying life while offering rewards. As the digital payment ecosystem continues to evolve, Amazon Pay stands at the forefront with innovation, safety, and convenience
