Can You Split Payments On Amazon?

Let’s say you are chopping on Amazon, but the final amount in your cart is more than you expected. In that case, you may start to wonder can you split payments on Amazon.

The quick answer is that you can not use 2 cards with which to split the payment. You can split the cost with one card (credit or debit) or a gift card balance. 

More in-depth, we will discuss later in this article.

TABLE OF CONTENTS:

1. Can You Split Payments On Amazon Orders?
2. How To Split Payments On Amazon with Gift Cards?
3. Why Doesn’t Amazon Allow Split Payments With Credit and Debit Cards?
4. Can You Add An Amazon Gift Card To Your Account?
5. Which Online Stores Allow Split Payment?

Can You Split Payments On Amazon Orders?

Splitting payments on Amazon is possible if you pay with a credit/debit or with Amazon gift cards. Amazon doesn’t allow split payments between credit/debit card accounts. If you wish to split your Amazon payments, purchase an Amazon gift certificate or an existing one to make the second half.

How To Split Payments On Amazon with Gift Cards?

After you have added items to your cart, and are ready for checkout, follow these steps to split the payment with your gift card:

STEP 1: Click on your cart

First, you need at least one gift card in your balance. Your chosen products could use it to pay. Some gift tokens can only be used for one item or group of products, such as electronics, home repairs, interiors, clothing and shoes, jewelry, and so on. Other gift tokens may not apply to all items. Before you buy them, make sure to read the details.

STEP 2: Then click on “Proceed to checkout”

STEP 3: Select “Use your $X gift card balance” or enter a new code

You can purchase one if you do not have any Gift Card Balance. Click “Enter a gift card, voucher, or promotional code” and enter your code. 

STEP 4: Click on “Apply”

STEP 5: Finish your order

RELATED TOPIC: Can I Transfer Amazon Gift Card Balance To Paypal

Why Doesn’t Amazon Allow Split Payments With Credit and Debit Cards?

Amazon recognized that verifying a customer’s identity might be harder if multiple cards were used in their payment methods. Due to increasing fraud risk, they do not permit customers to pay with their debit and credit cards in the same transaction.

However, card service providers affiliated with the company have regulations. Customers who split transactions via cards may not be able to spend more than they have.

Amazon accepts the division of transactions involving gift cards and prepaid cards, as they can’t be overdrafted.

Can You Add An Amazon Gift Card To Your Account?

You can redeem a gift card to your account before checkout. You must purchase the gift card at Amazon.com first.

1. Log into your Amazon account
2. Click on “Accounts & Lists”
3. Select “Gift Cards”
4. Click on “Redeem a Gift Card” 
5. Enter the code, then click “Apply to my account”
6. To use your gift card balance of $X, you must tick the box at checkout

You can add it at checkout.

1. To add a gift card, click on “Enter a gift card, voucher or promotional code” in the Gift Cards, Vouchers & Promotional Codes section
2. Enter the code and click “Apply”
3. Next, you can proceed with your purchase order as normal

It is easier to use both a gift card and other methods simultaneously. You should also pay attention to the use conditions to select the best one for your product.

RELATED TOPIC: 

1. Do Amazon Gift Cards Expire if Not Redeemed
2. How to Check Your Amazon Gift Card Balance Without Redeeming

Which Online Stores Allow Split Payment?

Other retail chains, such as this one, allow customers to split their payments. However, the format may vary. Here are some examples:

• Walmart accepts gift cards with debit/credit cards, Walmart Pay one, and other payment methods.
• Starbucks accepts gift cards with debit/credit card

Due to strict card issuer requirements, most stores and websites won’t accept bill sharing between debit cards and credit cards. The transaction between multiple cards can be complicated, and card issuers don’t want to waste time verifying it. You should have cash on hand or a credit card to pay the bill at once.

Final Thoughts

Split payments may be made with a gift card or credit card. You can also add your gift card before or during checkout.

To avoid financial fraud, most stores and card companies won’t allow customers to split transactions between debit and credit cards.

Most US in-stores and online stores do not allow the dividing transaction, except for Walmart and Starbucks. To pay for an order, prepare a payment method.