Amazon Split Payment: How to Make It Happen in a Few Steps
Whether you’re looking to buy a toy for your pet, your favorite makeup product, or a doormat for your house, Amazon truly has it all. With so many things to buy on Amazon, this can make racking up a large order balance quite easy. However, Amazon gift cards in conjunction with your credit or debit card can be a great way to split up the payment. Discover exactly how to make an Amazon split payment, and what you’re unable to do with Amazon’s split payment method below.
You can split a payment on Amazon between an accepted credit or debit card AND an Amazon.com gift card.
However, you cannot split a payment between multiple debit and/or credit cards.
The Steps to Make it Happen
Here are the simple steps on how to split a payment on Amazon if you want to use a gift card and a credit card at checkout.
1. On your PC or Mac computer, ensure all the items you want to buy are added to your cart on Amazon.
2. Go to your cart and click the “Proceed to checkout” button (should be in the upper-right corner of your screen).
3. Then, in the “Add a gift card, promotion code, or voucher”, you’ll want to enter your Amazon gift card information and click “Apply”.
4. You may already have an outstanding gift card balance previously applied. If so, click the “Use your $X gift card balance” to use the rest of your gift card balance.
5. Select the debit or credit card you’d like to use to pay the rest of your order balance.
6. Review the page to ensure the correct gift card and payment method were selected, and then click “Place your order”.
PRO TIP: LEVERAGE VISA OR MASTERCARD GIFT CARDS
Look for promotions or cashback offers when purchasing Visa or Mastercard gift cards. Many retailers, especially during holidays, offer these at discounted rates or with additional perks.
By adding Visa or Mastercard gift cards to your Amazon Wallet, you gain flexibility in splitting payments on Amazon.
You can control how much of your purchase is funded by preloaded cards versus your main payment method, making this a handy tool for budgeting, gift giving, or taking advantage of rewards and cashback programs.
Note: Make sure the gift card is “open-loop”, meaning it can be used anywhere that accepts Visa or Mastercard.
See Also: The Easy Steps to Hide Your Amazon Orders
No Minimum Order Requirements
There are NOT any minimum order size requirements to split payments on Amazon between a gift card and a credit, debit, or prepaid credit card.
This makes it a great way to use up the rest of your Amazon gift card balance (even if it’s just a small amount).
You also don’t have to be a Prime member to split the payment between a gift card and a credit, debit, or prepaid card.
Any Amazon customer can split a payment on Amazon.
PRO TIP: PREFER TO USE PAYPAL?
If you want to use your PayPal balance to offset your Amazon purchases I have a clever workaround for you.
Simply use PayPal to purchase Amazon gift cards and add those gift cards to your Amazon account.
This allows you to indirectly use PayPal funds for Amazon purchases, effectively splitting payments between PayPal and your credit/debit card.
Can I Use 2 Separate Credit or Debit Cards to Pay?
No.
You cannot use 2 separate credit or debit cards to pay on Amazon.
You can only use a gift card along with 1 credit or debit card to pay.
See Also: How Late Does Amazon Deliver? Here’s the Real Dealio
How About Using 3 Credit Cards?
No.
Again, you can only split payments between a single credit card and a gift card.
PRO TIP: SPLIT AND CONQUER
Consider splitting your Amazon order up into different transactions and use a different credit card for each transaction if you want to use 3 separate cards.
Work Around for Using 2 Debit or Credit Cards
For financial reasons, you might find yourself needing to use 2 debit or credit cards on a purchase which Amazon prohibits.
But a clever workaround is to use a debit or credit card to buy an Amazon gift card for whatever amount you want, THEN use that gift card with your other debit or credit card.
This is also works as a way to essentially split a purchase with a friend so one of you doesn’t have to put the entire amount on their credit card and get reimbursed later.
Use a Gift Card and a Credit Card to Pay
Amazon’s split payment method encourages customers to use a gift card with a credit or debit card to pay for their order.
This way, if you have a gift card that doesn’t pay for your full order, you can still use it to deduct your total balance and then use your credit card to pay off the remaining balance.
Use a “Prepaid” Credit Card and a Gift Card to Split a Payment
You can use a prepaid credit card along with an Amazon gift card to split your Amazon payment.
Therefore, if you have a Visa, MasterCard, or America Express prepaid credit card lying around, consider using it next time you shop on Amazon.
Ask the Reader: Do you split your Amazon payments often? If so, have you ever ran into any issues?
By Kyle James
I started Rather-Be-Shopping.com in 2000 and have become a consumer expert and advocate writing about out-of-the-box ways to save at stores like Amazon, Walmart, Target and Costco to name a few. I’ve been featured on FOX News, Good Morning America, and the NY Times talking about my savings tips. (Learn more)