Why is Amazon taking money out of my account

There are a few ways to stop Amazon from taking money from your account. You can either change your payment settings so that Amazon doesn’t have access to your credit or debit card information, or you can cancel your Amazon Prime subscription. If you have an Amazon Prime subscription, you can also cancel it and stop the monthly payments.

Amazon may be taking more money from your account because the company is raising its prices. In January of this year, Amazon increased the price of its Prime membership by $20, from $99 to $119. The company has also raised the prices of some of its other services.

There are a few ways to stop Amazon from charging your card. You can either delete your payment information, or unsubscribe from the service. If you unsubscribe, you’ll still have access to your account, but you won’t be charged anymore.

No, Amazon does not automatically take money out of your account. You will need to set up a payment method and authorize Amazon to charge your account.

If you’re not sure what the charge is for, you can contact Amazon customer service and provide them with as much information as possible about the charge. They should be able to help you figure out where it came from and what it’s for.

When you make a purchase on Amazon, the payment is processed by Amazon Payments. This appears as “AMZN*COMPANY” on your bank statement.

Amazon charges a different card in order to keep track of different spending. This allows Amazon to better understand their customers and what they are buying.

This is a term used to describe the activity that takes place when Amazon sells digital products, such as e-books, music, and video, to customers. The funds from these sales are transferred to customers’ bank accounts after the products have been delivered.

There are a few reasons that Amazon might charge you for shipping, even if you have Prime. One possibility is that the item you’re ordering is too large or heavy to qualify for free shipping. Additionally, Amazon sometimes charges for shipping on certain types of items, like oversized items or items that are shipped from a third-party seller. Finally, if you’re ordering a gift card or digital download, Amazon may charge for shipping in order to cover the cost of mailing the physical item.

Amazon charges for storage, pick and pack, and shipping.

To view your Amazon Marketplace orders, sign in to your account and click on the “Your Orders” tab. You will see a list of all of your orders, including the order date, order number, item(s) ordered, shipping address, and payment method.

Yes, they can track down someone using your debit card on Amazon. They will be able to see the last four digits of your card and the name on the card.

Unauthorised charges

If you see an Amazon Pay charge on your bank or credit card statement and you’re not sure where the charge came from, review your Amazon Pay orders.

  1. Click Sign in on top of the page, and then click Check your Amazon Pay orders.
  2. Sign in with your Amazon credentials.
  3. On the Activity tab, find the corresponding order or transaction, and then click Details & Support.

If you can find the corresponding transaction, but still can’t figure out where it originated, you can file a claim or report fraud or acceptable use policy violation.

To file a claim or report fraud or acceptable use policy violation:

  1. Search for the transaction that matches the charge in the Activity tab, and then click Details & Support.
  2. Choose File an A-to-Z Guarantee claim or Report fraud or misuse from the dropdown menu.

Note: If the corresponding order or transaction is in the Merchant agreements tab, go to Your Account, and then click Contact us.

If you can’t find a transaction that matches the charge in Your Amazon Pay Activity, you might want to consider some other scenarios.

Another person that uses the same device or credentials might have used the payment method with their Amazon account. This might have happened unintentionally (e.g. by using cached data on a computer) or assuming that you agree with the payment. Consider the following common scenarios, in case this charge resulted from one of these situations:

  • Have you or a family member purchased anything by using your card or bank account on Amazon? Certain charges on Amazon also will show as Amazon Pay on your bank or credit card statement.
  • Do you have a spouse, friend, relative, or co-worker who has access to your card number and might have used Amazon Pay?
  • Did you send a gift to someone recently, either from an Amazon website or a site that uses Amazon Pay as a payment option?
  • Did you place an order in the past for a back-ordered item that was only recently dispatched?

Otherwise there can be a risk that an unauthorised person might have used your credit card or bank data. In this case we strongly recommend that you complete the following steps:

  1. To block the payment instrument used for the transaction or to take other appropriate security measures, contact your bank or card issuer as soon as possible.
  2. To receive your money back, you need to file a chargeback with your bank or card issuer. Note, that banks or card issuers can ask you for further supporting documents like a police report or a written oath during chargeback process.
  3. Check the security of your computer, smartphone and other devices on which you have stored your payment information, and change the password of your Amazon Pay account.
  4. Add an additional level of security to your account by setting up two-step verification, also known as multi-factor authentication (MFA).
  5. To help Amazon Pay preventing further misuse of your payment method, contact us and notify Amazon Pay buyer support.

Internet scams and phishing

We know that you try to protect yourself from fraud on the internet. The information that follows is designed to help you identify and avoid internet scams and phishing attempts.

Be wary of internet scams

  • Payment requests for Amazon.com Gift Card claim codes — Do not provide an Amazon.com Gift Card claim code by phone, text, or email as a form of payment to a third-party merchant. Amazon Pay will not send you an invoice asking you to pay by Amazon.com Gift Cards. Amazon.com Gift Cards entered into your Amazon.com account cannot be used when making purchases with Amazon Pay on third-party websites. To learn more, see Common Gift Card Scams.
  • Payments that are made off the merchant site — Do not complete any payment for a purchase that directs you away from the merchant site.
  • Payments to guarantee the transaction — Do not share Amazon.com Gift Card claim codes or send money — by cash, wire transfer, Western Union, PayPal, MoneyGram or other means, including by Amazon Pay — to a merchant who claims that Amazon or Amazon Pay will guarantee the transaction, refund your funds if you are not satisfied with the purchase, or hold your funds in escrow.
  • Payments to receive a large amount of money — Do not make a payment to claim lottery or prize winnings, or on a promise of receiving a large amount of money.
  • Payments to guarantee a credit card or loan — Do not make a payment because you are «guaranteed» a credit card or loan.
  • Offers that seem too good to be true — Do not respond to an internet ad or phone offer for an item that is priced far below market value and that the seller claims a need to sell quickly.
  • Payments to someone whose identity you can’t confirm — Do not make a payment to someone you don’t know or whose identity you can’t verify.

When in doubt, ask the intended recipient for more information about the purpose and safety of the requested payment. Do not send the payment until you are comfortable with the transaction.

Identifying phishing or spoofed emails

From time to time you might receive emails that look like they come from Amazon Pay, but they are falsified. These emails might direct you to a website that looks similar to the Amazon Pay website. You might even be asked to provide account information like your email address and password combination.

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These false websites can steal your sensitive login or payment information, which is then used to commit fraud. Some phishing messages contain potential viruses or malware that can detect passwords or sensitive data. We recommend that you install an anti-virus program and keep it updated at all times.

Here are some key points related to fraudulent emails:

  1. Know what Amazon Pay will not ask you to provide in an email
    Amazon Pay might sometimes need to ask you for important information, but you will always be directed to provide this information through the Amazon Pay website.
    You should not provide personal information like the following in an email:
    • Your full or partial social security number or tax identification number
    • Your date of birth
    • Your credit card number, PIN, or credit card security code (including «updates» to any of the above)
  2. Be wary of attachments in suspicious emails
    We recommend that you do not open any email attachments from suspicious or unknown sources. Email attachments can contain viruses that can infect your computer when the attachment is opened or accessed. If you receive a suspicious email purportedly sent from Amazon Pay and that email contains an attachment, we recommend that you delete the email — do not open the attachment.
  3. Look for grammatical or typographical errors
    Be on the lookout for poor grammar or typographical errors. Some phishing emails are translated from other languages or are sent without being proofread and, as a result, contain bad grammar or typographical errors.
  4. Check the return address
    Is the email from Amazon Pay? While phishers can send forged email to make it look like it came from Amazon Pay, you can sometimes determine whether or not it’s authentic by checking the return address. If the «from» line of the email looks like «amazon-security@hotmail.com» or «amazon-fraud@msn.com» or contains the name of another internet service provider, you can be sure it is a fraudulent email.
  5. Check the website address:
    Genuine Amazon Pay websites are always hosted on one of the following domains:
    • pay.amazon.com
    • payments.amazon.com
    • authorize.payments.amazon.com

Sometimes the link included in spoofed emails looks like a genuine Amazon Pay address. You can check where it actually points to by pointing to the link; the actual website to which it points will be shown in the status bar at the bottom of your browser window or as a pop-up.

Chargeback FAQ

What is a chargeback?

A chargeback occurs when your customer contacts their bank or credit card company to dispute the charge for an order that they placed on your website. Chargebacks are also known as «charge disputes» and reversals, and they can be filed for a variety of reasons, including unauthorized use of the credit card. Common reasons for disputes include:

  • The card holder does not recognize the charge or payee on their statement.
  • The card holder did not receive the product or service.
  • The card holder feels that the product or service was defective, damaged, or not as described.
  • The card holder’s credit card was stolen or used without their consent.

How does a chargeback differ from a buyer dispute or the Amazon Pay A-to-z Guarantee?

In the case of a buyer dispute or an A-to-z Guarantee claim, the buyer contacts Amazon Pay to mediate a problem with their transaction or to make a claim under our A-to-z Guarantee program. In the case of a chargeback, the buyer contacts their bank or credit card company to dispute a charge. Note that the bank or credit card company decides the outcome of a chargeback, not Amazon Pay.

How will I know when a buyer has filed a chargeback?

Amazon Pay will send an email notification to your Amazon Pay account email address. If you have set up Instant Payment Notifications (IPNs) in Seller Central, you also receive an IPN message. For details, see Set up Instant Payment Notifications in the Amazon Pay integration options guide.

Am I held responsible for all chargebacks filed against my Amazon Pay account?

Under our Payment Protection Policy in the Amazon Payments Customer Agreement, we will not hold you liable for chargebacks and we will not collect a Disputed Chargeback fee if you and the transactions meet all the requirements of the Policy. You are responsible for any service-related chargebacks and any chargeback for a transaction that does not comply with our Amazon Pay Customer Service Policy. To qualify for coverage under the Policy, the following requirements apply:

  • You must have a Business or Seller Account.
  • The transaction must be for the sale of physical goods, like books and DVDs. The Payment Protection Policy does not apply to transactions that include intangible goods, including services, digital content, or cash equivalents such as gift cards.
  • The chargeback is labeled by the applicable card issuer as an Unauthorized Payment and not in any other way (such as, «significantly not as described,» merchandise that is defective,» or «non-receipt of merchandise»).
  • You must provide all requested information within the time limit specified by the email sent by us, including supplying valid proof of delivery.
  • The transaction and your Amazon Pay account do not violate the terms of this Agreement and policies, including our Acceptable Use Policy.

Do I need to do anything if the chargeback is covered by the Payment Protection Policy?

You must provide us with the information and documents listed below, and any other documents or evidence we may request, within 11 calendar days of the email notification date so that we can verify whether the transaction is covered by our payment protection policy:

  • Proof of delivery
  • Date the order was shipped
  • Tracking number (if applicable)
  • Shipping address
  • Whether the products sold were physical goods or intangible goods

What do I do when I receive a chargeback?

First, review your chargeback notification for important details such as the reply-by date. Next, review transaction details along with any customer communications you have received. Determine whether you would like to dispute or accept the chargeback. If you want to dispute a chargeback, please respond using the instructions found in your chargeback notification email.

How can I respond to a chargeback claim?

When a buyer contacts their bank or credit card company to request a chargeback, the bank or credit card company contacts Amazon Pay to request details about the transaction. In turn, Amazon Pay contacts you via an email notification to request transaction information. You can also receive an Instant Payment Notification (IPN) message if you have set up IPNs in Seller Central.

You can respond to a chargeback notification in one of two ways:

  • By choosing to dispute the chargeback via Amazon Pay. To dispute the chargeback, you need to respond to the email from Amazon Pay and provide the information in support of your case. For a list of the required information, see What information do you need from me in order to challenge a chargeback?.
  • By choosing to accept the chargeback. If you choose to accept the chargeback, you need to notify Amazon Pay to agree that the amount will be debited from your account. If you do not respond to the chargeback notification within 11 calendar days, we will debit your Amazon Pay account for the chargeback amount.

Note: You must respond to any chargeback notification within 11 calendar days of the email notification date. If you do not respond to a notification within that timeframe, we will debit your account for the transaction. You will also need to reply to any additional requests for information within the timeframe stated in the request.


Represent your case for a chargeback claim length: 3:24

What information do you need from me in order to challenge a chargeback?

To expedite the chargeback resolution, include as much information as possible in your initial response. If you do not provide a sufficient response to a chargeback claim, or do not adhere to the terms and conditions of our Customer Agreement, or if the card issuer or bank decides in favor of the cardholder, Amazon Pay may debit your account for the chargeback amount.

At a minimum, you must include the following information:

  • The status of the transaction
  • A description of the product or service
  • Proof that the item or service was received by the cardholder

In addition, it is very helpful to include any of the following:

  • Order confirmation emails
  • Details of any changes to, refunds, or cancellation of an order
  • Tracking numbers
  • System or usage logs for digitally downloaded goods
  • Photos of the item
  • A description of the product
  • A copy of your refund and return policies
  • Customer communication records

Note: Any supporting data forwarded to Amazon Pay may be presented directly to the credit card company and issuing bank. Therefore, please ensure that all data is relevant to the context of your dispute. Doing so will aid your chances of successful representation.

Is there a cost to dispute a chargeback?

The Disputed Chargeback fee for representation is $20 per chargeback; Amazon Pay will build, present, and maintain your case with the credit card company or bank. If you have provided the required information and the chargeback is covered by our Payment Protection Policy, you will not be charged a Disputed Chargeback fee and Amazon Pay will not collect the chargeback amount from your account. Otherwise, because Amazon Pay does not have any control over the chargeback dispute, the Disputed Chargeback fee will be collected regardless of the outcome of the dispute.

How long do I have to respond to a chargeback?

If you plan to contest a chargeback, we require a response within 11 calendar days of notification. The specific reply-by date can be found in the original chargeback notification email.

What happens if I don’t respond within 11 calendar days?

We require a response within 11 calendar days to ensure that credit card company or bank deadlines are met and that we can dispute the chargeback. If we do not receive a response within 11 calendar days, we will not dispute the charge, and your account will be debited the chargeback amount.

What does a chargeback notification look like?

Amazon Pay chargeback notification emails give you details about each chargeback with the following information:

  • Seller order ID
  • Order reference ID
  • Transaction date
  • Disputed amount
  • Card type
  • Dispute type
  • Dispute reason code

Chargeback Instant Payment Notification messages include key elements of the above.

The email notification also includes details on what information we require from you in order to dispute the chargeback claim and specifies the terms of the agreement under which we will assist you.

Note the dispute type, which tells you that the chargeback is one of the following:

  • Unauthorized transaction chargeback is the result of an unauthorized charge and potentially eligible for the Amazon Pay Purchase Protection Policy, as described in the Customer Agreement.
  • A service chargeback is filed by a customer, which means that you need to note the card type and dispute reason code so that you can determine which types of information to submit if you dispute the claim.

Find explanations for the major credit card issuers dispute reason codes in the Cardholder Dispute Reason Code Encyclopedia

What happens after I submit the chargeback dispute information?

An Amazon Pay investigator reviews the information provided, creates supporting documentation (sometimes referred to as «representment»), and submits it to the issuing bank or credit card company on your behalf. We will contact you if we or the issuing bank require further information.

The final outcome of a chargeback can take up to 90 days from the date on which the charge was disputed with the issuing bank. In some cases, it can take even longer. We will inform you, via email notification, of the outcome only if you are held financially responsible for the chargeback. The notification will outline why you have been debited.

If you feel that you were debited for a chargeback in error, reply to the notification. We will review your dispute. However, in the majority of cases, the issuing bank’s decision is final and there is no recourse to appeal that decision.

I don’t recognize this charge on my bill. What should I do?

We take charge inquiries seriously and are happy to work with your bank to resolve this issue. However, before contacting us, please consider the following common scenarios, in case this charge resulted from one of these situations:

  • Do you have a son or daughter away at school who is authorized to use the card? Have you asked them about this charge?
  • Do you have a spouse, friend, relative, or co-worker who has access to your card number and may have placed an order?
  • Did you send a gift to someone recently?
  • Did you place an order in the past for a back-ordered item? Perhaps it was just recently shipped.

We ask that you check with the other authorized users of the card or view the Your Account page to review your complete order history.

If the charge is not explained by any of these situations, please fax (or have your issuing bank fax) the following information to us at 1-304-781-4960:

  • Complete credit card number
  • Date of charge
  • Amount of charge
  • Contact phone for your issuing bank (the toll-free number on your credit card is sufficient)
  • Your name, e-mail address, and fax number or phone number

Please do not send your credit card number via e-mail, as this is not a secure transmission method.

In Case of Errors or Unauthorized Transactions

If you believe that your transaction history in your Payments Account, any confirmation for a transaction, and/or any transaction initiated through the Service is in error or is unauthorized, or if you need more information about any of the foregoing, you should contact us as soon as possible by telephone by calling (866) 216-1075, using the Contact Us page or writing to us at

Transaction Disputes
Amazon Payments, Inc.
P.O. Box 81226
Seattle, WA 98108-1226

When you contact us about an error or Unauthorized Transaction, provide us with the following information:

  • Your name, phone number, and the e-mail address associated with your Payments Account;
  • A description of the error or transaction that you are unsure about, and a clear explanation of why you believe it is an error or why you need more information;
  • The dollar amount of the suspected error;
  • The transaction date and associated transaction identification number from your Payments Account history, bank account statement, or e-mail confirmation;
  • A telephone number at which you can be reached in case we need further information; and
  • The name and telephone number of your bank if the error relates to a transfer to or from your bank account using your Payments Account.

If you provide us with this information orally, we may require that you send us your complaint or question in writing within ten (10) Business Days (as defined below). We will attempt to determine whether an error occurred within ten (10) Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (or ninety (90) days for transactions outside of the United States) to investigate your complaint or question. If we decide to do this, and your inquiry or complaint involves any amounts in question relating to the balance in your Payments Account, we may provisionally credit your Payments Account for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not grant provisional credit of the disputed amount.

We will tell you the results of our investigation within three (3) Business Days after its completion. If we determine that there was no error, we will send you a written explanation, and we may, and you authorize us to, debit your Payments Account for the amount of the provisional credit. You may ask for copies of the documents used in our investigation.

Automatic payments FAQ

Amazon Pay makes it possible for a merchant to automatically charge a payment method that is stored in your Amazon account for your future purchases and payments. Some examples include:

  • A recurring payment for a subscription
  • A recurring payment of a usage-based bill (for example, your mobile phone bill)
  • Payments for purchases you might make in the future (for example, purchases of mp3 songs or games)
  • Monthly donations

When you have authorized a merchant to automatically charge your Amazon account and have chosen a payment method, we will send you an email confirmation. You can modify or cancel this authorization by signing in to Amazon Pay and canceling or modifying the payment authorization listed on the Merchant Agreements page.

What is a recurring payment?

A recurring payment is a payment that occurs at regular or predetermined intervals over a specified time period.

What should a merchant tell me before I agree to a recurring payment?

When you agree to a recurring payment, the merchant must inform you of the amount of each recurring transaction, the frequency of the charge, and the duration of the arrangement.

If the payment you preauthorize will vary in amount, the merchant must provide you with an option to receive notice of the amount and the date of the charge at least 10 days in advance of the charge. If the merchant provides the option, you can choose to receive notice only if the amount of the recurring payment falls outside of a range to which you have agreed.

If the merchant did not comply with the above policy, report it to amazon-payments-seller-performance@amazon.com.

Will I receive notice when my chosen payment method is charged?

You will receive an email confirmation from Amazon Pay when you are charged. If you do not believe you authorized a charge, contact Amazon Pay Customer Support.

Can I use my debit card for a recurring payment?

Only credit cards can be used for a recurring payment. Do not choose a debit card when agreeing to a recurring payment. A debit card, also known as a «check» or «ATM» card, typically has the word «debit» printed on the face of the card.

How do I cancel an authorization I have granted to a merchant?

You can cancel an authorization that you have granted to a merchant (including a recurring payment authorization) by signing in to Amazon Pay and canceling the payment authorization listed on the Merchant Agreements page. To avoid unwanted charges for a recurring payment, make sure that you cancel at least five days before your next scheduled payment.

Does canceling the authorization automatically terminate my service or purchase agreement with the merchant?

No. Canceling a standing authorization through Amazon Pay only prevents the merchant from charging your Amazon account going forward. You might still be responsible for payment or other penalties under the terms of your agreement with the merchant. If you want to cancel your agreement with the merchant, contact the merchant directly.

How do I update the payment method I have authorized a merchant to use?

You can update or change the payment method that you have authorized a merchant to use by signing in to Amazon Pay, and from the Merchant Agreements page, clicking Details for the agreement that you want to change, and then, under Payment Method, clicking Change. To make sure that a recurring payment will use the updated payment method, be sure to make the change at least five days before your next scheduled payment.

Where can I find more information?

Review the terms of the Amazon Payments, Inc. Customer Agreement. If you have more questions, you can also contact us.

What is the Signature? And how is it calculated?

Amazon Payments Services uses SHA to secure transactions in the following way:
All the parameters sent with the transactions are used to create a string which is then hashed. The hashing is one way encryption that allows you to generate the hashed value and send it to Amazon Payments Services directly in the transaction parameters. you can guarantee the hashing validation using the following points:

The hashing results are unknown except to Amazon Payments Services, since Amazon Payments Services will use the same key configured in your account which you will use in generating the signature , if another key will be used in the hashing then it will fail to generate a valid signature value.

Resulting encryption
1) The result of hash is always unique. The one string to hash generate only one result of hashing.
2) No one can reproduce the correct Signature since during the signature calculations there is a key available in the account shared only with the merchant to be used in the Signature calculations.

Amazon Payments Services will use that Key to create the signature for the request and compare it with the received Signature.

How do I register for Amazon Pay?

What are the basic registration steps?

To get started, click Merchant registration at the top of this page, and then fill in the registration form to provide personal and business information.

Can I use my existing Selling on Amazon account? It says it’s not compatible.

Some products are not compatible with Amazon Pay, so you need to create a new Amazon Payments Merchant account with a new email address.

Why do you ask questions about my website?

We need to make sure that your website complies with our Acceptable Use Policy.

When you’ve completed these steps, we give you access to Seller Central, where you upload a number of documents that are needed for verifying your account and complying with our regulatory obligations. The documentation required depends on your type of business and place of establishment; we will confirm by email which documents we need in your specific case. To complete the verification process, reply to these emails.

How do I find my merchant ID / MWS Key?

You can find your Merchant ID and MWS Keys in Seller Central. Click the Integration menu, and then click MWS Keys. If you need help, contact Merchant Support.

My status is pending. When will I get an update?

Have you provided us with all of the information we need? To make sure, check Seller Central under Settings > Account Info. You might have received additional emails with further instructions. Find a copy of these emails in your performance notifications. If you receive these emails, reply to them to complete the verification process. If you’ve provided all requested information, Amazon Pay will process your application as soon as possible and email you when processing is complete.

Also, make sure that you’ve provided all website URLs where you plan to add Amazon Pay for review. To add, edit and review all website URLs where you plan to launch Amazon Pay on, sign in to Seller Central, click Integration, then click Integration Central, then go to Manage Client/ Store ID Configurations.

Why does Amazon Pay require my credit card details?

We need to have a card on file in case your Amazon Payments Merchant account shows a negative balance at some point.

If you have problems providing your credit card details, contact Merchant Support using the link that is shown at the bottom of any Seller Central page.

I uploaded a required document but have not heard anything from Amazon Pay. What should I do?

Have you provided us with all of the information we need? To make sure, check Seller Central under Settings > Account Info to be sure. You might have received additional emails with further instructions. Find a copy of these emails in your performance notifications. If you receive these emails, reply to them to complete the verification process. If you have uploaded everything required, Amazon Pay will process your application as soon as possible and email you when processing is complete. If you have problems sending a document to us, contact Merchant Support.

Disputing a chargeback claim

When Amazon Pay receives a chargeback claim, we email information to you about the chargeback, including the order number and the amount of the chargeback claim. You have the option of accepting the chargeback, or of requesting assistance from Amazon Pay in disputing the chargeback claim.

If you choose to dispute a chargeback, we assess a Disputed Chargeback fee of $20.00 and require you to provide us with information that we need to dispute the claim. When we have received the information from you, we work with the bank or credit card company to resolve the chargeback.

If you choose not to dispute the chargeback, the dispute is automatically granted to the customer, and Amazon Pay deducts the disputed amount from your account.

For detailed information about responding to a chargeback claim, see the Chargeback FAQ.

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