You can purchase items on Amazon using various payment methods like debit, credit, prepaid gift cards, and more. However, if you’re trying to use two or multiple cards together for a large order, Amazon doesn't directly offer this option—but luckily there's a new workaround.
On Amazon’s website it says: “You can split payment between one of the accepted credit or debit cards and an Amazon Gift Card, but you can't split payment among multiple cards.” This can be an issue if your credit limit isn’t high enough, or if you find yourself with a stack of prepaid VISA/Mastercard/AMEX gift cards after the holidays or your birthday, as merchants treat these types of prepaid gift cards like regular credit cards.
Luckily, there are two clever ways around this problem. Keep reading to learn how to split payments on Amazon.
While Amazon doesn’t give you the option to use multiple or even use two cards for one purchase, there are two solutions that will let you bypass this restriction.
Kasheesh is an innovative third-party payment service that lets you to split your Amazon payment across multiple cards, including credit cards, debit cards, and prepaid gift cards. It works seamlessly with all online retailers, including Amazon.com, by providing a virtual debit card that consolidates the total amount you want to pay across your selected cards.
This method is by far the fastest and most convenient way to use multiple payment methods on Amazon, as you only have to set up your cards in your Kasheesh account once and can then use your Kasheesh card to split payments across your cards anytime you want on Amazon or at other retailers.
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Here’s another solve: Amazon allows partial payments using an Amazon gift card. So, you can buy Amazon gift cards with all of the cards you would like to split the payment across, and then apply your gift card balance to your order.
Within a few minutes, you should receive an email (check your spam folder if not). It will contain a gift card code and a "Redeem now" button, which will direct you back to Amazon to load it into your account.
Repeat this process for every card you would like to use.
Once you’re ready to make your purchase, Amazon will usually apply the gift card balance automatically. If not, you can check the box that says “Use my Gift Card Balance of $XXX.” You can also manually enter the gift card code in the "Gift cards & promotional codes" box at checkout.
If it’s a shared purchase where you’re splitting the cost with a friend, partner, or roommate, you can simply ask them to buy and send you the Amazon e-gift card for their portion of the cost, and you can then add that gift card during checkout.
While this second method of splitting payments on Amazon is more tedious and time consuming–as it requires you to buy individual gift cards for every card you want to use during every purchase–it can still be a good solution in some situations.
Ready to start splitting your Amazon purchases across up to five cards?
While Amazon doesn't offer this option at checkout, a nifty workaround is to split the payment with third-party payment service Kasheesh, or by purchasing multiple Amazon gift cards.
Amazon lets you split a payment between a credit or debit card and an Amazon gift card, but you can use Kasheesh to split the payment between multiple credit card or VISA/Mastercard gift cards. Another way to get around the limitation is to purchase an Amazon gift card with one of your cards, and then apply your existing Amazon gift card balance to cover part of the total cost. However, using a third-party service like Kasheesh to split the payment between your cards lets you avoid the hassle of purchasing gift cards.
Yes, Amazon lets you use prepaid cards for the majority of purchases, but certain restrictions apply. The following restrictions apply to prepaid Visa gift cards: they can't be combined with credit cards on a single order (unless using a third-party service like Kasheesh that lets you combine multiple cards).
Yes, you can use one or multiple VISA gift cards on Amazon for partial payment by utilizing a third-party service like Kasheesh to combine up to five VISA gift cards for a single purchase.
Yes, Amazon lets you use prepaid cards for most purchases but the following restrictions apply to prepaid Visa, MasterCard, and American Express gift cards: they can't be combined with credit cards on a single order.
Amazon does not directly offer Afterpay or Klarna as payment methods, but for a fee these 'Buy Now Pay Later' services will let you create a one-time card to use at Amazon.
Amazon Pay Over Time with Affirm is available as equal monthly payment options during checkout for eligible orders over $50. Non-eligible items include: groceries; prescription medications; vehicles; digital products; "Available soon" items; Amazon.com Gift Cards; Prime subscriptions, Subscribe & Save, and Recurring Delivery orders; or on items with special delivery options selected such as Inside Entryway or Deluxe Delivery and Unpack.
Disclosure: Kasheesh is a financial technology company, not a bank. Banking services provided by Bangor Savings Bank, Member FDIC. Kasheesh's Mastercard® Pre-paid and debit cards are issued by Bangor Savings Bank, Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circle design is a trademark of Mastercard International Incorporated. Spend anywhere Mastercard is accepted.
The content on this blog is for general information purposes only, and is not intended to be personal financial advice. It does not take your individual circumstances and financial situation into account, and any reliance you place on the information is at your own risk.
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