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What You Need to Know About Amazon BNPL (2022)

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According to a survey of U.S consumers, 83% of consumers use BNPL services to make major purchases and 61% of them are using BNPL services to handle their spending and budget for purchases. Furthermore, it is considered a practical alternative to using personal loans and credit cards. 

For Amazon shoppers, the platform has launched the Amazon BNPL service to bring a more comfortable payment method to them and enhance their buying experience.

Learn how you can benefit from the service to help save money on your Amazon purchases.

Learn the basics of BNPL 

What Is Buy Now, Pay Later?

Buy Now, Pay Later (BNPL), known as “point of sale installment loans”, is a kind of short-term financing that enables customers to buy items now and pay for them later in the future, sometimes without incurring interest. 

The “Buy Now, Pay Later’’ service allows customers to purchase products and pay for them later on a future date.

BNPL Distribution Models

There are four main distribution models, including:

Why use the BNPL service?

For consumers, the amount of information they must supply does not vary by product because BNPL providers offer a simple and consistent experience without requiring additional fields beyond a merchant’s standard checkout flow.

In addition, the BNPL services are interest-free. Therefore, they are more appealing to customers than traditional financing tools like credit cards.

Sellers can improve the conversion rates by using the BNPL payment method

For merchants, the BNPL payment option can help them boost conversion rates and average order value by lowering customers’ hesitation and reducing cart abandonment.

How does Amazon BNPL work?

The Amazon BNPL service allows buyers to split a purchase into five payments. They will make the initial payment when the products are on delivery, then four additional payments within the next four months using a credit card linked to your Amazon account.

Here’s when you will make your payments as a result of your selection of the Amazon BNPL service. Source: Amazon

Payments in the Amazon BNPL program are usually equal; however, if the purchase amount isn’t evenly divided by five, the final payment may be less.


  • You can use the Amazon BNPL service for only one item per product category or device family at a time. For example, you can’t use BNPL to buy two Amazon Fire tablets. 
  • You can prepay your next installment or pay off the entire balance before it’s due since there’s no interest involved

What are the advantages and disadvantages of the BNPL service of Amazon?

Honestly, no matter how good the service is, there are always advantages and disadvantages that may be of your concern. Considering Amazon BNPL’s pros and cons when choosing a payment method is never a redundant thing to do.

You can benefit from the Amazon BNPL service in many ways

There is a list of benefits you can get when using Amazon BNPL. They are not only the reasons why you should choose Amazon BNPL but also the plus points that make the service outshine the others.

The Amazon BNPL service has both advantages and disadvantages that you may concern

Yet, there are some drawbacks of the Amazon BNPL service

Don’t get into Amazon BNPL too fast if the drawbacks below make you feel uncomfortable. However, those things are minor and won’t affect your experience much as long as you know how to avoid them.

Amazon partners with Zip, Affirm, and Barclays to deliver the Pay-Over-Time option at checkout

Amazon is teaming up with 3 financial companies to provide its customers with various installment-based payment options.

Amazon teamed up with other BNPL services to deliver the Pay-Over-Time option.


Amazon Inc’s Australia unit has signed up Zip Co. Ltd (formerly known as Quadpay) to offer its BNPL service to Amazon buyers in Australia. Its payment system has gone live on the Amazon Australia site since 2019.

Zip offers two products, Zip Money and Zip Pay. So, you can purchase using Zip on with either a Zip Pay or a Zip Money account.

Learn how to use Zip on Amazon here!


Amazon strikes a deal with Affirm, the US-based BNPL provider. They have reached an agreement to offer their US customers monthly payment plans for purchases of $50 or more for the first time.

Affirm’s BNPL checkout option will be available to certain Amazon customers in the U.S. The partnership will allow eligible U.S. purchases to be split into smaller, monthly installments. 

Learn how to use Affirm on Amazon here!


In 2021, Amazon made a deal with Barclays to enable its customers to pay in installments in the UK. Installments by Barclays is a reusable credit account that allows you to fragment the cost of purchases over £100 across fixed monthly payments. 

The service, Installments by Barclays, will give customers better flexibility to pay for their purchases, with the plan of spreading payments over three to 48 months.

Learn how to use Barclays on Amazon here!


The BNPL has become a popular payment alternative, especially when purchasing online. 

Now eligible Amazon shoppers can make five monthly payments over four months on eligible products thanks to the Amazon BNPL service.

Make your purchases now and select the BNPL option that suits you the most.

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