Can You Split Payments On Amazon? A Detailed Guide!

Most retailers let customers divide their purchases among credit cards, debit cards, cash, and gift cards. Numerous online retailers allow clients to make multiple payments at the same time.

Likewise, on the other hand, you might be curious whether Can You Split Payments On Amazon or not. You can read this post to discover my findings of this truth if you are curious!

Does Amazon Allow Split Payments on Debit/Credit Card?

Sadly, Amazon’s policy does not allow its customers to split payments into two separate debit or credit card accounts.

On the other hand, Amazon customers can split payments using a gift card they purchased from Amazon.

Split Payments On Amazon

Amazon only accepts split payments with a debit/credit card and gift card; otherwise, the payment will not be accepted.

Learn more about how to split payments on Amazon, adding payment methods to your account for payment splitting, and more!

How To Split a Payment on Amazon Using a Giftcard?

A customer who wishes to divide a payment on Amazon with a gift card must follow the steps below:

Step 1: You should purchase enough gift cards to cover the cost of the items you wish to buy. They are sold at several retail locations, with gift cards available at their card kiosks.

You can also buy Amazon gift cards at if that is your preference. The simplest way to obtain a gift card is to select the gift card from the top of Amazon’s website, then follow the on-screen instructions.

Step 2:  You need to add items to your shopping cart equal to the amount remaining on one of the redeeming gift cards.

You should acquire various gift cards depending on the amount of money required for the transaction.

Step 3: Use the gift card numbers to credit your account balance after placing the items in your shopping cart.

On the Amazon website, click on “Gift Cards” and then click on “Apply to Your Account” to put the codes to use.

Step 4: You can then proceed to the checkout after applying the codes. On your order’s “Payment Method” screen, follow the screen’s instructions to add your gift card codes.

As an alternative payment method, you can also enter a debit or credit card after entering your gift cards.

Step 5: Please review your order before proceeding to the checkout page to ensure that you correctly followed all of the steps.

Once both payment methods have been applied to your account, proceed to the checkout page to complete the purchase.

How To Add an Amazon Gift Card To Amazon Account?

Please follow the below steps to add Your Amazon Gift Card to your Amazon Account:

  • Step 1: You can buy a gift card either in person at a retail kiosk or online at Amazon.
  • Step 2: On the website, go to the drop-down menu labeled “Gift Cards” and select “Apply to your account.”.
  • Step 3: You can enter your Amazon gift card code during checkout.

A split purchase involves evenly distributing the purchase between debit/credit cards and gift cards whenever a significant amount of money is spent. Customers planning to spend a significant amount of money should buy many gift cards.

Can I Use a Visa/Mastercard Gift Card To Split A Payment on Amazon?

You cannot use Visa/Mastercard credit card with a Gift Card to split payments on Amazon, even though Amazon allows to split payments on online purchases.

The pre-paid credit cards act as debit cards on debit machines, although they are technically gift cards.

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Thus, when customers purchase prepaid credit cards, they are not provided with codes for accessing their Amazon accounts.

Alternatively, customers with unused pre-paid credit cards may acquire online gift cards to split their payments between the two retail sites.

What are the payment methods that Amazon accepts?

Amazon allows its customers only to split payment with a gift card; however, the company offers a variety of other payment choices.

Customers are encouraged to make separate purchases and place separate orders with any of the companies listed below to avoid spending everything on one debit or credit card at once:

  1. Amazon Pay
  2. Visa Debit/Credit Cards (Including Pre-Paid Visas)
  3. American Express
  4. Mastercard(including Pre-paid Mastercards)
  5. Amazon Gift Cards

Why Does Amazon not allow split payments with credit cards or debit cards?

Amazon may be unable to process split payments using credit/debit cards due to limits imposed by the credit card service provider it uses.

Online retailers often restrict the number of payment methods a customer may use due to the increased risk of fraud when several payment options are used. 

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It is more difficult to authenticate a customer’s identity when using several payment methods.

What Stores Allows Customers to Split Their Payments Using Debit/Credit Card?

Although Amazon limits customers’ options for splitting payments, many other retailers and websites currently allow customers to split payments in various ways.

Split Payments On Amazon

The following stores are now offering a split payment option to customers:

  1. Crate & Barrel is an American retailer that specializes in home furnishings (in-store and online)
  2. The Land of Nod is a fictionalized account of a fictionalized account (in-store and online)
  3. Walmart is a retailer that sells a variety of goods and services (in-store)
  4. Starbucks is a coffeehouse chain that was founded in Seattle in 1971. (in-store)

The difficulty of verifying a customer’s validity with split payments made with credit/debit cards makes them an undesirable choice for many consumers, and only a few merchants allow that verification.

The further problem is that many merchants cannot accept separate payments from customers online as their credit card service providers impose constraints on them.

Most online stores that accept split payments are located in the United States, so it is not impossible to find them.

However, a customer should be prepared to pay via one payment method in full.

Final Words on Split Payments on Amazon

The policies of Amazon allow customers to split payments between credit/debit cards and gift cards.

However, Amazon and many other websites do not allow customers to divide a purchase if they use separate credit or debit cards or pre-paid cards, regardless of their reason.

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Users can divide a purchase using a gift card, but first must enter the gift card number into their accounts, then apply the gift card to their debit or credit card transaction at the checkout.

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