Alternative payment methods with Amazon Pay

Offer shoppers a wide range of flexible checkout options to maximize conversion

What are alternative payment methods? They are checkout options that extend the power of Amazon Pay on your site, offering your business the ability to provide financing options that allow customers to complete purchases, such as buy now, pay later, payment installments, and more, with little to no technical lift.
By adding Amazon Pay to your site, you automatically* have access to:
Citi Flex Pay and Amazon Pay have teamed up to empower eligible Citi cardholders with equal monthly payment options on eligible purchases of $50 or more. Next time you shop at your favorite online retailers, just look for the Amazon Pay button to speed through checkout, then choose the Citi Flex Pay financing plan that works best for you.1
Shop with Points1
Here’s an additional program you can opt into:

It’s the same familiar and trusted Amazon Pay, but now you can choose Affirm as your payment method. Choose monthly installments or four interest-free payments — shop for things you want, the way you want.

How can alternative payment methods benefit your businesses

Shoppers are looking for fast checkout experiences that allow them to pay in a way that fits their budget and lifestyle. Here’s how offering alternative payment methods can help you meet demand.

Grow orders
Pay-over-time options allow customers to pay for more expensive items and larger cart volumes in flexible installments.
Make purchases more affordable
Offer your customers the ability to pay over time to make purchases more accessible.
Unique opportunities
Many of our alternative payment methods are unique to Amazon and merchants using Amazon Pay, such as Citi Flex Pay, an exclusive offering available to Citi cardholders.

Who is eligible for alternative payment methods (APMs)?

U.S. Merchants on CSPs that have Cv2 auto-enabled (BigCommerce, Prestashop), and CSPs that have Cv2 and EOT in their latest plug-ins (Magento, WooCommerce) are automatically eligible for APMs. Some merchants may have to turn on Estimated Order Total to receive auto-enabled APMs. Affirm requires a separate Terms of Service and rate agreement to be enabled.

Are there technical requirements?

Merchants must be confirmed to be on Amazon Pay’s Cv2 technology with Estimated Order Total enabled in order to access all APMs. For more information, checkout our Installment Payment Methods integration topic.

Do any APMs include additional fees?

Eligible merchants automatically receive auto-enabled APMs at no additional cost or technical lift. Amazon Pay with Affirm is also available as an opt-in payment method via Seller Central, with its own additional rates.

What kinds of APMs are available to shoppers?

Depending on credit card availability and cart eligibility, Amazon Pay will display several kinds of flexible financing and alternate payment options at checkout. Eligible cardholders will be able to select Equal Monthly Payments to pay for purchases monthly with promotional rates as low as 0%, or select pay-in-four when Amazon Pay with Affirm is enabled. When available, eligible cardholders will also be able to select Shop with Points to pay for all or part of a cart with their available credit rewards points.

How can I see what APMs are on my online store?

You can add or manage your APMs via Seller Central.

*Eligibility requirements apply. See FAQ.
**Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders.
1. Purchases made through Amazon Pay on participating merchant sites with Prime Store Card or Amazon Store Card are not eligible to earn rewards. This does not impact a shopper’s ability to apply reward points to purchases at checkout on participating merchant sites.