Frequently Asked Questions about Amazon Pay Later
| Tenure | Min amount | Max amount | |
| 1 month | 0 | 10k | Buy Now, Pay Next Month |
| 3 month | 3k | 30k | Buy Now, Pay in EMIs |
| 6 month | 6k | 60k | Buy Now, Pay in EMIs |
| 9 month | 9k | Buy Now, Pay in EMIs | |
| 12 month | 9k | Buy Now, Pay in EMIs |
Amazon Pay Later is the hassle-free way to get instant credit, via a completely digital process, for purchases using EMI on Amazon.in. You have to complete the one-time setup process, which should not take more than 2 minutes and does not require you to provide credit card details. Once the setup is complete, you can avail Amazon Pay Later payment option during checkout on Amazon.in, and pay later next month or over EMIs ranging from 3 to 12 months. You can easily track your purchases, repayments, and limits history from a simplified dashboard for this payment mode. Amazon Pay Later is offered to you by Amazon Pay (India) Private Limited ("Amazon")in partnership with one of its third-party lending partners - Capital Float or IDFC FIRST Bank.
Yes, both are same. Amazon Pay EMI has been re-branded to Amazon Pay Later.
You need to have an Amazon.in account with a verified mobile number, a valid permanent account number (PAN) card, bank account with one of the selected banks, and one of the officially valid document as address proof - Driving license, Voter ID card, Aadhaar, Utility Bills (not older than 60 days), Passport. You must be 23 years of age or above Further eligibility is decided basis information already available with Amazon and your credit bureau history. Based on these and a host of other factors, lending partner will decide the Amazon Pay Later limit for you.
We have made Amazon Pay Later available for a limited set of customers. We are working towards enabling it for a larger set of customers. We appreciate your patience.
Go to Amazon Pay Later registration page on your Amazon.in mobile App and follow simple on-screen instructions.
Step 1: Complete your KYC
You will be shown one of the below four modes of KYC completion:
If you are shown Option 1, i.e. Existing KYC, you will need to follow the below steps:
Enter missing 4 digits of the PAN Card you used for completing the KYC for Amazon Pay Balance.
Post submission of details, your profile will be evaluated, and Amazon Pay Later limit will be determined which will be displayed to you on the next screen.
Your approved Amazon Pay Later limit will be displayed on this screen along with the loan agreement. Please read and accept the agreement to complete Amazon Pay Later registration. This sanctioned limit will become active within few minutes of completing the registration.
If you are shown Option 2, i.e. OTP based eKYC, you’ll need to follow the below steps:
Enter your complete PAN card number and click Continue.
Enter your complete Aadhaar number and click Continue.
You will receive an OTP on your mobile number registered to your Aadhaar number. Enter the OTP and click continue.
Post submission of details, your profile will be evaluated, and Amazon Pay Later limit will be determined which will be displayed to you on the next screen.
Your approved Amazon Pay Later limit will be displayed on this screen along with the loan agreement. Please read and accept the agreement to complete Amazon Pay Later registration. This sanctioned limit will become active within few minutes of completing the registration.
If you are shown Option 3, i.e. Existing KYC with lending partner , you will need to follow the below steps:
OTP will be sent on the registered mobile number with the Lending Partner
Enter missing 4 digits of the PAN Card you used for completing the KYC for the lender.
Post submission of OTP, your profile will be evaluated by the lender, and Amazon Pay Later limit will be determined which will be displayed to you on the next screen.
Your approved Amazon Pay Later limit will be displayed on this screen along with the loan agreement. Please read and accept the agreement to complete Amazon Pay Later registration. This sanctioned limit will become active within few minutes of completing the registration.
If you are shown Option 4, i.e. CKYC, you'll need to follow the below steps:
Answer a few questions on your basic KYC information and give a consent on the KYC details displayed to you that are fetched from CKYCR.
Post submission of details, your profile will be evaluated by the lender, and Amazon Pay Later limit will be determined which will be displayed to you on the next screen.
Your approved Amazon Pay Later limit will be displayed on this screen along with the loan agreement. Please read and accept the agreement to complete Amazon Pay Later registration. This sanctioned limit will become active within few minutes of completing the registration.
PAN number is mandatory for completing Know Your Customer (KYC) checks. If you don't have a PAN, you will not be able to complete the registration and hence not be able to avail Amazon Pay Later.
In such cases, you can restart the Amazon Pay Later registration process from Amazon Pay Dashboard, on your Amazon.in mobile app/mobile browser once you have stable internet connectivity. You will start from the last step where you got dropped / disconnected.
Following are the probable reasons for decline / rejection for the Amazon Pay Later registration:
You can retry registration process from Amazon Pay Dashboard, on your Amazon.in mobile app/mobile browser
Amazon Pay Later is offered to you by Amazon Pay (India) Private Limited ("Amazon") in partnership with one of its third-party lending partners - Capital Float or IDFC FIRST Bank.
Any lending partner is extending credit limit to you under Amazon Pay Later, and hence you are required to share details with them.
Amazon follows globally recognized and certified data security standards to ensure safety of your data and information. Our lending partners follow follows stringent data security standards mandated by RBI.
Please note that Amazon Pay Later registration is only an app-based process and no person from our lending partner or Amazon will call to collect your personal details for this product, please don't share your details.
All limit related details along with your transaction & repayment history can be accessed from your Amazon Pay Later dashboard available here
Registration is a one-time process. You do not have to share your identity related details such as PAN, every time you make a transaction using Amazon Pay Later.
Usable limit is the amount of credit that is available for use, from the total approved EMI limit on your Amazon account.
Here is a detailed explanation:
As per RBI regulations, any entity can only disburse loans up to Rs. 60,000 in a year to the person who registered through Aadhaar-OTP based KYC process.
From Amazon's perspective, any successful order placed using Amazon Pay Later limit, irrespective of whether it got returned, cancelled or rejected by the customer, is counted as the instance of loan disbursal and that order's value gets counted towards the RBI limit of Rs. 60,000.
| Available Regulatory limit (T) | Rs.60000 |
| Transaction A | Rs.10000 |
| Transaction B | Rs.15000 |
| Transaction C | Rs.10000 |
| Repayment transaction (R) | Rs.5000 |
| Usable Limit (T- (A+B+C))** | Rs.25000 |
| Total Available Limit (T- (A+B+C)) + R | Rs.30000 |
**Irrespective of the Repayment transaction (R), the Usable Limit would be Rs.25000, as the remaining amount has already been dispersed as loan.
Now, whenever customer's Usable Limit goes below the Available Limit, we show a message to the customer on Amazon Pay Later dashboard stating "Your Usable limit is Rs. XYZ. Know more".
Amazon Pay Later currently offers 3, 6, 9 and 12 month EMI plans. In addition, customer can pay later next month as well. The applicable plans for your purchase will be displayed on the payment page during checkout.
You can make multiple purchases using Amazon Pay Later, up to your available limit approved as part of registration. Please note that as per regulations, for KYC undertaken using Aadhaar number/VID and OTP, there is a regulatory cap on the amount of total purchases (including cancelled/returned orders as well as the orders for which EMIs have been repaid) of Rs. 60,000 using Amazon Pay Later. You will be notified on Amazon Pay Later dashboard whenever the regulatory limit available for you becomes lesser than the actual Amazon Pay Later limit available.
For KYC undertaken using offline document verification process, there is no regulatory cap on the limit usage. You will be able to use and reuse the Amazon pay Later limit, as required. The same holds true for those customers who complete their KYC via existing KYC option wherein which they use their existing KYC for Amazon Pay balance to register for Amazon Pay Later.
Yes, you can use Amazon Pay balance along with Amazon Pay Later.
There is no interest cost applied for buy now, pay next month usage.
However while choosing to pay by EMIs (3-12 months) there might be interest costs attached.
The details about the interest cost payable will be communicated to you on payment page while choosing the EMI plan. From time to time, we will run promotional offers with No Cost EMI on selected products, which will be communicated on product details page & on payments page within EMI plans section.
The interest rate charged to you, as part of the EMI plan you select, will be displayed at the time of placing the order. After placing the order, you can always visit the Amazon Pay Later dashboard to view the same.
Auto-repayment setup is a one-time setup that can be done: (i) at the time of registration (optional); (ii) during first purchase using Amazon Pay Later (mandatory if not set already); or (iii) from Amazon Pay Later dashboard.
No transaction fee is charged on use of Amazon Pay Later.
No. Down-payments are not required for purchase using Amazon Pay Later.
No, you will not be able to change the payment method of an order, once the order is successfully processed and placed.
We are sorry to inform you that you will not be able to change your EMI plans once the order is placed.
We might offer some rewards for select usage & set of customers, from time to time, for purchasing using Amazon Pay Later limit. Any information related to this will be shared to you via Amazon app/sms/email.
Capital Float/ IDFC FIRST Bank has offered Amazon Pay Later facility to you in partnership with Amazon. Hence, you are receiving notifications from Capital Float/ IDFC FIRST Bank.
Amazon Pay Later can be selected via 2 options on the payment page:
1) EMI Option: Amazon Pay Later will be available as a payment method under EMI option on Payment page (available on both mobile and desktop)
2) Saved Card Section (available only on mobile)
In case the payment failed on your order, you will get an option to retry the payment using a payment method other than Amazon Pay Later. For instructions on how to retry payment, please visit this page.
If the Amazon Pay cashback is already credited to your account, on returning the item, the amount of refund processed will be the Total Order Value minus the Cashback Value added in your account. This essentially means that you received the refund in two parts (i) Cashback value in Amazon Pay balance (ii) and remaining value as deduction in utilized limit of Amazon Pay Later
In this case, since full amount is not refunded from your Amazon Pay Later limit, the differential value (which is the value of your cashback) is still utilized from your Amazon Pay Later, for which you have to pay EMI payments. We will convert this remaining value in the EMI plan of same tenure (as that of your order). EMIs will definitely be lower as total amount to be paid is lesser.
This new EMI plan (pertaining to cashback value) will be reflected in your Amazon Pay Later Dashboard in "Total Outstanding Amount payable" & "Utilized Limit".
| Total Order Value (T) | Rs.10000 |
| Amazon Pay Later limit utilized | Rs.10000 |
| Original EMI Tenure selected | 6 months |
| Cashback value (C) | Rs.1000 |
| Refund value (T-C) | Rs.9000 |
| Total Order Value (T) | Rs.10000 |
| Amazon Pay Later limit utilized | Rs.10000 |
| Original EMI Tenure selected | 6 months |
| Cashback value (C) | Rs.1000 |
| Refund value (T-C) | Rs.9000 |
Here, Rs.1000, i.e. the cashback amount deducted from your refund will be converted into an EMI plan for 6 months tenure in your account.
Yes. Just like any other order on Amazon, you can cancel or request cancellation any time before the delivery of the order.
No. There is no Amazon Pay Later specific cancellation fee in case you return or cancel the order purchased using Amazon Pay Later.
We will club monthly installments across all your purchases made using Amazon Pay Later into one total EMI amount.
For any purchase between 1st and 15th of the month, the first EMI will be due on the 5th day of the next month and for any purchase between 16th and till the end of the month, the first EMI will be due on the 5th day of the month next to the subsequent one.
For example: If you've made a transaction using Amazon Pay Later on June 14th, the first EMI will be due on 5th of July. And, if you've made a transaction using Amazon Pay Later on June 18th, the first EMI will be due on 5th of August (month next to the subsequent one).
Amazon Pay Later repayment can happen in two ways: (i) Auto repayment: which is a one-time setup during registration, or at the time of first purchase using Amazon Pay Later or from Amazon Pay Later dashboard. (ii) Manual repayment function from Amazon Pay Later dashboard for manual repayment of the installments or full outstanding balance through debit card, UPI or net-banking of any bank.
For setting up auto repayment, you are redirected to your bank page where you can complete it by Netbanking or debit card based authentication. Once this is set, the due amount will be automatically deducted from your linked bank account/debit card, thus making repayments hassle-free.
Your bank might charge one time mandate setup charge. Please read details on your bank page carefully.
Note:
Repayment of pay later credit dues is not allowed with another credit(Credit Card or Loans)
Rupay credit cards are not supported for auto repayment setup.
We have partnered with Capital Float / IDFC FIRST Bank to provide Amazon Pay Later facility. The monthly installment payments due/paid for your purchases using Amazon Pay Later limit are credited to the account of Capital Float / IDFC FIRST Bank.
Your purchase transaction will be declined. You will have to retry the payment from "Your Orders" page for that order.
Yes, you can pay upcoming due & total outstanding amount using the Amazon Pay Later dashboard without any additional charges.
In such a case, we will notify you through email and/or SMS about repayment rejection from bank and details on how to manually complete the payment to avoid any late payment fees/penalties that our lending partner may impose.
Please note that your Amazon Pay Later account can be blocked after few days post the due date if the installment payment is not received and will only be unblocked once the due payments are complete.
If you miss your payments on due date, we request you to manually pay it as soon as possible. Not paying even 3 days after your due date might attract late payment penalty of upto INR 200.
Yes, you can update your bank account for auto-repayment setup from Amazon Pay Later Dashboard.
Yes, you will be notified about upcoming payments via SMS and/or Email, 3-4 days before the due date so that you can keep the bank account well-funded for the repayments.
No.
It is very important to pay your EMI on time in order to avoid late payment charges, maintain a good credit rating, to prevent suspension of Amazon Pay Later facility, further actions on your Amazon account and avoid any legal action.
Please maintain adequate balance in your account around the repayment date. Not paying your EMI on time could result in a negative impact to your CIBIL score and all other bureau scores.
In all such cases, the excess funds deducted will be credited back to the respective bank account from 'Capital Float / IDFC FIRST Bank (our lending partner)' in 5-7 business days.
Your Amazon Pay Later account can be blocked due to multiple reasons:
If your account is blocked due to payments not paid on time, please complete the pending payments. We will re-assess your profile and reinstate your account on successful receipt of overdue payment. If it is blocked due to expiry of KYC, we will provide details of the process to complete Full KYC and extend validity. If it's blocked due to breach of Amazon's or partner's policies or Amazon Pay Later T&Cs, we will re-evaluate your profile on a periodic basis and notify you about reinstatement of your account.
In order to cancel your Amazon Pay Later account, you'll have to ensure that all the outstanding dues are cleared. Only if there are no outstanding dues, we will be able to process account cancellation requests. If all the dues are clear, please call our customer service team or reach out to our lending partner's customer service (details mentioned below) to request account cancellation.
You can keep track of your Amazon Pay Later account history on Amazon Pay Later dashboard. This dashboard will include following information:
You can access Amazon Pay Later dashboard on your Amazon App. Open Amazon App, click on Amazon Pay to open Amazon Pay dashboard. Click on Amazon Pay Later to open Amazon Pay Later dashboard.
In case you observe any fraudulent order on your Amazon Pay Later account, please reach out to Amazon customer service at 1800-3000-1637 for resolution.
For Amazon Pay Later terms and conditions, please visit here
For any queries related to Amazon Pay Later, you can reach out to:
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