what is amazon digital charge on my credit card

If you have multiple credit cards saved on your Amazon account, you could get charged for subscriptions on any one of those cards. VISA DDA PUR 469216 AMAZON DIGITAL SVCS 8* WA; DEBIT CARD PURCHASE - AMAZON DIGITAL SVCS AM xxx-xxx-7820 WA; AMAZON SERVICES-KINDLE 866-216-1072 WA. Usually you would do that by logging into your account on Amazon and cancelling the services. You need to log in with the same account that subscribed to.

What is amazon digital charge on my credit card -

How to Send a Payment to Someone Online Using a Credit Card

Exchanging money has become simple in the digital world with companies like Paypal, Amazon and Square offering solutions from your computer or mobile device. These three allow the sender to make a payment to someone using a credit card, while others like Google Wallet don't yet allow a credit card provision. In order to complete the transaction, both the recipient and sender need to have an account with the respective company.

PayPal Send Money

PayPal is a leader in online money transfers and transaction payments. Both parties need a PayPal account. To send the money, obtain the email address from the recipient; confirm the email corresponds to the PayPal address. Log in to PayPal and select the "Send Money" option.

The next prompt asks if you are paying for goods or services or sending money to friends and family. Select the appropriate option and enter the email address of the recipient in the provided box and the amount you want to send. To ensure you are using the correct payment option, click on "Change Payment Method." If the credit card you want to use isn't listed, add it.

Confirm the details and send the money. You should receive a confirmation email from your PayPal account.

Fees Charged by PayPal

Payments to vendors carry a fee of 2.9 percent plus $0.30 per transaction. So for a $1,000 payment, PayPal collects $29.30. You have the option to pay this for the transaction or the recipient receives the funds less the amount. Friends and family transactions don't carry a charge.

Amazon Payments Program

Amazon Payments has a similar program to PayPal. Accounts are linked to bank accounts or credit or debit cards. As with all online cash payment systems, the first time you register an account, you must confirm the account before you can proceed. Ask the recipient for their Amazon "Recipient Name" and enter it into the box.

Confirm you have the correct person to send money to. Even though you are sending cash, don't select "cash advance," instead choose "goods and services," otherwise your credit card company charges you for a cash advance.

Fees Charged by Amazon 

Amazon provides free transactions for payments up to $1,000 per month. This means you can send one payment of $1,000 or four of $250 without paying a fee. Anything over this amount is charged the same way PayPal does – at 2.9 percent plus $0.30 per transaction.

Square Cash Service

Square started as a mobile merchant but has evolved into a streamlined mobile money transfer service for consumers. The app is available on Apple and Android phones. After you download the app, link your credit card to the app account. With the phone number of the recipient, you can make a payment by simply tapping the "Pay" button. Enter an amount over $1 and then send. There is a three percent fee to use a credit card when making payments.

References

Writer Bio

With more than 15 years of small business ownership including owning a State Farm agency in Southern California, Kimberlee understands the needs of business owners first hand. When not writing, Kimberlee enjoys chasing waterfalls with her son in Hawaii.

Источник: https://smallbusiness.chron.com/send-payment-someone-online-using-credit-card-56183.html

What do I do if I’ve spotted a payment transaction I don’t recognise?



The name that appears on your statement

Their trading name or company name (if different) and service they provide118118 BeautyA beauty club subscription service providing discounts on treatments.121money.comA credit broker providing an online membership programme.247 MoneyboxA lender providing cash advances for short-term money needs.A2Z LoansAn online loan broker that charges a fee for finding loans for their customers.Adrian Flux InsuranceA specialist motor vehicle insurance provider.AlcudaBillThey process billing for various online dating services.All About PrizesAn online membership programme that enters members into competitions for a monthly fee.AllpayThey provide a payment service for public and private sector organisations, including various councils and housing associations.Amazon PrimeAmazon – this is their subscription service for faster delivery of their products.ArcadiaGroup name of UK’s largest fashion retailer – brands include Burton, Dorothy Perkins, Evans, Miss Selfridge, TopMan/TopShop, Wallis, BHS and OutfitAriste Holding LtdCash Genie – a payday lender.Ask ZiingaA penny auction website that charges for membership after a free trial.AVG Internet SecurityAVG Technologies – they provide anti-virus and internet safety software.B365 InternetBet365 – an online gambling company.BadooA dating-focused social networking site that charges for premium features.BFL (Paysafe)Big Fat Lotto – an online lottery syndicate.Big Savings ClubAn online discount membership scheme that charges annual fees after a free preview trial.CapitaThey provide business process outsourcing, responsible for payment services for TV Licence.Cash LocatorAn online loan referral service that may charge you an application fee for searching lenders.Cash 4 U NowA payday lender.Castle Finance DirectA loan application website that charges for referring you to lenders.CHBChild BenefitChequelessThe Money Shop – a payday lender.Completesave.co.ukComplete Savings UK – an online savings programme where you’re charged a monthly membership fee after a free trial.Credit CleanerThey provide online access to your credit report where you’re charged a monthly free after a free trial.Creditconfidential.comAn online service that gives you access to your credit report. You’ll be charged a monthly fee after a free trial.Credit ExpertExperian – one of the UK’s leading credit reporting companies.Domestic & GeneralThey provide warranties for domestic appliances, boilers and electronic products.EETelecommunications company for EE, Orange and T-Mobile brands.Epoch.comThey provide billing services to online merchants, including adult entertainment websites. Equifax LtdThey are one of the UK’s leading credit reporting companies.
Источник: https://www.barclays.co.uk/help/payments/payment-information/unrecognised-transaction-bmb/

Amazon to stop accepting UK-issued Visa credit cards

Amazon has told customers that it plans to stop accepting payments made with UK-issued Visa credit cards in January.

In an email to users of the site, it blamed the cost of processing the payments, telling them: “Starting 19 January 2022, we will unfortunately no longer accept Visa credit cards issued in the UK, due to the high fees Visa charges for processing credit card transactions.”

The retailer said it would continue to accept Visa debit cards and other credit cards, including Mastercard, which supplies the retailer’s branded credit card, and American Express but acknowledged that the change would be “inconvenient” for some customers.

Payments on cards attract a range of fees including interchange fees and other transaction charges, and it is understood that Amazon’s move has not been prompted by an increase in any of the charges in particular.

In a statement, a spokesperson for the retailer said: “The cost of accepting card payments continues to be an obstacle for businesses striving to provide the best prices for customers. These costs should be going down over time, with technological advancements, but, instead, they continue to stay high or even rise.

“As a result of Visa’s continued high cost of payments, we regret that Amazon.co.uk will no longer accept UK-issued Visa credit cards as of 19 January 2022.”

Interchange fees are typically a percentage of the cost of the transaction and are higher for credit card transactions, and for those where purchases are made remotely, including online sales, although there are caps on payments made within the UK.

In a statement, Visa said it was “very disappointed that Amazon is threatening to restrict consumer choice in the future”.

It said: “When consumer choice is limited, nobody wins. We have a longstanding relationship with Amazon, and we continue to work toward a resolution, so our cardholders can use their preferred Visa credit cards at Amazon UK without Amazon-imposed restrictions come January 2022.”

It added that UK shoppers could continue to use their cards at Amazon “throughout the holiday season”.

Many shoppers choose to use credit cards for large purchases online because of the extra protections that are offered if things go wrong.

Under section 75 of the Consumer Credit Act, if a retailer goes out of business or fails to deliver goods as promised and the items cost more than £100, the credit card provider has an obligation to refund the costs.

James Andrews, from the comparison website money.co.uk, said the decision would come as a blow to the millions of UK shoppers who had Visa credit cards, including customers of Barclaycard and HSBC.

“With American Express also rejected by many UK retailers, that means people looking for rewards on their spending or trying to split the cost of shopping with a 0% purchase card on Amazon will be effectively forced to choose a Mastercard,” he said.

“Hopefully, Visa and Amazon work out their differences before the ban comes into force on 19 January but in the meantime it would be wise to check your cards now.”

Card fees have long been an issue of contention between providers and retailers, and this month Visa and Mastercard increased their quoted fees for “card-not-present” payments on credit cards to merchants in the EU after the removal of caps post-Brexit.

The British Retail Consortium said companies faced an estimated £150m increase in the cost of accepting cross-border card payments, with British retailers shouldering an extra £36.5m in fees, equivalent to £100,000 every day.

The Federation of Small Businesses said its members had experienced soaring fees in recent years.

Its national chairman, Mike Cherry, said: “Small businesses are almost always charged more for card terminals than big corporates – so when online giants start throwing down the gauntlet, you know the situation is becoming critical.”

Visa’s shares were down 3.3% in pre-market trading in the US.

Источник: https://www.theguardian.com/technology/2021/nov/17/amazon-to-stop-accepting-uk-issued-visa-credit-cards

What You Need to Know About Amazon BNPL

Amazon has become synonymous with online shopping, and as it’s grown, the company has expanded its offerings into financial products that help you pay for what you buy on the platform. Over the years, it’s offered promotional financing through its credit cards, but now eligible Amazon shoppers can make five monthly payments over four months on eligible products.

This buy-now-pay-later (BNPL) service works similarly to the payment plans offered by Affirm and PayPal Pay in 4, in that you break up a purchase into separate payments. The service charges no interest, though you may be charged interest on the credit card you link to the service if you don’t pay off your balance every month. Learn how Amazon’s BNPL program works, and what fees and restrictions you can expect.

How Does Amazon BNPL Work?

The Amazon BNPL program allows shoppers to split a purchase into five payments. You'll make the first payment when the item ships, then four additional payments over the next four months using a credit card linked to your Amazon account.

This is a departure from many popular BNPL services, which require four payments over a six-week period. Amazon BNPL payments are typically equal, but the final payment may be smaller if the purchase amount isn't equally divisible by five.

The program is different from the promotional financing options you can get through one of the Amazon store cards or co-branded Visa cards through Chase. Those options include repayment plans that range from six to 24 months, depending on the card. They also differ from the BNPL service in that they have purchase minimums and may charge interest, depending on the finance plan.

You can use Amazon’s BNPL 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. 

Is There a Minimum Purchase Size When Using Amazon BNPL? 

There's no minimum purchase amount to take advantage of Amazon's BNPL service. 

However, the service is limited to qualifying new products sold and shipped by Amazon, as well as qualifying or new certified refurbished Amazon devices sold and shipped by the retailer's digital services arm.  

Is There a Maximum Purchase Size When Using Amazon BNPL?

Amazon also doesn't list a maximum purchase amount, instead focusing on offering BNPL for certain items. 

Do Products Bought with Amazon BNPL Ship After First Payment?

Yes. You'll make your first payment on the date the product ships. This sets Amazon’s BNPL and other BNPL services apart from layaway programs that give you the product only after you’ve paid it off through a series of payments over time.

Can I Use Amazon BNPL To Pay Bills?

No, Amazon's BNPL service is only available on qualifying Amazon purchases. You can't use the feature with other retailers or to pay your monthly bills like rent, utilities, and wireless phone service.

Is There a Credit Limit?

Unlike other BNPL services, Amazon doesn't provide a credit limit because it doesn’t offer a credit line. It's simply another payment method the retailer offers to make paying off certain items more manageable.

Does Amazon BNPL Affect Your Credit Score?

No, the service doesn't impact your credit score in any way, which can happen with other BNPL apps. However, your payment activity on the credit card linked to the service can affect your credit score. 

Does Amazon BNPL Check Credit?

While other BNPL services require a soft or hard credit check when you apply, Amazon doesn't use your credit report to determine your eligibility. As such, applying for BNPL won't hurt your credit score.

Does Amazon BNPL Report Your Activity to Credit Bureaus?

Amazon doesn't report your BNPL payments to the credit bureaus. But the credit card you have connected to the service almost certainly does. So, while using the Amazon service itself won’t necessarily build or hurt your credit, you can still help your credit by paying your linked credit card on time, or hurt your credit by not paying it on time. While this means you can't use the program to build your credit history, it also means late payments won't damage your credit score.

What Credit Score Do You Need To Use Amazon BNPL?

There's no minimum credit score requirement because Amazon doesn't run a credit check when you choose monthly payments as your payment method.

Instead, the retailer uses four main eligibility criteria:

  • You must reside in the U.S.
  • Your Amazon account was active in the past year.
  • You need a valid credit card linked to your Amazon account—debit cards are not accepted for this program.
  • You need to have a good payment history with the retailer.

Amazon may also consider other factors, such as your transaction history and the nature and price of the qualifying item.

Certain Capital One credit cards can’t be used with the program.

Does Amazon BNPL Charge Interest?

Amazon doesn't charge interest when you use its BNPL service. Of course, you can prepay your next installment or pay off the entire balance before it's due. 

Because there's no interest involved, the only benefit of paying off your balance early is to not have to keep track of upcoming payments, especially if you're using the program for multiple purchases at a time.

Does Amazon BNPL Charge Fees?

No, Amazon doesn't charge fees to use its BNPL program. 

Is Amazon BNPL Safe?

Another way Amazon’s BNPL program differs from other BNPL services is that you're not involving a retailer and a lender—you go directly through Amazon. When you set up monthly installments, the process is just as safe as making regular payments through your Amazon account.

But while payment security is strong, using BNPLmultiple times could make it difficult to keep up with all of your payments. Also, because you don't have to pay in-full upfront, it could encourage overspending, which can hurt your financial well-being. 

Finally, because Amazon only allows you to use the program with a credit card, you'll also have to make sure you pay your credit card bill to avoid interest charges and late fees. If you miss a payment or rack up a high balance on your card, it could hurt your credit.

Amazon BNPL Retailers

Amazon's BNPL program only works on qualifying purchases made with Amazon, whereas. other BNPL services partner with thousands of retailers.

How To Use Amazon BNPL Online

If monthly payments are an option for a specific item you're purchasing, you'll see it on the product details page. Select it when you add the item to your cart, once it's in your cart, or at checkout. 

When you check out, your initial payment will include not only one-fifth of the purchase amount but also the full applicable taxes and shipping fees. Amazon won’t actually charge your card until the item ships. 

Subsequent payments will occur every 30 days from the shipment date until you've paid in full.

How Do Returns Work When Using Amazon BNPL?

If you need to return an item you've purchased through the BNPL program, you'll receive a refund for the purchase amount minus your remaining BNPL balance.

How Do I Pay Amazon BNPL?

Amazon charges your installment payments to a linked credit card of your choosing. You can't use other payment methods like debit cards, prepaid debit cards, or PayPal.

What Happens If I Don’t Pay Amazon BNPL?

With other BNPL apps, missing payments could impact your credit score. With Amazon, you don't have to worry about that. 

However, the retailer may pursue all available options to collect what you owe if you stop making payments. That may include suspending or closing your Amazon account, sending your account to collections, and reporting your account to credit bureaus. If you own Amazon devices, the retailer may deregister them and block your ability to access Amazon content and services through the device. 

Источник: https://www.thebalance.com/what-you-need-to-know-about-amazon-buy-now-pay-later-5185538

Amazon.com Store Card

Overall card rating

3.0

from Credit Karma members

Most helpful positive review

Convenient, great signup promo!

Credit Karma Member

Being a Prime member, I have been interested in adding this Store Card to my account since I do the majority of my online shopping at Amazon.? I was just approved for a $2100 CL with scores of EQ: 673 TU: 685 and EX 677.? No open collections or unsatisfied judgments.? A total of 12 late payments from 2 student loans from 2013 still appear on my reports.? My current credit utilization is around 5%.? The only report they pulled for the account was TransUnion (same as in April, 2015).? I had applied for this card in April 2015 but was declined at the time (scores across the 3 bureaus were in the mid 500s, with open collections and 2 judgments).? Hope this helps someone.

Most helpful negative review

They closed my account!

Credit Karma Member

I am very disgusted with Amazon right now. I went to place an order and my card was declined. I figured that I might had entered the number incorrectly so after doing it a couple of times it still didn't go through. I logged into my account to see what was going on and to my surprise MY ACCOUNT WAS CLOSED! :( I've had the card for almost a year with no issues, no problems, no late payments, or anything else. When I called them to find out what happened, they informed me that after reviewing my credit report, they determined that it was in their best interest to close the account. Now that I've been getting my old debts resolved I guess I'm starting to appear on everyone's "radar" and I'm getting dinged on a regular basis. No problem. I understand that. But I am very annoyed because I haven't had any slip-ups in the last 5 years. From the time I was issued the card to the present, I always paid my bill early and didn't carry a balance.? I don't see how that was a risk for them. ?

Member ratings

All member reviews (303)

Will close account without warning

Credit Karma Member

I applied for my card years ago when my credit was very poor, and I was approved for a card. In the meantime I was paying off that's for my other credit cards and working on my credit score, and currently on the highest that I've been in about 5 years... About a week or so ago and was on closed my account poor the crummy customer service agent, and he would not tell me why they closed my account, that I received a notice in the mail however I never received any notification in the mail. My account is now closed right before the holidays, and they will not approve me for a new card as I am apparently high risk according to the crummy customer service agent. I don't understand what this means as when I originally applied for the card I was in the 400s with a credit score and currently in the 600s which is what you need in order to be approved for a card... So if you your credit score is a roller coaster, be prepared to have your account canceled without notification

Beware !

Credit Karma Member

I had a late charge on my statement because I didn’t make a payment the month before..I was so angry because the month before I had made two $ 200. Payments.One was two days before the next month was due…Both payments were at least $100. over the minimum payment ..but because I didn’t make one for the following month I was charged a late charge. When I called customer service I was told I had to make a payment every month regardless of how much you paid the month before . I had no idea .I guess it’s all about them having their interest paid..I’m not using this card ever again !

NON-EXISTANT CUSTOMER SERVICE

Credit Karma Member

I'm a terrible person because i shop a lot of amazon. This card is great as long as you keep it paid off and buy a lot of amazon. However it all goes to crap once you need help. My card got shut down for a fraudlent charge - good catch by chase! Was happy about that. Not happy that I'm now on DAY THREE of trying to get a hold of ANYONE who can handle this absolutely trivial correction, but no. What you are FORCED to do is wait in line, for NINTEY MINUTES then they dump you with a smile. "try back later". Three frickn days of this. I can't even get anyone to just cancel my card. DO NOT GET THIS CARD.

Useless Card High Interest

Credit Karma Member

After 2 years of requesting, they finally upped my credit limit above $200.... I make close to 6 figures, no missed payments...ever...under 10% debt to income ratio. Then they TOOK IT BACK after I made a couple of purchases. What an insult to have your credit limit reduced out of the blue when you've done nothing wrong or different. They are now paid in full and won't be profiting from me again. It wasn't even 70% of the limit used before they did this and dropped my credit score over 30 points. Amazon lost a Prime member too.

Perfect for a huge Amazon shopper

Credit Karma Member

I have had this card for years and I love it. I earn 5% rewards on purchases and have gotten a lot of free items. I love the 6 month interest free option and I use it all the time. I do have a high limit and I pay off any balance that is not promotional each month. If you don't pay off your cards each month this is probably not a great card for you. The interest rate is too high.

Everything about the card is misleading

Credit Karma Member

Don’t waste your time with the Amazon store card if you’re actually looking to do payment plans, the bank that issues the card will either give a small line of credit or outright deny the transaction you got the card for, I specifically got this card to do the 6 month payment play for a $530 skee ball machine but was declined, when contacting Amazon they were basically helpless and on the 3rd time contacting them about the issue they told me I would have to reach out to the bank regarding an AMAZON CARD, that’s not to mention the fact it is a hard inquiry on your credit and will negatively affect it.

Statement are imposible!!

Credit Karma Member

There is always a problem with the installments and their statements are impossible to understand . Prepare to spend a lot of time on the phone trying to fix problems !!

its the terrible experience

Credit Karma Member

they charge security fee every month and they don't say anything

Stupidest reasoning ever had to listen!!

Credit Karma Member

This card is good till you don't get cancelled by this credit card company for some unknown stupid reason! I have a 100% payment history with them with a credit line of 1,500 and I am a customer from last 2 years...I have a 30% credit balance with them. Recently, mistakenly I tried to make a payment from an account I didn't have money. When I found out my mistake, I cancelled the previous payment and paid with my correct account information. After 10 days, I got notification that my card got cancelled, though I have a 100% payment history!!! Way to go!!!! They are saying that, I did this type of mistake twice in last my account history, so they closed it. Just a question to amazon, I always loved doing business with you, but is this the way you are treating your loyal customer? Just for newcomers and existing card holders, be ready to get your card cancelled for stupid reasons you even can't imagine!

Account closed for seemingly no reason.

Credit Karma Member

I've had this card now for 7 months. I went to order something and it's saying account closed. I've never once had a missed or late payment. What's worse is all my 5% cash back rewards are gone too! That's just wrong. I called them and asked why it was closed and they told me, "sorry I don't have that information. It happens sometimes." What the heck!?

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Источник: https://www.creditkarma.com/reviews/credit-card/single/id/amazoncom-store-card

Amazon Payments Being Declined? What You Can Do Now

Whether you’re in a store or buying online, having a payment declined when you’re shopping can come as a nasty shock. If you’re using Amazon, you may get a message asking you to “revise your payment method” when you place an order, which is telling you there’s something not right with the card you currently have linked to your account.

If you have a payment declined while shopping on Amazon, here are a few steps to follow to troubleshoot the problem:

  • Check you’ve entered all payment details correctly. If you’re entering your card details rather than using one saved on your account, it’s easy to get a digit wrong when you’re entering card numbers and so on.
  • Check the expiry date on your credit or debit card. If that date has passed, your card is no longer valid and will be declined. Contact your bank if you’ve not yet been sent a new one.
  • Check the billing address and phone number on your Amazon account match those associated with your card. Your bank will refuse to authorise payment if you don’t use the same address and phone number you have registered with them.
  • Check your credit limit. Depending on how you have your accounts set up, your credit card issuer or bank may apply an automatic block if you go over your credit or overdraft limit. This is a good thing, as it stops them charging you penalty fees for going over. Some accounts may also have a daily spending limit applied.
  • Try again using a different card.

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If none of the above solves the issue, or if you want to discuss extending your credit limit or account allowance so you can make the purchase, contact your bank. They’ll be able to explain exactly why a payment has been refused. If the purchase is particularly high value, it may be that your bank has flagged it as suspicious because it falls out of your usual spending range, and you need to authorise it with them.

One final point to remember - don’t worry about losing your money even if it seems that your order has been processed, only for notification that payment has been declined to come later. Amazon only takes payment when an order is shipped, not when an order is put through.

Find out more about resolving declined payments with Amazon here.

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Andrew Freelander

Written by

Andrew Freelander

Brand & Content Manager at Choose Wisely

Andrew joined Choose Wisely 5 years ago, originally working in a design capacity to make sure the website was simple to use. Most notably he worked with the Consumer Finance Association to design the comparison table of choice for High-Cost Short Term Finance products.

Источник: https://www.choosewisely.co.uk/guides/amazon-payments-being-declined-what-you-can-do-now

Related Videos

Amazon Credit Card Review 2021 [Prime \u0026 Rewards]

How to Send a Payment to Someone Online Using a Credit Card

Exchanging money has become simple in the digital world with companies like Paypal, Amazon and Square offering what is amazon digital charge on my credit card from your computer or mobile device. These three allow the sender to make a payment to someone using a credit card, while others like Google Wallet don't yet allow a credit card provision. In order to complete the transaction, both the recipient and sender need to have an account with the respective company.

PayPal Send Money

PayPal is a leader in online money transfers and transaction payments. Both parties need a PayPal account. To send the money, obtain the email address from the recipient; confirm the email corresponds to the PayPal address. Log in to PayPal and select the "Send Money" option.

The next prompt asks if you are paying for goods or services or sending money to friends and family. Select the appropriate option and enter the email address of the recipient in the provided box and the amount you want to send. To ensure you are using the correct payment option, click on "Change Payment Method." If the credit card you want to use what is amazon digital charge on my credit card listed, add it.

Confirm the details and send the money. You should receive a confirmation email from your PayPal account.

Fees Charged by PayPal

Payments to vendors carry a fee of 2.9 percent plus $0.30 per transaction. So for a $1,000 payment, PayPal collects $29.30. You have the option to pay this for the transaction or the recipient receives the funds less the amount. Friends and family transactions don't carry a charge.

Amazon Payments Program

Amazon Payments has a similar program what is amazon digital charge on my credit card PayPal. Accounts are linked to bank accounts or credit or debit cards. As with all online cash payment systems, the first time you register an account, you must confirm the account before you can proceed. Ask the recipient for their Amazon "Recipient Name" and enter it into the box.

Confirm you have the correct person to send money to. Even though you are sending cash, don't select "cash advance," instead choose "goods and services," otherwise your credit card company charges you for a cash advance.

Fees Charged by Amazon 

Amazon provides free transactions for payments up to $1,000 per month. This means you can send one payment of $1,000 or four of $250 without paying a fee. Anything over this amount is charged the same way PayPal does – at 2.9 percent plus $0.30 per transaction.

Square Cash Service

Square started as a mobile merchant but has evolved into a streamlined mobile money transfer service for consumers. The app is available on Apple and Android phones. After you download the app, link your credit card to the app account. With the phone number of the recipient, you can make a payment by simply tapping the "Pay" button. Enter an amount over $1 and then send. There is a three percent fee to use a credit card when making payments.

References

Writer Bio

With more than 15 years of small business ownership including owning a State Farm agency in Southern California, Kimberlee understands the needs of business owners first hand. When not writing, Kimberlee enjoys chasing waterfalls with her son in Hawaii.

Источник: https://smallbusiness.chron.com/send-payment-someone-online-using-credit-card-56183.html

Amazon.com Store Card

Overall card rating

3.0

from Credit Karma members

Most helpful positive review

Convenient, great signup promo!

Credit Karma Member

Being a Prime member, I have been interested in adding this Store Card to my account since I do the majority of my online shopping at Amazon.? I was just approved for a $2100 CL with scores of EQ: 673 TU: 685 and EX 677.? No open collections or unsatisfied judgments.? A total of 12 late payments from 2 student loans from 2013 still appear on my reports.? My current credit utilization is around 5%.? The only report they pulled for the account was TransUnion (same as in April, 2015).? I had applied for this card in April 2015 what is amazon digital charge on my credit card was declined at the time (scores across the 3 bureaus were in the mid 500s, with open collections and 2 judgments).? Hope this helps someone.

Most helpful negative review

They closed my account!

Credit Karma Member

I am very disgusted with Amazon right now. I went to place mb financial bank atm near me order and my card was declined. I figured that I might had entered the number incorrectly so after doing it a couple of times it still didn't go through. I logged into my account to see what was going on and to my surprise MY ACCOUNT WAS CLOSED! :( I've had the card for almost a year with no issues, no problems, no late payments, or anything else. When I called them to find out what happened, they informed me that after reviewing my credit report, they determined that it was in their best interest to close the account. Now that I've been getting my old debts resolved I guess I'm starting to appear on everyone's "radar" and I'm getting dinged on a regular basis. No problem. I understand that. But I yankee candle home for the holidays very annoyed because I haven't had any slip-ups in the last 5 years. From the time I was issued the card to the present, I always paid my bill early and didn't carry a balance.? I don't see how that was a risk for them. ?

Member ratings

All member reviews (303)

Will close account without warning

Credit Karma Member

I applied for my card years ago when my credit was very poor, and I was approved for a card. In the meantime I was paying off that's for my other credit cards and working on my credit score, and currently on the highest that I've been in about 5 years. About a week or so ago and was on closed my account poor the crummy customer service agent, and he would not tell me why they closed my account, that I received a notice in the mail however I never received any notification in the mail. My account is now closed right before the holidays, and they will not approve me for a new card as I am apparently high risk according to the crummy customer service agent. I don't understand what this means as when I originally applied for the card I was in the 400s with a credit score and currently in the 600s which is what you need in order to be approved for a card. So if you your credit score is a roller coaster, be prepared to have your account canceled without notification

Beware !

Credit Karma Member

I had a late charge on my statement because I didn’t make a payment the month before.I was so angry because the month before I had made two $ 200. Payments.One was two days before the what is amazon digital charge on my credit card month was due…Both payments were at least $100. over the minimum payment .but because I didn’t make one for the following month I was charged a late charge. When I called customer service I the best credit union banks near me told I had to make a payment every month regardless of how much you paid walmart open 24 hours month before. I had no idea .I guess it’s all about them having their interest paid.I’m not using this card ever again !

NON-EXISTANT CUSTOMER SERVICE

Credit Karma Member

I'm a terrible person because i shop a lot of amazon. This card is great as long as you keep it paid off and buy a lot of amazon. However it all goes to crap once what is amazon digital charge on my credit card need help. My card got shut down for a fraudlent charge - good catch by chase! Was happy about that. Not happy that I'm now on DAY THREE of trying to get a hold of ANYONE who can handle this absolutely trivial correction, but no. What you are FORCED to do is wait in line, for NINTEY MINUTES then they dump you with a smile. "try back later". Three frickn days of this. I can't even get anyone to just cancel my card. DO NOT GET THIS CARD.

Useless Card High Interest

Credit Karma Member

After 2 years of requesting, they finally upped my credit limit above $200. I make close to 6 figures, no missed payments.ever.under 10% debt to income ratio. Then they TOOK IT BACK after I made a couple of purchases. What an insult to have your credit limit reduced out of the blue when you've done nothing wrong or different. They are now paid in full and won't be profiting from me again. It wasn't even 70% of the limit used before they did this and dropped my credit score over 30 points. Amazon lost a Prime member too.

Perfect for a huge Amazon shopper

Credit Karma Member

I have had this card for years and I love it. I earn 5% rewards on purchases and have gotten a lot of free items. I love the 6 month interest free option and I use it all the time. I do have a high limit and I pay off any balance that is not promotional each month. If you don't pay off your cards each month this is probably not a great card for you. The interest rate is too high.

Everything about the card is misleading

Credit Karma Member

Don’t waste your time with the Amazon store card if you’re actually looking to do payment plans, the bank that issues the card will either give a small line of credit or outright deny the transaction you got the card for, I specifically got this card to do the 6 month payment play for a $530 skee ball machine but was declined, when contacting Amazon they were basically helpless aaa bank of america mastercard login on the 3rd time contacting them about the issue they told me I would have to reach out to the bank regarding an AMAZON CARD, that’s not to mention the fact it is a hard inquiry on your credit and will negatively affect it.

Statement are imposible!!

Credit Karma Member

There is always a problem with the installments and their statements are impossible to understand. Prepare to spend a lot of time on the phone trying to fix problems !!

its the terrible experience

Credit Karma Member

they charge security fee every month and they don't say anything

Stupidest reasoning ever had to listen!!

Credit Karma Member

This card is good till you don't get cancelled by this credit card company for some unknown stupid bangor mall new years day hours I have a 100% payment history with them with a credit line of 1,500 and I am a customer from last 2 years.I have a 30% credit balance with them. Recently, mistakenly I tried to make a payment from an account I didn't have money. When I found out my mistake, I cancelled the previous payment and paid with my correct account information. After 10 days, I got notification that my card got cancelled, though I best food places to eat in nyc a 100% payment history!!! Way to go!!!! They are saying that, I did this type of mistake twice in last my account history, so they closed it. Just a question to amazon, I always loved doing business with you, but is this the way you are treating your loyal customer? Just for newcomers and existing card holders, be ready to get your card cancelled for stupid reasons you even can't imagine!

Account closed for seemingly no reason.

Credit Karma Member

I've had this card now for 7 months. I went to order something and it's saying account closed. I've never once had a missed or late payment. What's worse is all my 5% cash back rewards are gone too! That's just wrong. I called them and asked why it was closed and they told me, "sorry I don't have that information. It happens sometimes." What the heck!?

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Источник: https://www.creditkarma.com/reviews/credit-card/single/id/amazoncom-store-card

What You Need to Know About Amazon BNPL

Amazon has become synonymous with online shopping, and as it’s grown, the company has expanded its offerings into financial products that help you pay for what you buy on the platform. Over the years, it’s offered promotional financing through its credit cards, but now eligible Amazon shoppers can make five monthly payments over four months on eligible products.

This buy-now-pay-later (BNPL) service works similarly to the payment plans offered by Affirm and PayPal Pay in 4, in that you break up a purchase into separate payments. The service charges no interest, though you may be charged interest on the credit card you link to the service if you don’t pay off your balance every month. Learn how Amazon’s BNPL program works, and what fees and restrictions you can expect.

How Does Amazon BNPL Work?

The Amazon BNPL program allows shoppers to split a purchase into five payments. You'll make the first payment when the item ships, then four additional payments over the next four months using a credit card linked to your Amazon account.

This is a departure from many popular BNPL services, which require four payments over a six-week period. Amazon BNPL payments are typically equal, but the final payment may be smaller if the purchase amount isn't equally divisible by five.

The program is different from the promotional financing options you can get through one of the Amazon store cards or co-branded Visa cards through Chase. Those options include repayment plans that range from six to 24 months, depending on the card. They also differ from the BNPL service in that they have purchase minimums and may charge interest, depending on the finance plan.

You can use Amazon’s BNPL 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. 

Is There a Minimum Purchase Size When Using Amazon BNPL? 

There's no minimum purchase amount to take advantage of Amazon's BNPL service. 

However, the service is limited to qualifying new products sold and shipped by Amazon, as well as qualifying or new certified refurbished Amazon devices sold and shipped by the retailer's digital services arm.  

Is There a Maximum Purchase Size When Using Amazon BNPL?

Amazon also doesn't list a maximum purchase amount, instead focusing on offering BNPL for certain items. 

Do Products Bought with Amazon BNPL Ship After First Payment?

Yes. You'll make your first payment on the date the product ships. This sets Amazon’s BNPL and other BNPL services apart from layaway programs that give you the product only after you’ve independent farmers bank online banking it off through a series of payments over time.

Can I Use Amazon BNPL To Pay Bills?

No, Amazon's BNPL service is only available on qualifying Amazon purchases. You can't use what is amazon digital charge on my credit card feature with other retailers or to pay your monthly bills like rent, utilities, and wireless phone service.

Is There a Credit Limit?

Unlike other BNPL services, Amazon doesn't provide a credit limit because it doesn’t offer a credit line. It's simply another payment method the retailer offers to make paying off certain items more manageable.

Does Amazon BNPL Affect Your Credit Score?

No, the who is the largest bank in the world doesn't impact your credit score in any way, which can happen with other BNPL apps. However, your payment activity on the credit card linked to the service can affect your credit score. 

Does Amazon BNPL Check Credit?

While other BNPL services require a soft or hard credit check when you apply, Amazon doesn't use your credit report to determine your eligibility. As such, applying for BNPL won't hurt your credit score.

Does Amazon BNPL Report Your Activity to Credit Bureaus?

Amazon doesn't report your BNPL payments to the credit bureaus. But the credit card you have connected to the service almost certainly does. So, while using the Amazon service itself won’t necessarily build or hurt your credit, you can still help your credit by paying your linked credit card on time, or hurt your credit by not paying it on time. While this means you can't use the program to build your credit history, it also means late payments won't damage your credit score.

What Credit Score Do You Need To Use Amazon BNPL?

There's no minimum credit score requirement because Amazon doesn't run a credit check when you choose monthly payments as your payment method.

Instead, the retailer uses four main eligibility criteria:

  • You must reside in the U.S.
  • Your Amazon account was active in the past year.
  • You need a valid credit card linked to your Amazon account—debit cards are not accepted for this program.
  • You need to have a good payment history with the retailer.

Amazon may also consider other factors, such as your transaction history and the nature and price of the qualifying item.

Certain Capital One credit cards can’t be used with the program.

Does Amazon BNPL Charge Interest?

Amazon doesn't charge interest when you use its BNPL service. Of course, you can prepay your next installment or pay off the entire balance before it's due. 

Because there's no interest involved, the only benefit of paying off your balance early is to not have to keep track of upcoming payments, especially if you're using the program for multiple purchases at a time.

Does Amazon BNPL Charge Fees?

No, Amazon doesn't charge fees to use its BNPL program. 

Is Amazon BNPL Safe?

Another way Amazon’s BNPL program differs from other BNPL services is that you're not involving a retailer and a lender—you go directly through Amazon. When you set up monthly installments, the process is just as safe as making regular payments through your Amazon account.

But while payment security is strong, using BNPLmultiple times could make it difficult to keep up with all of your payments. Also, because you don't have to pay in-full upfront, it could encourage overspending, which can hurt your financial well-being. 

Finally, because Amazon only allows you to use the program with a credit card, you'll also have to make sure you pay your credit card bill to avoid interest charges and late fees. If you miss a payment or rack up a high balance on your card, it could hurt your credit.

Amazon BNPL Retailers

Amazon's BNPL program only works on qualifying purchases made with Amazon, whereas. other BNPL services partner with thousands of retailers.

How To Use Amazon BNPL Online

If monthly payments are an option for a specific item you're purchasing, you'll see it on the product details page. Select it when you add the item to your cart, once it's in your cart, or at checkout. 

When you check out, your initial payment will include not only one-fifth of the purchase amount but also the full applicable taxes and shipping fees. Amazon won’t actually charge your card until the item ships. 

Subsequent payments will occur every 30 days from the shipment date until you've paid in full.

How Do Returns Work When Using Amazon BNPL?

If you need to return an item you've purchased through the BNPL program, you'll receive a refund for the purchase amount minus your remaining BNPL balance.

How Do I Pay Amazon BNPL?

Amazon charges your installment payments to a linked credit card of your choosing. You can't use other payment methods like debit cards, prepaid debit cards, or PayPal.

What Happens If I Don’t Pay Amazon BNPL?

With other BNPL apps, missing payments could impact your credit score. With Amazon, you don't have to worry about that. 

However, the retailer may pursue all available options to collect what you owe if you stop making payments. That may include suspending or closing your Amazon account, sending your account to collections, and reporting your account to credit bureaus. If you own Amazon devices, the retailer may deregister them and block your ability to access Amazon content and services through the device. 

Источник: https://www.thebalance.com/what-you-need-to-know-about-amazon-buy-now-pay-later-5185538

What do I do if I’ve spotted a payment transaction I don’t recognise?



The name that appears on your statement

Their trading name or company name (if different) and service they provide118118 BeautyA beauty club subscription service providing discounts on treatments.121money.comA credit broker providing an online membership programme.247 MoneyboxA lender providing cash advances for short-term money needs.A2Z LoansAn online loan broker that charges a fee for finding loans for their customers.Adrian Flux InsuranceA specialist motor vehicle insurance provider.AlcudaBillThey process billing for various online dating services.All About PrizesAn online membership programme that enters members into competitions for a monthly fee.AllpayThey provide a payment service for public and private sector organisations, including various councils and housing associations.Amazon PrimeAmazon – this is their subscription service for faster delivery of their products.ArcadiaGroup name of UK’s largest fashion retailer – brands include Burton, Dorothy Perkins, Evans, Miss Selfridge, TopMan/TopShop, Wallis, BHS and OutfitAriste Holding LtdCash Genie – a payday lender.Ask ZiingaA penny auction website that charges for membership after a free trial.AVG Internet SecurityAVG Technologies – they provide anti-virus and internet safety software.B365 InternetBet365 – an online gambling company.BadooA dating-focused social networking site that charges for premium features.BFL (Paysafe)Big Fat Lotto – an online lottery syndicate.Big Savings ClubAn online discount membership scheme that charges annual fees after a free preview trial.CapitaThey provide business process outsourcing, responsible for payment services for TV Licence.Cash LocatorAn online loan referral service that may charge you an application fee for searching lenders.Cash 4 U NowA payday lender.Castle Finance DirectA loan application website that charges for referring you to lenders.CHBChild BenefitChequelessThe Money Shop – a payday lender.Completesave.co.ukComplete Savings UK – an online savings programme where you’re charged a monthly membership fee after a free trial.Credit CleanerThey provide online access to your credit report where you’re charged a monthly free after a free trial.Creditconfidential.comAn online service that gives you access to your credit report. You’ll be charged a monthly fee after a free trial.Credit ExpertExperian – one of the UK’s leading credit reporting companies.Domestic & GeneralThey provide warranties for domestic appliances, boilers and electronic products.EETelecommunications company for EE, Orange and T-Mobile brands.Epoch.comThey provide billing services to online merchants, including adult entertainment websites. Equifax LtdThey are one of the UK’s leading credit reporting companies.
Источник: https://www.barclays.co.uk/help/payments/payment-information/unrecognised-transaction-bmb/

iPhone Screenshots

Description

Now there’s a simple, convenient way to manage your Amazon Store Card or Amazon Secured Card, issued by Synchrony Bank. With the Amazon Store Card app, you can access your billing statements and credit account details, pay your bill, shop with points and view your digital card for easy access to your account number.

Easy set-up and log in

Login and access your account securely and easily with TouchID or FaceID

View purchase details by navigating to the activity page and tapping into the transaction

Version 4.7.12

Thank you for using the Amazon Store Card app! We’re continuously making improvements to give you the best experience. As part of this release, we are adding the capability to view your billing statements, edit your cardholder profile, and setup spending alerts.

Ratings and Reviews

4.7 out of 5

66.6K Ratings

Convenient but not perfect

This app is very responsive. One improvement that I would like to see added is what other credit card apps can do, such as American Express and CapitalONE when you make a payment, your available spending credit gets adjusted instantly! This is really helpful when you want to buy something in the moment which exceeds your available balance, so you can pay the difference and order the item without waiting a couple days, in which time you may even lose the item (out of stock for example). If you add this capability to this app, then this app will be worth 10 STARS!!!

Works Great but isn’t perfect

It’s definitely not as nuanced as a bank credit card app, but as far as an app where you pay your bills is concerned it works just fine. MILES easier than the website used to be. Makes it easy to pay on time (or in my case way before time) with a click of a button. Even allows you to link t mobile account number on app your bank’s app (probably depends on which bank you’re affiliated with actually) and this one so you can even pay through your bank instead of with this. This lets you set up recurring/automatic payments and that’s really nice. I won’t dock it a star because it may be user error and it’s not worth the deduction anyway but I wish the app would let me make a payment sooner than it does. It recognizes that I have activity and yet the make a payment button is greyed out. It’s usually only for a day or two but that’s a long enough time to forget.

The whole operation is bogus

I don't think I've ever had a worse banking experience. I tried several times to make a payment, but for one reason or another it wouldn't go through. I don't know if the problem arose from Synchrony, my bank, or me myself, but the real frustration began and continued when I tried to get support. There seems to be no way in the app to contact support except by phone, and we all know what that means. Sometimes the person on the other end was very difficult to understand (combination of British pronunciation on top of hdfc bank personal loan eligibility for salary account holder Asian accent), or they were of no help. Most frustrating was that there was no way for them to communicate whether or not a payment had gone through before a notice was sent of late fees charged. Also there what is amazon digital charge on my credit card to be no way to close the account after I sent a check by mail and requested it to be closed. So I will forever be receiving notices of my $0.31 credit which is apparently not available. I just hope no one is able to hack into my account and create more problems.

The developer, Synchrony Financial, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and tiny homes for sale san antonio to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Identifiers
  • Usage Data

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Information

Seller
Synchrony Financial

Size
22 MB

Category
Finance

Compatibility
what is amazon digital charge on my credit card iPhone
Requires iOS 11.2 or later.
iPod touch
Requires iOS 11.2 or later.

Age Rating
4+

Copyright
© 2019 Synchrony

Price
Free

Supports

  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

More By This Developer

You Might Also Like

Источник: https://apps.apple.com/us/app/amazon-store-card/id1435385560

Amazon to stop accepting UK-issued Visa credit cards

Amazon has told customers that it plans to stop accepting payments made with UK-issued Visa credit cards in January.

In an email to users of the site, it blamed the cost of processing the payments, telling them: “Starting 19 January 2022, we will unfortunately north dallas food bank donation longer accept Visa credit cards issued state trailer supply west valley city utah the UK, due to the high fees Visa charges for processing credit card transactions.”

The retailer said it would continue to accept Visa debit cards and other credit cards, including Mastercard, which supplies the retailer’s branded credit card, and American Express but acknowledged that the change would be “inconvenient” for some customers.

Payments on cards attract a range of fees including interchange fees and other transaction charges, and it is understood that Amazon’s move has not been prompted by an increase in any of the charges in particular.

In a statement, a spokesperson for the retailer said: “The cost of accepting card payments continues to be an obstacle for businesses striving to provide the best prices for customers. These costs should be going down over time, with technological advancements, but, instead, they continue to stay high or even rise.

“As a result of Visa’s continued high cost of payments, we regret that Amazon.co.uk will no longer accept UK-issued Visa credit cards as of 19 January 2022.”

Interchange fees are typically a percentage of the cost of the transaction and are higher for credit card transactions, and for those where purchases are made remotely, including online sales, although there are caps on payments made within the UK.

In a statement, Visa said it was “very disappointed that Amazon is threatening to restrict consumer choice in the future”.

It said: “When consumer choice is limited, td bank drive thru hours marlton nj wins. We have a longstanding relationship with Amazon, and we continue to work toward a resolution, so our cardholders can use their preferred Visa credit cards at Amazon UK without Amazon-imposed restrictions come January 2022.”

It added that UK shoppers could continue to use their cards at Amazon “throughout the holiday season”.

Many shoppers choose to use credit cards for large purchases online because of the extra protections that are offered if things go wrong.

Under section 75 of the Consumer Credit Act, if a retailer goes out of business or fails to deliver goods as promised and the items cost more than £100, the credit card provider has an obligation to refund the costs.

James Andrews, from the comparison website money.co.uk, said the decision would come as a blow to the millions of UK shoppers who had Visa credit cards, including customers of Barclaycard and HSBC.

“With American Express also rejected by many UK retailers, that means people looking for rewards on their spending or trying to split the cost of shopping with a 0% purchase card on Amazon will be effectively forced to choose a Mastercard,” he said.

“Hopefully, Visa and Amazon work out their differences before the ban comes into force on 19 January but in the meantime it would be wise to check your cards now.”

Card fees have long been an issue of contention between providers and retailers, and this month Visa and Mastercard increased their quoted fees for “card-not-present” payments on credit cards to merchants in the EU after the removal of caps post-Brexit.

The British Retail Consortium said companies faced an estimated £150m increase in the cost of accepting cross-border card payments, with British retailers shouldering an extra £36.5m in fees, equivalent to £100,000 every day.

The Federation of Small Businesses said its members had experienced soaring fees in recent years.

Its national chairman, Mike Cherry, said: “Small businesses are almost always charged more for card terminals than big corporates – so when online giants start throwing down the gauntlet, you know the situation is becoming critical.”

Visa’s shares were down 3.3% in pre-market trading in the US.

Источник: https://www.theguardian.com/technology/2021/nov/17/amazon-to-stop-accepting-uk-issued-visa-credit-cards
 Photo Credit: Getty

New Delhi: SBI credit card in its email to its customers has informed that processing fees of Rs 99 plus taxes will be levied on all EMI purchase transactions with effect from Dec 1, 2021.

The company will charge the processing fees for all EMI transactions done at retail outlets and e-commerce websites such as Amazon and Flipkart. These charges are over and above the interest charges for converting the purchase into EMIs. The company informed its customers about the new charge by email.

This is likely to hit the burgeoning purchases being made by cardholders using EMI payment options offered by merchant websites such as ‘Buy Now Pay Later’( BNPL) etc. It may make BNPL purchases using SBI credit cards more expensive.

The credit card company, in an email sent to customers today, has said: Dear Cardholder, We would like to inform you that with effect from 01 Dec 2021, Processing Fee of Rs. 99 + applicable taxes will be levied on all Merchant EMI transactions done at Merchant outlet/website/app. We thank you for your continued patronage. Please click here to know more about Merchant EMI Processing Fee.

The processing charges apply to transactions successfully converted into EMIs.  Any transaction  done before December 1, with the EMI booking occurring after December 1, will be exempted from this processing fee. The company will intimate the applicability of the processing fees on EMI transactions to cardholders via charge slips while shopping at retail outlets. For online EMI transactions, it will intimate processing charges on the payment page. The processing fees will be reversed in case the EMI transaction gets canceled. However, the same will not be reversed in the case of pre-closure. Reward points will not apply for transactions converted into merchant EMIs.

How does this work?

Assume you buy some consumer electronics using SBI credit card from one of the e-commerce websites under its EMI scheme. Then SBICPSL charges you Rs 99 as processing fees plus applicable taxes. This will be reflected in your monthly credit card statement along with the EMI amount.

With processing fees being introduced on credit cards for converting the transactions into instalments, ‘Buy Now, Pay Later’ schemes may be affected as they will become expensive.

Источник: https://www.timesnownews.com/business-economy/personal-finance/article/sbi-credit-card-to-charge-rs-99-for-emi-purchases-starting-dec/835833

What is amazon digital charge on my credit card -

iPhone Screenshots

Description

Now there’s a simple, convenient way to manage your Amazon Store Card or Amazon Secured Card, issued by Synchrony Bank. With the Amazon Store Card app, you can access your billing statements and credit account details, pay your bill, shop with points and view your digital card for easy access to your account number.

Easy set-up and log in

Login and access your account securely and easily with TouchID or FaceID

View purchase details by navigating to the activity page and tapping into the transaction

Version 4.7.12

Thank you for using the Amazon Store Card app! We’re continuously making improvements to give you the best experience. As part of this release, we are adding the capability to view your billing statements, edit your cardholder profile, and setup spending alerts.

Ratings and Reviews

4.7 out of 5

66.6K Ratings

Convenient but not perfect

This app is very responsive. One improvement that I would like to see added is what other credit card apps can do, such as American Express and CapitalONE when you make a payment, your available spending credit gets adjusted instantly! This is really helpful when you want to buy something in the moment which exceeds your available balance, so you can pay the difference and order the item without waiting a couple days, in which time you may even lose the item (out of stock for example). If you add this capability to this app, then this app will be worth 10 STARS!!!

Works Great but isn’t perfect

It’s definitely not as nuanced as a bank credit card app, but as far as an app where you pay your bills is concerned it works just fine. MILES easier than the website used to be. Makes it easy to pay on time (or in my case way before time) with a click of a button. Even allows you to link between your bank’s app (probably depends on which bank you’re affiliated with actually) and this one so you can even pay through your bank instead of with this. This lets you set up recurring/automatic payments and that’s really nice. I won’t dock it a star because it may be user error and it’s not worth the deduction anyway but I wish the app would let me make a payment sooner than it does. It recognizes that I have activity and yet the make a payment button is greyed out. It’s usually only for a day or two but that’s a long enough time to forget.

The whole operation is bogus

I don't think I've ever had a worse banking experience. I tried several times to make a payment, but for one reason or another it wouldn't go through. I don't know if the problem arose from Synchrony, my bank, or me myself, but the real frustration began and continued when I tried to get support. There seems to be no way in the app to contact support except by phone, and we all know what that means. Sometimes the person on the other end was very difficult to understand (combination of British pronunciation on top of an Asian accent), or they were of no help. Most frustrating was that there was no way for them to communicate whether or not a payment had gone through before a notice was sent of late fees charged. Also there seems to be no way to close the account after I sent a check by mail and requested it to be closed. So I will forever be receiving notices of my $0.31 credit which is apparently not available. I just hope no one is able to hack into my account and create more problems.

The developer, Synchrony Financial, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Identifiers
  • Usage Data

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Information

Seller
Synchrony Financial

Size
22 MB

Category
Finance

Compatibility
iPhone
Requires iOS 11.2 or later.
iPod touch
Requires iOS 11.2 or later.

Age Rating
4+

Copyright
© 2019 Synchrony

Price
Free

Supports

  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

More By This Developer

You Might Also Like

Источник: https://apps.apple.com/us/app/amazon-store-card/id1435385560

Amazon to stop accepting UK-issued Visa credit cards

Amazon has told customers that it plans to stop accepting payments made with UK-issued Visa credit cards in January.

In an email to users of the site, it blamed the cost of processing the payments, telling them: “Starting 19 January 2022, we will unfortunately no longer accept Visa credit cards issued in the UK, due to the high fees Visa charges for processing credit card transactions.”

The retailer said it would continue to accept Visa debit cards and other credit cards, including Mastercard, which supplies the retailer’s branded credit card, and American Express but acknowledged that the change would be “inconvenient” for some customers.

Payments on cards attract a range of fees including interchange fees and other transaction charges, and it is understood that Amazon’s move has not been prompted by an increase in any of the charges in particular.

In a statement, a spokesperson for the retailer said: “The cost of accepting card payments continues to be an obstacle for businesses striving to provide the best prices for customers. These costs should be going down over time, with technological advancements, but, instead, they continue to stay high or even rise.

“As a result of Visa’s continued high cost of payments, we regret that Amazon.co.uk will no longer accept UK-issued Visa credit cards as of 19 January 2022.”

Interchange fees are typically a percentage of the cost of the transaction and are higher for credit card transactions, and for those where purchases are made remotely, including online sales, although there are caps on payments made within the UK.

In a statement, Visa said it was “very disappointed that Amazon is threatening to restrict consumer choice in the future”.

It said: “When consumer choice is limited, nobody wins. We have a longstanding relationship with Amazon, and we continue to work toward a resolution, so our cardholders can use their preferred Visa credit cards at Amazon UK without Amazon-imposed restrictions come January 2022.”

It added that UK shoppers could continue to use their cards at Amazon “throughout the holiday season”.

Many shoppers choose to use credit cards for large purchases online because of the extra protections that are offered if things go wrong.

Under section 75 of the Consumer Credit Act, if a retailer goes out of business or fails to deliver goods as promised and the items cost more than £100, the credit card provider has an obligation to refund the costs.

James Andrews, from the comparison website money.co.uk, said the decision would come as a blow to the millions of UK shoppers who had Visa credit cards, including customers of Barclaycard and HSBC.

“With American Express also rejected by many UK retailers, that means people looking for rewards on their spending or trying to split the cost of shopping with a 0% purchase card on Amazon will be effectively forced to choose a Mastercard,” he said.

“Hopefully, Visa and Amazon work out their differences before the ban comes into force on 19 January but in the meantime it would be wise to check your cards now.”

Card fees have long been an issue of contention between providers and retailers, and this month Visa and Mastercard increased their quoted fees for “card-not-present” payments on credit cards to merchants in the EU after the removal of caps post-Brexit.

The British Retail Consortium said companies faced an estimated £150m increase in the cost of accepting cross-border card payments, with British retailers shouldering an extra £36.5m in fees, equivalent to £100,000 every day.

The Federation of Small Businesses said its members had experienced soaring fees in recent years.

Its national chairman, Mike Cherry, said: “Small businesses are almost always charged more for card terminals than big corporates – so when online giants start throwing down the gauntlet, you know the situation is becoming critical.”

Visa’s shares were down 3.3% in pre-market trading in the US.

Источник: https://www.theguardian.com/technology/2021/nov/17/amazon-to-stop-accepting-uk-issued-visa-credit-cards

How to Send a Payment to Someone Online Using a Credit Card

Exchanging money has become simple in the digital world with companies like Paypal, Amazon and Square offering solutions from your computer or mobile device. These three allow the sender to make a payment to someone using a credit card, while others like Google Wallet don't yet allow a credit card provision. In order to complete the transaction, both the recipient and sender need to have an account with the respective company.

PayPal Send Money

PayPal is a leader in online money transfers and transaction payments. Both parties need a PayPal account. To send the money, obtain the email address from the recipient; confirm the email corresponds to the PayPal address. Log in to PayPal and select the "Send Money" option.

The next prompt asks if you are paying for goods or services or sending money to friends and family. Select the appropriate option and enter the email address of the recipient in the provided box and the amount you want to send. To ensure you are using the correct payment option, click on "Change Payment Method." If the credit card you want to use isn't listed, add it.

Confirm the details and send the money. You should receive a confirmation email from your PayPal account.

Fees Charged by PayPal

Payments to vendors carry a fee of 2.9 percent plus $0.30 per transaction. So for a $1,000 payment, PayPal collects $29.30. You have the option to pay this for the transaction or the recipient receives the funds less the amount. Friends and family transactions don't carry a charge.

Amazon Payments Program

Amazon Payments has a similar program to PayPal. Accounts are linked to bank accounts or credit or debit cards. As with all online cash payment systems, the first time you register an account, you must confirm the account before you can proceed. Ask the recipient for their Amazon "Recipient Name" and enter it into the box.

Confirm you have the correct person to send money to. Even though you are sending cash, don't select "cash advance," instead choose "goods and services," otherwise your credit card company charges you for a cash advance.

Fees Charged by Amazon 

Amazon provides free transactions for payments up to $1,000 per month. This means you can send one payment of $1,000 or four of $250 without paying a fee. Anything over this amount is charged the same way PayPal does – at 2.9 percent plus $0.30 per transaction.

Square Cash Service

Square started as a mobile merchant but has evolved into a streamlined mobile money transfer service for consumers. The app is available on Apple and Android phones. After you download the app, link your credit card to the app account. With the phone number of the recipient, you can make a payment by simply tapping the "Pay" button. Enter an amount over $1 and then send. There is a three percent fee to use a credit card when making payments.

References

Writer Bio

With more than 15 years of small business ownership including owning a State Farm agency in Southern California, Kimberlee understands the needs of business owners first hand. When not writing, Kimberlee enjoys chasing waterfalls with her son in Hawaii.

Источник: https://smallbusiness.chron.com/send-payment-someone-online-using-credit-card-56183.html
 Photo Credit: Getty

New Delhi: SBI credit card in its email to its customers has informed that processing fees of Rs 99 plus taxes will be levied on all EMI purchase transactions with effect from Dec 1, 2021.

The company will charge the processing fees for all EMI transactions done at retail outlets and e-commerce websites such as Amazon and Flipkart. These charges are over and above the interest charges for converting the purchase into EMIs. The company informed its customers about the new charge by email.

This is likely to hit the burgeoning purchases being made by cardholders using EMI payment options offered by merchant websites such as ‘Buy Now Pay Later’( BNPL) etc. It may make BNPL purchases using SBI credit cards more expensive.

The credit card company, in an email sent to customers today, has said: Dear Cardholder, We would like to inform you that with effect from 01 Dec 2021, Processing Fee of Rs. 99 + applicable taxes will be levied on all Merchant EMI transactions done at Merchant outlet/website/app. We thank you for your continued patronage. Please click here to know more about Merchant EMI Processing Fee.

The processing charges apply to transactions successfully converted into EMIs.  Any transaction  done before December 1, with the EMI booking occurring after December 1, will be exempted from this processing fee. The company will intimate the applicability of the processing fees on EMI transactions to cardholders via charge slips while shopping at retail outlets. For online EMI transactions, it will intimate processing charges on the payment page. The processing fees will be reversed in case the EMI transaction gets canceled. However, the same will not be reversed in the case of pre-closure. Reward points will not apply for transactions converted into merchant EMIs.

How does this work?

Assume you buy some consumer electronics using SBI credit card from one of the e-commerce websites under its EMI scheme. Then SBICPSL charges you Rs 99 as processing fees plus applicable taxes. This will be reflected in your monthly credit card statement along with the EMI amount.

With processing fees being introduced on credit cards for converting the transactions into instalments, ‘Buy Now, Pay Later’ schemes may be affected as they will become expensive.