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you get a permanently free VISA Card including partner card; converted 3% Cashback for purchases on Amazon; very high ATM limit; emergency and. To get a better idea of how much cashback you could earn (or have missed out on), log in to, navigate to "Account & Lists", and click. The Amazon Prime Rewards card is better than many store credit cards, thanks to its Visa Signature benefits and competitive rewards. amazon credit card germany login

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Amazon partners with Barclaycard Germany to launch purchase financing bmo online banking usa

Barclaycard Germany is announcing a new partnership with Amazon to offer financing for purchases made through above EUR 100.

Amazon customers can choose to pay for their purchases in instalments directly and easily during the checkout process. By setting up the credit line provided through Barclaycard Germany, once in place, customers can set up instalment payments on their future purchases seamlessly without the need to go through further ‘Know your Customer’ ID checks.

Through purchase financing, customers are provided with greater flexibility for their purchases, with financing options available on terms between 3 - 48 months. The higher the value of their shopping cart, the greater the number of financing options available.

After selecting their individual purchase financing plan, customers complete an online credit application through Barclaycard Germany, and receive an immediate response, before they move to the next step in completing their purchase. If a customer needs to return an item and receives a refund, Barclaycard Germany automatically adjusts the purchase financing instalment plan.

Barclaycard Germany is able to provide purchase financing through at a competitive APR of 7.69%. Once approved, via a few simple clicks customers can also use the agreed rolling credit line added to their wallet on future purchases. Customers can also choose to make one-off repayments or pay the balance early in full – all of which they can find and manage directly through their Barclaycard app.

Vassil Gedov, Country Manager, Payment Products, Amazon Deutschland comments: “Every day we strive to improve the offers and options available as part of  their shopping experience. The new purchase financing service offered in collaboration with Barclaycard is the next big step towards this goal.”

Tobias Griess, CEO of Barclaycard Germany what is a trust company could not have wished for a better partner then Amazon for the start of our purchase finance offering. Through this new and customised service, we provide Amazon customers with a fully digital and user-friendly payment-by-instalments option. With this new collaboration, Barclaycard Germany complements its credit card and consumer credit businesses with market financing in Germany.”

Notes to editors

To be eligible to apply for purchase financing, customers must be a resident of Germany and over 18 years of age. The offer is not available for orders containing Amazon Gift Cards, digital products, pre-sale products and out-of-stock products.

About Amazon

Amazon is guided by four principles: customer focus rather than competitor focus, passion for invention, commitment to operational excellence, and long-term thinking. Customer reviews, 1-click shopping, personalised recommendations, Prime, dispatch by Amazon, AWS, Kindle direct publishing, Kindle, Fire tablets, Fire TV, Amazon Echo, and Alexa are some of the products and services pioneered by Amazon. For more information, visit and follow @AmazonNews.

About Barclaycard Germany

Barclaycard has been active in Germany for 29 years and is among the most popular brands for retail payment and financing solutions. In Germany, Barclaycard is the market leader for credit cards with a genuine credit function and the provider of the innovative Buy Now & Pay Later card. Barclaycard in Germany is a branch of Barclays Bank Ireland PLC and with more than 670 employees they serve 1,4 Mio customers. Please find further information here:


After a weekend of Black Friday shopping come yet more deals on Cyber Monday. Here are some of the most interesting offers we spotted on Amazon in the US. While normally we focus on smartphones, tablets and wearables, this time we decided to expand the scope with some extra gadget deals.

If you are interested in phone deals primarily, check out our Deals page, which is updated daily and shows additional info like a price history (including the lowest and highest prices that we've seen recently).


The OnePlus 9 Pro is down to $900 ($169 off) for the 12/256 GB version. The vanilla OnePlus 9 is cheaper at $600 and is probably a better deal than the OnePlus 8T at $500. The 8T does have double the storage (256 GB), but you will lose out on the newer chipset (Snapdragon 888 vs. 865), 50 MP ultra wide camera and wireless charging. The cheapest OnePlus option is, as usual in the US, the Nord N200 at $200 ($40 off).

OnePlus 9 ProOnePlus 9OnePlus 8TOnePlus Nord N200 5G
OnePlus 9 Pro • OnePlus 9 • OnePlus 8T • OnePlus Nord N200 5G

The Galaxy Z Flip3 continues to be Samsung's best selling foldable and you can see what all the fuss is about yourself for $850 (128 GB), $900 if you want to double the storage. The Bespoke edition is exclusive to, it starts at $950 and it comes with a free pair of Galaxy Buds2.

Samsung Galaxy Z Flip3 5G
Samsung Galaxy Z Flip3 5G

Motorola discounts continue into Monday. An unlocked Moto One 5G Ace can get you into the 5G game for $288. For just under $100 more - that is for $384 - you can pick up last year's Motorola Edge, which switches from a Snapdragon 750G to a 765G and gets you double the storage too (256 GB).

This year's Motorola Edge, which went up to the SD 778G and a 108 MP main camera, can be yours for $576 (8/256 GB model, $124 off). Finally, the Motorola Razr 5G price has fallen to $768, though this foldable doesn't have much to offer besides a callback to an iconic design.

Motorola One 5G AceMotorola EdgeMotorola Edge (2021)Motorola Razr 5G
Motorola One 5G Ace • Motorola Edge • Motorola Edge (2021) • Motorola Razr 5G

Those were unlocked phones, here are a few carrier offers. The Moto G Stylus (2021) (128 GB) with a prepaid plan on Total Wireless is $126. A Samsung Galaxy A21 on Simple Mobile can be picked up for $90.

Motorola Moto G Stylus (2021)Samsung Galaxy A21
Motorola Moto G Stylus (2021) • Samsung Galaxy A21

Subscriptions and gift cards

If you already have east boston savings bank east boston hours phone you like, but want to switch carriers, here's a chance to save a few bucks as you jump over to Google Fi. A Simply Unlimited SIM Card Kit with $60 in bill credit (+$30 for new customers) is selling for $42.

Google Fi Simply Unlimited SIM card kit - Amazon US Cyber Monday
Google Fi Simply Unlimited SIM card kit

Gamers can get a $100 gift card for the PlayStation Store for $90.

$100 PlayStation Store gift card - Amazon US Cyber Monday
$100 PlayStation Store gift card


If you are looking for a tablet on the cheap, the Samsung Galaxy A7 Lite (32 GB) is available with a Gray book cover for $130 ($30 off). The Silver cover is out of stock. The tablet currently runs Android 11, but can expect Android 12 in a few months.

Amazon US Cyber Monday

If you have a Galaxy Tab S7 and S7+ you probably know they support styluses. You can now pick up an S Pen at half price - $30.

S Pens for the Galaxy Tab S7/S7+ - Amazon US Cyber MondayS Pens for the Galaxy Tab S7/S7+ - Amazon US Cyber MondayS Pens for the Galaxy Tab S7/S7+ - Amazon US Cyber Monday
S Pens for the Galaxy Tab S7/S7+


We saw various bundles from Samsung for Black Friday, including a smartwatch, headphones and a wireless charger. What if you don't want headphones? Amazon is selling a Galaxy Watch4 with a Wireless Charger Trio, the bundle with a 40 mm watch starts at $200. That's how much the watch costs by itself usually. Getting a 44 mm watch instead puts the price at $230. For $50 more you can pick up a watch with LTE instead of the Bluetooth version, but note that these bundles are in limited supply.

Similar bundles are available with the Galaxy Watch4 Classic, both 42 and 46 mm, with and without LTE. The cheapest option starts at $300.

Amazon US Cyber Monday

You can also find the Galaxy Watch4 and Watch4 Classic starting at $200 and $300, respectively, but if there's stock left, you may as well get a free charger with that.

If you prefer something more rugged, you can have a Garmin Instinct Solar for $250 ($150 off). The watch is water rated to 100m, has a built-in GPS receiver and a small solar panel to prolong its battery life. The Tactical edition of the watch is $300, it adds features like Dual Position Format Display, Night and Stealth modes and Jumpmaster mode.

The more advanced Garmin Fenix 6 Pro is available for $450 ($200 off) or you can splurge for the fenix 6X Sapphire for $600 (also $200 off), which has a sapphire crystal (instead of Gorilla Glass DX) guarding the 1.4" display with transflective mode.

Garmin Instinct Solar - Amazon US Cyber MondayInstinct Solar Tactical - Amazon US Cyber MondayGarmin Fenix 6 Pro - Amazon US Cyber Mondayfenix 6X Sapphire - Amazon US Cyber Monday
Garmin Instinct Solar • Instinct Solar Tactical • Garmin Fenix 6 Pro • fenix 6X Sapphire

if you're not into Garmin, here are a few Fitbit offerings - a Versa 2 for $119, a Charge 5 for $130 or an Inspire 2 for $60.

Fitbit Versa 2 - Amazon US Cyber MondayFitbit Charge 5 - Amazon US Cyber MondayFitbit Inspire 2 - Amazon US Cyber Monday
Fitbit Versa 2 • Fitbit Charge 5 • Fitbit Inspire 2


Besides the watch + charger combos, Amazon has also bundled Galaxy Buds2 with a SmartTag (check out our SmartTag review). This pairing costs $110. Alternatively, you can get the Buds2 and a wireless charger for $150.

In case these bundles are out of stock, you can also grab just the Galaxy Buds2, but they cost the same $110. Instead, you get theGalaxy Buds Live instead for $100 ($70 off MSRP).

Samsung Galaxy Buds2 plus a SmartTag Bluetooth tracker - Amazon US Cyber MondaySamsung Galaxy Buds2 plus a SmartTag Bluetooth tracker - Amazon US Cyber MondaySamsung Galaxy Buds2 plus a SmartTag Bluetooth tracker - Amazon US Cyber Monday
Samsung Galaxy Buds2 plus a SmartTag Bluetooth tracker

The OnePlus Buds Z are down to $40, but they are pretty basic. For more advanced features like active noise cancellation, have a look at the OnePlus Buds Pro, which currently sell for $120.

OnePlus Buds Z - Amazon US Cyber MondayOnePlus Buds Pro - Amazon US Cyber Monday
OnePlus Buds Z • OnePlus Buds Pro


Does your phone have a microSD card? Lucky you, you get to expand its storage easily. With a 128 GB SandDisk Ultra microSD card (UHS-I, A1), for example, for $16 ($9 off). A Nintendo Switch-branded 128 GB card will cost you $21.

The 128 GB Samsung Pro Plus card has a higher rating (A2) and is selling for $23 ($12 off). If you pick up a Samsung Evo Select Plus instead (also UHS-I, A2), that will be $25 for a 256 GB card or $65 for 512 GB.

SanDisk 128 GB microSD card - Amazon US Cyber MondaySwitch-branded - Amazon US Cyber MondaySamsung Pro Plus - Amazon US Cyber Monday512 GB card - Amazon US Cyber Monday
SanDisk 128 GB microSD card • Switch-branded • Samsung Pro Plus • 512 GB card

Samsung's SmartTags don't work with iPhones, so you iOS users (who don't want an AirTag) can pick up a Tile Mate (2022) instead for $20. The Tile Slim (2022) for $28 is a better pick if you want to put it in your wallet.

Tile Mate (2022) tracker - Amazon US Cyber MondayTile Slim (2022) slim tracker - Amazon US Cyber Monday
Tile Mate (2022) tracker • Tile Slim (2022) slim tracker

We mentioned some wireless chargers, here are Belkin's offers. A 10W dual charger goes for $33, a faster single BoostCharge 15W is available for a bit less, $30. The TrueFreedom Pro charging mat can also charge a couple of devices and amazon credit card germany login less strict about the placement, one of these will cost you $50.

Belkin BoostCharge 10W dual charger - Amazon US Cyber MondayBelkin BoostCharge 15W - Amazon US Cyber MondayBelkin TrueFreedom <a href=Best student bank accounts uk 2018 - Amazon US Cyber Monday">
Belkin BoostCharge 10W dual charger • Belkin BoostCharge 15W • Belkin TrueFreedom Pro


How to pay off Amazon purchases over time

If you’ve had your eye on a few big-ticket items from but would rather not cover the full cost upfront, you’re in luck.

Amazon supports a number of different payment plans and flexible payment options, whether you finance a purchase through the site itself, sign up for a co-branded Amazon credit card, use a third-party financing tool to keep interest charges low or take advantage of a 0% introductory APR.

Here’s everything you need to know about paying off Amazon purchases over time and, hopefully, avoiding interest along the way.

See related: Best credit cards for Amazon purchases

Guide to Amazon financing

Does Amazon offer payment plans?

Yes. While the terms are fairly rigid, Amazon offers payment plans on eligible items to qualifying customers. The site also partners with a number of credit card issuers – including Synchrony Bank, Chase and Citi – to offer flexible payment options to cardholders.

Typically, your best bet in terms of both flexibility and cost will be either Amazon’s own Monthly Payments program, 0% promotional financing with an Amazon credit card or a new 0% intro APR credit card.

Amazon Monthly Payments

Monthly Payments is a little-known installment payment tool available on select items for eligible Amazon customers. Billed by Amazon as a way to “Get it now, pay over time,” Monthly Payments allows you to split the cost of an eligible item sold and shipped by Amazon across five months with no interest or finance charges.

With Monthly Payments, the price of your item is divided into five equal installments, with your first payment due when your product ships – that’s 20% of the total price, plus any tax and shipping on the full price of the item. Every 30 days after that for capital one credit card online login next four months, you’re charged the remaining balance in equal installments.

You can only use Monthly Payments for one qualifying product in each product category (such as electronics) or Amazon device family (such as Fire tablets and Kindle e-readers) in your cart at time of checkout, and you can only be enrolled in one monthly payment plan per product category.

Here’s a quick look at how Amazon Monthly Payments work, per Amazon’s terms and conditions:

PaymentDue date
Initial payment (plus taxes and shipping)Date of shipment
First payment30 days after shipping
Second payment60 days after shipping
Third payment90 days after shipping
Fourth payment120 days after shipping

To get started with Amazon Monthly Payments, you’ll first need to check if your account is eligible. You can only use Monthly Payments if your Amazon account has been active for at least one year, you reside in the U.S. and you have a valid credit card tied to your Amazon account and a positive Amazon payment history.

Luckily, no credit check is required to determine your eligibility, so you won’t face the temporary credit score drop that comes from a hard pull of your credit report.

While qualifying for Monthly Payments is relatively straightforward, only certain items are eligible for an installment plan. To see if an item is eligible for financing through Monthly Payments, check for the “5 monthly payments” option on the product listing.

Here’s how to make monthly payments on Amazon, step-by-step:

  1. Enable monthly payments for your account. Once you’ve signed in and verified that your account is eligible for Monthly Payments, you’ll need to enable the feature. Visit the Monthly Payments page and click “Enable monthly payments.”
  2. Find an eligible product and select monthly payments. Products eligible for financing through Monthly Payments feature the text “or 5 monthly payments” below the standard price on the product listing. You can choose between “5 monthly payments” and “One-time payment” before you add an item to your cart.Find an item eligible for Monthly Payments
  3. Pay your first month, plus taxes and shipping. At checkout, your Order Summary lists the total cost of your item, the amount you’ll be charged immediately and the remaining balance, which will be billed in equal installments over the next four months.
    Amazon monthly payment checkout screen order summary
  4. Pay off your remaining balance over the next four months. Every 30 days, your card will be charged an equal portion of the remaining balance.

Amazon credit cards: Equal Pay vs. Special Financing

If your Amazon account or the item you have in mind doesn’t qualify for Monthly Payments, or if you think you’ll need more than five months to pay off your purchase, an Amazon credit card could be a good alternative. Not only do these cards carry exclusive financing offers, but they’ll also help you earn rewards on some of your regular Amazon purchases.

If go the new card route, you’ll choose from either the Amazon Store Card suite issued by Synchrony Bank – which includes the Amazon and Amazon Prime store credit cards, as well as the Amazon Prime Secured Card – or the Amazon Rewards Visa suite issued by Chase, which includes the Amazon Rewards Visa Signature Card* and the Amazon Prime Rewards Visa Signature Card*.

Depending on the card and the size of your purchase, you may be eligible to choose between two main types of financing for Amazon purchases: Equal Pay and Special Financing.

See related: Amazon store cards vs. Amazon Visa credit cards

Amazon Equal Pay financing

Equal Pay is similar to Monthly Payments, but offers much longer payment plans for large purchases – based on the size of your purchase.

This payoff period ranges from six to 24 months on the Amazon store card and from six to 18 months on the Amazon Visa cards. The latter cards also require a lower minimum purchase price to take advantage of a payment plan.

Equal Pay options on Amazon store cards from Synchrony include:

Offer periodMinimum purchase
6 months$150
12 months$600
24 months$800 (select purchases only)

On Chase cards, the following offers apply:

Offer periodMinimum purchase
6 months$150
12 months$250
18 months$500

Like Monthly Payments, Equal Pay allows you to split the cost of your item equally across the offer period. As long as you make your installment payments on time and in full, you won’t be charged any interest or other fees.

Instead of charging installments on a monthly basis, however, Equal Pay charges you for the total purchase amount when your item ships. Your required installment payment is then included as part of your minimum payment due each card statement period. This could get a bit confusing if you’ve used your Amazon credit card for new purchases in addition to an Equal Pay synchrony bank credit card login pc richard, Chase makes it clear what you need to pay to avoid interest on new purchases by listing an “Interest Saving Balance” on your statement. Your Interest Saving Balance includes both the monthly payment due as part of your Equal Pay plan and any non-promotional balances you have. As long as you pay your Interest Saving Balance in full, you’ll avoid interest charges and be on track to pay off your Equal Pay purchase.

For example, if you used Equal Pay to split a $600 purchase across six months and also made $400 in other new purchases during a statement period, you’d have a total balance of $1,000. Your Interest Saving Balance, however, would be just $500 – that’s your $400 in new purchases, plus your $100 installment payment for the month.

Equal Pay Chase Interest Saving Balance

To take advantage of an Equal Pay offer on an Amazon credit card, add items to your cart as you normally would. Then, at checkout, choose your Amazon credit card as your payment method and select the Equal Pay option from the “card options” drop down list.

Amazon Equal Pay checkout

Unfortunately, you must choose between either financing or earning rewards on your Amazon card. If you opt for financing, you’ll miss out on any cash back you’d otherwise earn on Amazon purchases.

Amazon Special Financing

The other financing option on Amazon credit cards is called Special Financing. However, it’s not particularly “special” – it’s just the sort of deferred interest financing offer you’ll find available with many retailers and store credit cards.

With Amazon Special Financing, you get a promotional 0% APR for six to 24 months, depending on the size of your purchase. As long as you pay off your purchase in full by the end of the promotional period, you’ll avoid interest charges. Without set installment payments, how much you pay over the minimum is up to you, though if you pay only the minimum each month, you won’t pay off your balance in time.

Here’s how 0% promotional Special Financing breaks down by purchase size:

Offer periodMinimum purchase
6 months$150
12 months$600
24 months$800 (select purchases only)

Additionally, since Special Financing uses deferred interest, if you have even $1 remaining on your amazon credit card germany login at the end of the promotional period, you’ll be charged interest going back all the way to the original purchase date.

Given the potentially high APR on Chase’s Amazon cards (14.24% to 22.24% variable) and the high APR guaranteed on Synchrony’s Amazon cards (25.99% variable), slipping up on a deferred interest financing offer could end up costing you a ton.

While marketing for Special Financing offers is more prominent on Synchrony’s Amazon cards, you may qualify for Special Financing with a Chase Amazon card as well. As with Equal Pay, simply choose your Amazon credit card as your payment method and select Special Financing from the “card options” drop down list.

Other Amazon financing options

While Amazon Monthly Payments or an Amazon credit card will likely offer the most flexibility, a number of other flexible payment tools may be a better fit for you. Keep in mind, however, that a few of these methods will require you to pay at least some interest.

Tip: Unfortunately, many shoppers have had trouble using popular installment payment services for Amazon purchases. Quadpay is one notable exception, allowing you to shop on Amazon via the Quadpay app. However, only six-week payment plans are available.

Citi Flex Pay

Citi has partnered with Amazon to allow eligible Citi cardholders to finance Amazon purchases using Citi Flex Pay. This feature lets you split the cost of most Amazon purchases of more than $100 into equal monthly payments when you use an eligible Citi card as your payment method at checkout.

While you generally can’t avoid paying some interest with this option, the standard fixed promotional APR is quite low, and you may qualify for much a longer payment plan than you’d find in other financing plans.

Here’s a breakdown of standard Citi Flex Pay Amazon payment plans:

Offer periodMinimum purchasePromotional APR
3 months$1006.74%
6 months$1496.74%
12 months$3006.74%
18 or 24 months$6006.74%
36 or 48 months$1,2008.74%

As with Average american savings 2020 Equal Pay and Special Financing offers, you can opt into Citi Flex Pay financing on a purchase by setting your Citi card as your payment method and selecting the monthly payment plan that works for you. Before you check out, you’ll see your payment plan displayed below your order total.

Tip: As part of Amazon Prime Day, eligible Citi cardholders can also access exclusive 0% intro APR offers on Amazon purchases. You can choose among three equal monthly payments on purchases of $75 or more, 6 equal monthly payments on purchases of $149 or more or 12 equal monthly payments on purchases of $300 or more, all at a 0% promotional APR.

Pay It Plan It

A flexible payment tool available on select American Express credit cards, the “Plan It” portion of the Pay It Plan It program allows eligible cardholders to split purchases of more than $100 into monthly payments with a fixed fee. Payment plans run from three to 24 months and can be used for up to 10 eligible purchases at a time.

To use “Plan It” with an Amazon purchase, simply charge the full cost of the item to your eligible Amex card, then log in to your Amex account and choose the purchase that you want to pay over time. You’ll be offered one to three payment plans and can see how many payments you’ll make, the amount you must pay each month and the required fees.

New 0% intro APR card

A new credit card that offers a 0% introductory APR on purchases will allow you to carry a balance for several months and save on interest on all new purchases.

Two of your best options at the moment are the Blue Cash Preferred® Card from American Express and the Blue Cash Everyday® Card from American Express.

That’s because not only do both cards come with a 0% introductory APR on new purchases (the Blue Cash Everyday offers a 15-month 0% intro APR period, while the Blue Cash Preferred offers a 12-month 0% intro APR period, with both carrying a 13.99% to 23.99% variable APR after that), they also offer rewards on Amazon purchases as part of their welcome bonus.

The Blue Cash Everyday and Blue Cash Preferred cards offer 20% back on purchases for your first six months as a cardholder, with a $150 and $200 cash back cap, respectively.

The Discover it® Cash Back card is another great choice. It comes with a 0% introductory APR on purchases for the first 14 months (11.99% to 22.99% variable APR after that) and the Discover cash back calendar for 2021 lists purchases as eligible for 5% cash back from October through December (upon enrollment, on up to $1,500 in spending, then 1%).

Tip: You can check if you amazon credit card germany login for a new credit card at many issuers’ sites or use a tool like CardMatch™ to search across multiple issuers for prequalified offers that fit your credit profile. Prequalification will help you get a better sense of your odds of approval before you apply.

Bottom line

If you’re looking for payment flexibility as you browse Amazon, you have a ton of options to choose from, many of which will help you avoid interest charges for six months or more.

If you want to avoid opening a new credit card, Amazon Monthly Payments may be your best bet but if you need more time to chip away at the cost of a large purchase, an Amazon co-branded credit card or a new card with a 0% introductory APR on purchases may be worth the temporary credit ding that comes with a new application.

Whichever route you take, be sure you have a payoff plan in place before you check out. You’ll also want to keep a close eye on your balance and payment schedule to ensure you don’t end up drowning in fees or interest charges.

See related: Best credit cards for large purchases

*All information about the Amazon Rewards Visa Signature Card and Amazon Prime Rewards Visa Signature Card has been collected independently by and has not been reviewed or approved by the issuer.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Nouri Zarrugh is a staff editor at, focusing on credit card reviews, product news and recommendations. Also a fiction writer, he won the Keene Prize for Literature and holds an MFA in creative writing from the Michener Center for Writers at the University of Texas at Austin.


Everything You Need To Know About What Amazon Is Doing In Financial Services

From payments and lending to insurance and checking accounts, Amazon is attacking financial services from every angle without even applying to be a conventional bank. Bank of america prepaid debit cards for unemployment this report, we break down how these efforts impact merchants and consumers. We also dive into various initiatives Amazon is pursuing, ranging from cashierless payment terminals to health insurance for sellers.

In 2017, Andreessen Horowitz general partner Alex Rampell said that of all the tech giants that could make a major move in financial services,

“Amazon is the most formidable. If Amazon can get you lower-debt payments or give you a bank account, you’ll buy more stuff on Amazon.”

While the anticipation for Amazon’s plunge into banking builds each year, it’s important to first understand Amazon’s existing strategy in financial services — what Amazon has launched and built, where the company is investing, and what recent products tell us about Amazon’s future ambitions.

Based on our findings, it’s hard to claim that Amazon is building the next-generation bank. But it’s clear that the company remains very focused on building financial services products that support its core strategic goal: increasing participation in the Amazon ecosystem.

As a result, the company has built and launched tools that aim to:

  1. Increase the number of merchants on Amazon, and enable each merchant to sell more.
  2. Increase the number of customers on Amazon, and enable each customer to spend more.
  3. Reduce any buying/selling friction.

In parallel, Amazon has made several fintech investments, mostly focused on international markets (India and Mexico, among others), where partners can help serve Amazon’s core strategic goal.

In aggregate, these product development and investment decisions reveal that Amazon isn’t building a traditional bank that serves everyone. Instead, Amazon has taken the core components of a modern banking experience and tweaked them to suit Amazon customers (both merchants and consumers).

In a sense, Amazon is building a bank for itself — and that may be an even more compelling development than the company launching a deposit-holding bank.

Amazon is unbundling the bank across credit cards, checking accounts, and merchant services

This report is a collection of everything we know about Amazon’s foray into banking, financial services, and fintech. We will be updating this brief on an ongoing amazon credit card germany login as more relevant data, investments, news, and products are released.

Table of Contents:

  1. Amazon’s product strategy

2. Amazon Market strategy outside the US

3. Rumors: What will Amazon do next?
4. Closing thoughts

Product strategy: Amazon takes on financial services

Amazon is notorious for spreading its bets before going all in on a new product, and the financial services space is no exception. Through trial and error, the company has set up key financial pillars across payments, cash deposits, and lending. As we’ll explore below, all are related to Amazon’s broader growth and product strategies.

Amazon Payments

Amazon has aggressively invested in payments infrastructure and services over the last few years. That’s unsurprising, given that the payments experience is so close to Amazon’s core e-commerce business. Making payments more cash-efficient for Amazon and frictionless for customers is a key priority.

What is Amazon Pay: a digital wallet and a payments network

Today, Amazon Pay has evolved to include a digital wallet for customers and a payments network for both online and brick-and-mortar merchants. Since 2019, Amazon has invested in growing Amazon Pay’s marketplace, including forming a partnership with acquiring bank Worldpay.

While Amazon Pay is the company’s latest iteration on payments, Amazon has experimented with payments functionality for over a decade. Below is a timeline of some of the major Amazon Pay milestones:

Amazon Pay has evolved into a digital wallet for customers and a payments network for merchants

Amazon’s first known payments product, Pay with Amazon, launched in 2007. That same year, the company acquired TextPayMe, a peer-to-peer (P2P) mobile service that was re-launched as Amazon Webpay in 2011.

Webpay failed to gain user traction and was shut down in 2014, unlike up-start Venmo (now a part of rival payments processor PayPal). It’s likely that Amazon was too early to P2P payments.

In 2007, the company also invested in Bill Me Later (fka I4 Commerce). Bill Me Later was one of the earliest fintech payment platforms on the market and gave big retailers the ability to offer flexible financing programs. Although Bill Me Later was scooped up by PayPal in 2008, Amazon remained ever focused on reducing payment friction for customers.

Over the last few years, Amazon has used a variety of techniques to strengthen its payments experience, including launching digital wallets through Amazon Pay, acquiring tech talent of failed mobile payments startup GoPago, building a variety of tech in-house, and most recently opening up to partnering with merchant acquirers outside of Amazon’s marketplace.

Today’s iteration is Amazon Pay, a digital wallet for customers and a payments network for both online and brick-and-mortar merchants and shoppers.

Amazon Pay’s Traction and metrics

In addition to serving Amazon’s core www walmart money card customer service, payments is an attractive revenue line when thinking about the scope of the payments market. Swipe fees paid by US merchants alone are more than a $110B-a-year business for banks, card networks like Visa, and payment processors like Stripe.

Amazon is finding ways to attract merchants to the Amazon Pay network beyond its experimentation with swipe fees. The company announced it would pass on the special card savings Amazon gets from card networks (because of the volume of purchases they can guarantee) to retailers that adopt Amazon Pay. Leveraging scale and competing on fees is a classic customer acquisition strategy in Amazon’s playbook.

And while the company is famously secretive about reporting customer growth and business metrics, a 2020 survey revealed that Amazon Pay has grown into a major online payment provider with a 22% user share in the US. Payments made with Amazon Pay spiked following service expansion to new geographies — France, Italy, and Spain — and to new verticals, including government payments, travel, insurance, entertainment, and charitable donations.

However, Amazon has had some missteps with Amazon Pay. Its most famous failure was Amazon Local Register. With the talent acquired from GoPago, Amazon launched Amazon Local Register, a card reader for small- and medium-sized businesses (SMBs) in August 2014. At the time, the company charged competitive rates (a full percentage point less than Square). Each reader cost $10, and it seemed like a formidable rival to PayPal’s and Square’s readers.

But in October 2015, the company announced it would be shut down. Despite charging lower fees, the company failed to gain enough traction with merchants who feared giving Amazon detailed data on their overall business operations.

Amazon's payments misses in the past, like Amazon Allowance and Amazon Payphrase

Eventually, Amazon launched a “Pay with Amazon” button for mobile and created a team with the goal of expanding payments across the web and on apps.

To lead this team, Amazon hired ex-PayPal employee Patrick Gauthier. In reference to failed payments projects, Gauthier said:

“What people never realize or truly understand about Amazon is that part of the recipe for success is daring to try things you have no idea whether will succeed or not, and if you think that you have a notion of how to succeed … you try again.”

Future developments of Amazon Pay: pivoting from e-commerce to omnichannel enablement

Off-marketplace integrations: Pivoting from e-commerce to omnichannel enablement

In March 2019, Amazon announced an integration with Worldpay, which serves as a back-end intermediary between banks and credit card companies and is one of the largest payment processors in the world.

It is a notable pivot from Amazon’s IP strategy, where the playbook has been to build, patent, and keep proprietary technology in-house to fuel Amazon’s marketplace. However, keeping Amazon’s customer-centric “day one” philosophy in mind, Amazon Pay’s top priority is reducing payment friction for customers to buy goods and services and for merchants to sell more things. This is also a second attempt to build distribution with merchants, picking up where Amazon Local Register failed to gained trust.

To achieve this, Amazon Pay set up a rare independent domain and is expanding from e-commerce to omnichannel — across web, mobile, and IoT devices.

The partnership is significant because of its potential to put Amazon’s Quick Payment button in front of millions of consumers and boost distribution with merchants.

At the time of the deal, Worldpay processed more than 40B transactions worth about $1.7T annually, supporting more than 300 payment types across 120 currencies. In July 2019, FIS announced it was acquiring Worldpay in a $43B cash-and-stock deal, indicating a strategic move to grow its merchant solutions business. Patrick Gauthier, VP of Amazon Pay, was reserved about the implications of the partnership:

“Today the announcement is about the extension of our footprint. It will lead us into more opportunities to grow the value proposition for buyers and merchants, but I will reserve discussion about that for the future.”

For Amazon, the combination of FIS and WorldPay is aligned with the company’s goal of reducing friction in payments for consumers and merchants, subsequently boosting commerce.

FIS could also be valuable for financial services pursuits as its suite of technologies ranges from POS systems to integrated card payments to cross-border payments, and covers both online and offline commerce. FIS is also one of the biggest providers of core banking processing and has integrations with Q2 technologies. Both are key elements that non-bank-chartered tech firms in the US have been leveraging to launch banking services, like checking and savings accounts.

Commerce has expanded well beyond desktop into mobile apps, IoT devices such as smart speakers, and other channels where Amazon does not have as formidable a position.

On the web, the infamous one-click patent helped boost the company’s payments prowess. But when the patent expired in 2017, it opened up the market for competitors to launch off-marketplace payment solutions.

To compete, Amazon is investing in its products, including by hiring product managers for device solutions. This could help Alexa move from the home and office into amazon credit card germany login or point-of-sale (POS) environments.

Further, Amazon recognizes the need to diversify its dependence on third parties for its marketplace, even if that means enabling them off-platform.

While a short-term goal of the partnership seems to be to capture market share and reduce the processing fees charged by incumbents, in the long run, Amazon may look to close the loop and keep customers within the Amazon ecosystem.

Average third-party seller share on share on Amazon by percentage

Amazon Go: Amazon’s secret payments weapon?

Developing its products remains an area of strength for Amazon, especially as it iterates on its in-house biometric payments technology piloted within its expansive Amazon Go grocery stores.

Its Just Walk Out technology uses computer vision, sensor fusion, and advanced machine learning to enable a frictionless payments experience, and is based on technology that the company has patented in the past.

The future of payments for Amazon include facial recognition for faster payments

Just Walk Out is available through the Amazon app. It grants access to the store and allows customers to grab products and go without needing to stop and check out to pay.

Today, more than 20 Amazon Go stores are live in Seattle, New York, San Francisco, and Chicago.

The average annual sales of an Amazon Go location come in at about $1.5M, according to RBC Capital Markets. And with as many as 3,000 Amazon Go locations slated to open in the coming years, Amazon Go could become a $4.5B business.

Again, while the company typically does not make its proprietary technology available commercially, it looks to be taking a different approach with Amazon Go.

In March 2020, Amazon said that it had partnered with OTG to deploy its cashierless technology at CIBO Express stores at airports. Two such stores have been opened at Newark Liberty International Airport. The retail giant is reportedly in talks for a similar deal with Cineworld’s Regal Cinemas, a theater chain with more than 560 screens in the US.

Amazon could also look to roll out this tech into its Whole Foods stores or rumored independent grocery business in the future. The rollout in Whole Foods stores may reportedly start in Q2’21.
Amazon is rolling out cashierless Amazon Go stores

Prime Day: Amazon’s plan to adjust payment habits

Amazon Pay is still a niche payment method despite the company’s dominance in US e-commerce. This underscores the difficulty of influencing consumer behavior — especially when it comes to payments.

Alongside inventive products like Amazon Go, Amazon is using large-scale sale events like Prime Day to nudge people to use Amazon Pay.

During Prime Day 2019, Amazon offered consumers up to 30% cash back on purchases if they checked out using Amazon Pay. Customers received Amazon gift cards after using Amazon Pay at checkout from a specific list of participating merchants.

Incentives were offered on more than 30 retailers, including Brooklinen and Vineyard Vines. Offering cash back on an even wider variety of retailers could make sales a powerful technique for Amazon to encourage using Pay in the future.

Payments with a wave of the hand: Amazon’s plan to link payments data with biometrics

Alongside its cashierless store plans, Amazon has its eyes on eliminating the need for physical credit and debit cards altogether. In September 2020, the company launched Amazon One, a set of software and hardware technologies that let users pay using their palms. Customers first have to register to use this service by inserting a payment card in an Amazon One device and scanning one or both of their palms. Once registered, they enter and leave stores by placing their hand above a sensor at the entrance. Smart cameras and shelf sensors detect products customers take. The system then automatically charges customers as they leave the store. Later on, Amazon plans to enable users to assign one card to each palm.

Amazon One will initially be available at Amazon Go stores in Seattle. The company plans to roll out this tech across other stores in San Francisco, New York, and Chicago.

Amazon One terminals could be placed in any brick-and-mortar location, such as a coffee shop or restaurant. But the company isn’t yet saying when this technology will be offered to other companies. Amazon reportedly tested this system at vending machines in some of its offices and has partnered with Visa. It also has reportedly held talks with Mastercard, JPMorgan Chase, and Wells Fargo.

Alexa, pay for gas: Payments through voice commands

Amazon Pay VP Patrick Gauthier believes that, like e-commerce and mobile commerce before it, voice commerce has massive potential. The global voice shopping market is poised to grow from $2B to $40B by 2022, according to CB Insights’ Industry Analyst Consensus.

In September 2020, Amazon launched a new feature that enables customers to pay for gas at over 11,500 Exxon and Mobil gas stations across the US with a voice command to their Alexa-enabled vehicles or other mobility devices. All transactions are processed through Amazon Pay.

Amazon has partnered with Fiserv, a financial services tech company, which will enable the pumps to be activated at the voice command and ensure the payment goes through securely.

The retail giant also offers Alexa-enabled shopping for Atom Tickets, a Santa Monica, California-based company that allows users to purchase movie tickets prior to going to the theater. Shoppers can also pay their utility bills through Amazon Pay by sending out a voice command to their Alexa-enabled devices.

While Amazon has not yet announced any other applications of its voice command-based shopping features, a survey it conducted in 2019 showed that 44% of its customers were likely to try voice commerce over the next 3 years. The company also launched Paytalks, a webinar that educates merchants on how to use voice strategy to grow their business.

Amazon Payment Services

In December 2020, Amazon launched Amazon Payment Services (APS), a payment service provider that covers the Middle East and North Africa (MENA) region. APS is a rebranded version of Payfort, a fintech startup acquired by Amazon in 2017. Amazon teamed up with a number of leading banks in the MENA region, including Al Rajhi Bank, Mashreq, and First Abu Dhabi Bank, to launch this payment service.

Amazon Payment Services is offered to companies in 8 countries

APS is offered to companies in 8 amazon credit card germany login. Source: Amazon

Companies using APS can offer online customers the option to pay using global payment methods like Visa and Mastercard as well as local card schemes such as Meeza and Mada. Customers can also pay in monthly installments using cards issued by local and international banks.

APS offers other benefits as well. Businesses can reduce checkout friction by allowing repeat buyers to skip specific authentication steps. APS also provides security solutions that reduce fraud and chargebacks. Companies then get arvest mortgage company login enjoy a higher percentage of accepted payments. And teams can bank vibe number APS to build dashboards, merge data from various sources, and keep track of business goals.

Amazon Cash

The Amazon Cash program bridges the gap between online commerce (using debit or credit cards as payment) and offline commerce, which relies on “cash on delivery” options like cash and gift cards.

Amazon Cash launched in April 2017 to allow customers to deposit cash, without a fee, to a digital account by showing a bar code (either printed physically or digitally) or their phone number linked with their Amazon account at a partner brick-and-mortar retailer, such as CVS or 7-Eleven.

Amazon Cash fits into Amazon’s strategy of appealing to underbanked and unbanked populations

Amazon Cash fits neatly into Amazon’s strategy of appealing to underbanked and unbanked populations — customers only need access to the internet and a printer to open an account, rather than requiring a bank account or a phone.

Prior to Amazon Cash, unbanked and underbanked populations were an unaddressed customer base for the online retailer, as discussed in the Traction section below.

Since Amazon Cash’s launch, Amazon has made a few key product developments:

Amazon Cash has evolved through several deals

In May 2018, Amazon Cash extended its partnership with Coinstar to allow customers to deposit spare change at Coinstar kiosks and cash out digitally with the Amazon Cash app, instead of in cash or physical gift cards.

Coinstar has nearly 20,000 kiosk locations across mass merchants and select financial institutions. The goal at launch was to enable 5,000 kiosks with the new service by the end of 2018, with Amazon looking to roll out services to more kiosks down the road.

The location of kiosks — typically in grocery stores — is a newer cornerstone of Amazon’s business following its acquisition of Whole Foods. They are also found in high-traffic areas that Amazon competes with, including rival retailers such as Walmart. This partnership helps Amazon encourage customers to spend more on, and fits Amazon’s core strategic goals of strengthening the Amazon ecosystem and increasing participation.

PayCode: Bringing Amazon offline with Western Union’s network

A more recent pillar in Amazon’s fintech strategy is bringing parts of the world without the infrastructure to support digital payments into the Amazon ecosystem.

With PayCode, Amazon is allowing consumers that haven’t previously been able to purchase goods on Amazon to buy items through the site and pay for them in cash via QR codes. Amazon piloted PayCode in countries including Colombia, Chile, Hong Kong, Kenya, Indonesia, Malaysia, the Philippines, Peru, Taiwan, and Thailand. It then expanded the program to Barbados, Costa Rica, Jamaica, Kazakstan, and Uruguay, before opening it to the US in September 2019. PayCode has also been introduced in the Federated States of Micronesia, Marshall Islands, Mauritius, Palau, Philippines, and Tanzania.

The program is a partnership with Western Union, which is providing Amazon with the financial infrastructure it needs to enable offline cash payments. In these regions, consumers can pay for Amazon purchases by visiting a Western Union location and making a deposit in cash.

PayCode gives Amazon a strategic way of assessing which markets might make the most sense for future expansion of Amazon’s core retail platform.

PayCode could also represent a way for Amazon to eventually expand its influence among the underbanked in countries where it already has a live retail market.

Amazon Allowance: A kid-friendly solution

In addition to targeting the unbanked and underbanked, Amazon has looked to leverage the Amazon Cash feature to tap into the next generation of consumers.

In mid-2015, the company added Amazon Allowance, which was later brought under the Amazon Cash umbrella. Using Amazon Allowance, and with parental consent, kids were able to set up their own Amazon accounts and make purchases using their Amazon Allowance. Parents could allocate recurring funds to their child’s account and get the added control of overseeing what their kids purchased. However, the company discontinued this feature in July 2020.

Amazon Allowance was a way for parents to let their children shop on Amazon.

Amazon has also made investments in improving kids’ access to the platform.

In December 2017, Amazon’s Alexa Fund participated in a $16M Series A to Greenlight Financial, an alternative debit card issuer aimed at young consumers. With the card, parents can manage spending limits and allocate funds for their children through a mobile app. In March 2018, Greenlight Financial announced crossing 100,000 customers, growing its customer base 300% since the investment. In August 2019, Greenlight raised a $54M Series B from investors including Wells Fargo, JPMorgan Chase, Drive Capital, Relay Ventures, and TTV Capital. And a year later, the company raised $215M in Series C at a $1.2B valuation.

Amazon invested in Greenlight to bolster Amazon Cash customers

Greenlight Financial’s core business is complementary with Amazon’s internal initiative of growing Amazon Cash customers by increasing penetration of younger shoppers.

Amazon Cash traction and metrics

Amazon hasn’t announced how many customers are using Amazon Cash, but it’s clear the market opportunity is large. A 2019 FDIC Survey of Household Use of Banking and Financial Services shows that approximately 5.4% of US households, which equals around 7.1M, were unbanked in 2019.

The international opportunity is large, too — for example, 190M citizens in India are unbanked and just 37% of adults have a bank account in Mexico. Amazon Cash could be an enabler for customer acquisition in markets that have high unbanked populations and entrenched local competitors, supporting Amazon’s goal of increasing the number of customers that transact on the Amazon platform.

Cash caters to underserved and unserved populations in lower income brackets

Future developments of cash-based ops

Amazon is no stranger to looking outside its existing channels for growth opportunities.

The company could continue to expand the Amazon Cash and PayCode programs to other partners with high foot traffic (for example malls, colleges, grocers, etc.) or other geographies with highly underbanked populations and where QR codes are gaining traction as a payment method. Amazon could also leverage Whole Foods to launch more Coinstar kiosks, expanding the reach of the Coinstar partnership in a unique way.

Amazon Lending

Jeff Bezos has been more forward about Amazon’s desire to build out its lending arm than other financial service offerings.

In his 2016 annual letter to shareholders, Bezos outlined Amazon’s goal of expanding Amazon Lending: By continuing to work with partner banks to manage the bulk of the credit, the retailer can mitigate credit risk and calm investor nerves.

Today, Amazon’s business lending is available in the US, UK, Germany, Canada, China, France, India, Italy, and Spain.

Amazon also offers consumer lending in the US in the form of partner cards.

SMB lending

Amazon Lending initially launched in 2011 to help small businesses finance and sell more goods on Amazon. In 2018, Amazon Lending partnered with Bank of America Merrill Lynch to issue loans on an invitation-only basis that could range between $1,000 to $750,000. In 2020, Amazon inked similar partnerships with Goldman Sachs in the US and ING in Germany.

As part of its deal with Goldman Sachs’ Marcus brand, the bank will invite selected merchants to apply for a credit line of up to $1M. The application process is digital, and sellers are notified of approval results instantaneously. The credit line delivered through the Marcus brand comes with a fixed annual interest rate ranging from 6.99% to 20.99%. The amount approved can be drawn in several instances and repaid like a typical credit card.

This is the first time that Amazon will open up its treasure trove of sales data on its sellers to a third-party financial institution to make underwriting decisions.

In Germany, Amazon and ING will provide loans between €10,000-€750,000 ($11,250-$852,327) to SMBs.

Amazon has issued $5B in loans to 20K+ SMBs.

From launch in 2011 to Q1’19, Amazon reported it issued $5B across more than 20,000 businesses in the US, Japan, and the UK.

Amazon’s lending business growth may be slowing, as it grew only 4.7% in 2017 and 2.6% in 2018, according to the Financial Times. However, this may be because the company is limited on how much capital it can lend without raising bank debt, or it may be a strategic decision to keep a cap on growth to avoid regulatory pushback.

In October 2018, Amazon expanded beyond loans to corporate cards issued by American Express in an effort to build its Amazon Business suite and attract new businesses to the marketplace. Launched in 2015, Amazon Business had over 1M business customers as of July 2017, and in 2019, the B2B platform’s gross revenue grew 3 times faster than the company’s overall revenue growth of 20.5%, according to RBC Capital Markets.

The card serves as a way to attract customers that have been turned down by traditional banks due to limited business credit history. Initially launched in the US, Amazon Business Prime is now available in the UK, Germany, Japan, and most recently Canada.

Perks include giving businesses control over employee spend, analytics tools for spend and inventory management, and discounts on Amazon Web Services (AWS). Prime members receive extra incentives, like priority shipping and pricing.

The Amazon Business Prime AmEx card focuses on growing SMBs across industries

Amazon also offers services such as Pay by Invoice, which allows selected small businesses to buy now and pay within 30 days — or 45-60 days, if the customer has an Amazon Prime Business account. In addition, it offers SMBs a revolving credit line and a pay-in-full credit line, in partnership with Synchrony Bank.

B2B e-commerce transactions are expected to reach $20.9T globally by 2027 — reportedly growing at a faster rate than online retail sales. Amazon is looking to replicate the network effects of its consumer arm with SMBs, as having more Amazon Business customers will improve its ability to connect B2B buyers and sellers to transact directly, unlocking cost savings.

Amazon’s consumer lending

Amazon offers Amazon Prime cards to help serve 2 broader corporate goals: grow Prime customers and increase marketplace sales. To attract card customers, Amazon has been adding perks that are exclusive to Prime members. Cardholders are likely to spend more on Amazon than non-cardholders, which also benefits Amazon’s marketplace (and boosts customer loyalty).

On the consumer side, Amazon has tried out several partner cards for Prime and non-Prime customers, which include:

  • Amazon Prime Store Card — Launched in 2015 with partner Synchrony Bank, it was Amazon’s first card exclusively for Prime customers, offering unlimited 5% cash back on Amazon purchases.
  • Amazon Store Card — Offers some of the benefits of the Prime Store Card but for non-Prime customers. It does not offer the 5% cash back perk.
  • Amazon Prime Rewards Visa Signature Card — Launched in 2017 with Visa, this card gives Prime members 5% cash back at Amazon and Whole Foods, 2% cash back at gas stations, restaurants, and drugstores, and 1% cash back on everything else.
  • Amazon Rewards Visa Signature Card — Partner card with Visa for non-Prime customers that offers 3% cash back on Amazon and Whole Foods purchases, 2% cash back at gas stations, restaurants, and drugstores, and 1% cash back on everything else.

Amazon's credit cards have expanded from online shopping to everyday purchases

  • Amazon Reload — A reloadable digital debit card available only to Prime members that offers 2% cash back on Amazon purchases. The card links directly to consumers’ checking accounts and can be reloaded on a recurring or one-time basis.
  • Amazon Pay ICICI Bank Credit Card — In 2018, Amazon Pay and India-based ICICI Bank launched a Visa-powered, co-branded credit card. Prime customers of this card can earn 5% cash back on purchases made through Amazon India, while non-Prime customers get 3% cash back.
  • Amazon Credit Builder — In Q2’19, Amazon partnered with Synchrony Bank to create a program that helps customers in the unbanked amazon credit card germany login underbanked income brackets boost their credit with a secured credit card. Like secured credit cards offered at banks, it requires a one-time deposit between $100 and $1,000 at the time of the account opening, which then becomes the card’s credit limit.

Amazon Reload is a reloadable digital debit card available to Prime members and offers 2% cash back

Both the Amazon Prime Store Card and Amazon Store Card offer 0% financing for consumers on certain kinds of Amazon purchases:

  • Purchases of $150 or more if fully paid within 6 months.
  • Purchases of $600 or more if fully paid within 12 months.
  • Select Amazon purchases if fully paid within 24 months.

Amazon is also frequently featured as a destination to spend credit card points by credit programs including Chase Freedom, Discover Cash Match, and Blue Cash for Amex.

Future developments of Amazon’s lending ops

In 2018, Amazon extended the 5% cash back reward to purchases at Whole Foods on the Prime Rewards Visa Card. This is one example of how Amazon is adding perks and exclusive benefits for Prime customers, making the cards more competitive and attractive to customers in-store.

Amazon is beefing up in-store rewards to attract new Prime customers

More broadly, Amazon’s Visa cards suggest it is pushing beyond limited-use store cards into everyday-use cards.

“Our vision is that every day Prime makes your life better, easier and more fun, and shopping at Whole Foods Market with exclusive deals and savings is all of this and more.” — Cem Sibay, vice president, Amazon Prime

Amazon’s addition of options for underbanked consumers and broader range of offerings — from cards with significant cash back rewards and 0% financing, to accepting SNAP benefits as payments, to launching secured cards for credit rebuilding — suggests that the company us bank mortgage loan reviews looking to bring as many consumers as possible into the credit market and incentivizing them to stay through perks tied back to the ecosystem.

Amazon’s next financial pillar?

While Amazon is making moves across the payments, cash, and lending spaces, it could also look to further expand across the financial services ecosystem.

Checking accounts

Amazon had patented methods for linking bank account information and for prepaid cards as early as 2004. As seen below, these patents offer supporting insights into what a bank account issued by Amazon could look like.

The company’s competitive advantage lies in its cloud infrastructure and online hosting. In the event that Amazon does decide to offer full-fledged banking account services, AWS would enable it to have cloud-based operations that would be more secure than traditional banks or its other Big Tech competitors.

Amazon's 2004 patents hinted at bank accounts

However, while Amazon has pushed into checking primarily through its Amazon Cash offering, it seems to have abandoned plans to create its own checking account so as to avoid becoming subject to strict banking regulations, according to The Information.


Amazon has shown nascent interest across insurance markets and products.

The earliest reported foray into the space was in April 2016 with Amazon Protect, a white-label service in the UK that provides accidental and theft insurance on consumer goods ranging from headphones to kitchen appliances. Claims are underwritten through a partnership with The Warranty Group’s London General Insurance Company. The program has since expanded to other European countries including Spain, Italy, Germany, and France.

In June 2018, The Warranty Group, which underwrites Amazon Protect in the UK and abroad, was purchased by Assurant for a rumored $2.5B. The acquisition could make it easier to expand Amazon Protect to new markets that are under Assurant’s umbrella of lifestyle protection products.

In Europe, Amazon runs product insurance with Amazon Protect


Amazon also teamed up with the insurtech startup Next Insurance to provide eligible Business Prime members with access to small business insurance policies. In less than 10 minutes, users can purchase professional liability, commercial auto, general liability, and other types of insurance coverage. Small business owners get a certificate of insurance digitally. Amazon Business Prime customers also get a 10% discount for purchasing professional liability and general liability policies.

Meanwhile, Amazon made an early insurance push in India by leading a $12M investment in insurtech startup Acko in May 2018, as well as taking part in a $60M funding round closed amazon credit card germany login 2020. Acko offers traditional car and bike insurance policies, but it is increasingly focused on “internet economy” deals, which primarily consist of e-commerce, travel, and ride hailing-focused products such as an in-trip insurance program with Ola. On its new investor, Acko CEO Varun Dua said,

“The idea is to find some way to collaborate in the future. We’re a new age insurance company and [Amazon] believes it can create value.”

In September 2018, Amazon made its interest in the insurance market in India even clearer when it filed with the country’s Registrar of Companies to begin selling its own health, life, and general insurance products. In March 2019, Amazon received its corporate agent license from the Insurance Regulatory and Development Authority of India, clearing the way for the company to proceed further.

Amid the Covid-19 pandemic, Amazon began offering cost-free health insurance to its sellers in India, with Acko handling the policies, claims, and reimbursement.

In September 2019, Amazon rolled out a pilot for Amazon Care, a health insurance service for its employees in the Seattle, WA area. It comes as part of the company’s joint venture with JPMorgan Chase and Berkshire Hathaway, called Haven Healthcare. But this venture disbanded in early 2021 as many of its initiatives failed to take off.

Amazon is instead moving forward on its own. In March 2021, the company announced the rollout of Amazon Care to its employees in all 50 states. And in the next stage, this telehealth service will be offered to other employers as well.

Spain-based BBVA has also begun to operate product sales on Amazon. This relationship could lead to the sale of the bank’s various products, including insurance.

Because Amazon would get a cut of each financial service transaction made on its platform, it may look to get other banks and financial institutions to sell their services online.

Amazon’s market strategy outside the US

According to Morgan Stanley Research, Amazon’s long-term top line is 2-3x more exposed to emerging markets than that of rival Alibaba. Amazon is aggressively entering emerging markets to expand, but also to pilot and take a deeper role in developing new financial services products.

These emerging markets are attractive because of rapid mobile internet adoption, a lack of legacy infrastructure, and a growing number of the population entering into the middle class. Three of the most notable markets where this is taking place today are India, Mexico, and South America.

Amazon financial services in India

Growing its presence in India is core to Amazon’s broader market strategy, and the company has reportedly invested $6.5B of the $7B it verbally committed to the country (up from a $5B commitment it laid out in 2016).

In January 2020, Amazon announced an additional investment of $1B into the country to help India-based SMBs sell online via its platform. Bezos said that he expected the retailing platform to export Indian goods worth $10B by 2025.

In June 2020, Amazon launched its Smart Store feature in India through its Pay arm. The feature allows small businesses to set up a digital storefront on the Amazon marketplace that customers can access by scanning a QR code. Customers can then make online payments through their Amazon wallet, credit and debit cards, or in monthly installments.

Amazon’s investments and M&A are concentrated in India

Amazon’s global fintech investments and acquisitions are light compared to the company’s broader portfolio bets. However, a majority of those it’s made have taken place in India, aligned with the company’s strategic desire to expand in the country, enable SMBs, and drive more marketplace sales.

Amazon's fintech investments and M&A are concentrated in India


Similar to its US strategy, Amazon is investing in enabling faster, frictionless payments to help boost marketplace sales — always a key focus for the e-commerce giant.

In Q1’16, Amazon acquired Emvantage Payments, which was quickly integrated into Amazon Pay and relaunched as a digital wallet in December 2016.

June 2018 marked the fifth anniversary of Amazon’s e-marketplace in India. To celebrate, Bezos wrote a letter to customers offering cash back of Rs 250 ($3) — to be paid into Amazon Pay wallets — for customers who shopped online for goods worth Rs 1,000 ($13). The move strategically pushed consumers toward Amazon Pay, which reported early losses of Rs 177 crore ($26.6M) on income of Rs 7.4 ($1.11M) crore for FY17. The losses surged to Rs 1,868 crore ($257M) on an income of Rs 1,370 crore ($189M) in FY20.

Some of that burn is the result of the fixed operating costs to set up the business, but is also money spent in promotional offers to acquire customers. Amazon has a firm belief that its customer lifetime value (LTV) exceeds its customer acquisition cost (CAC), which is why it continues to be competitive on price.

Amazon is unafraid to burn cash to win in payments in India

At the time, Amazon also announced it would inject more capital in its Indian digital payment business. In March 2021, Amazon Pay in India raised around $31M from the company’s subsidiaries in Mauritius and Singapore, bringing its total capital raised to more than $700M.

In addition to cash, the company is also launching new services and ramping up investments in startups.

In January 2018, Amazon Pay rolled out the Doorstep feature, a cash pickup service that allows customers to load money into their Amazon Pay digital payment wallets. Users can top up their balances using cash for digital services including food delivery, bill payment, and mobile recharges.

Amazon Pay rolled out the Doorstep feature

In Q3’16, Amazon also invested in prepaid gift card services company Qwikcilver. The gift card system has since been integrated into Amazon Pay and can be used as a form of payment on the Amazon India marketplace. In Q2’18, Qwikcilver partnered with Xiaomi’s to offer electronic gift cards that redirect buyers to Amazon.

In May 2018, Amazon co-invested with Mastercard in an $8M Series B to ToneTag. ToneTag is a contactless payments hardware and software provider that can be integrated at both merchant (e.g. mobile, point of sale, card readers) and customer (e.g. mobile wallet, mobile banking apps) interaction points.

The ToneTag platform is now integrated into Amazon Pay, which expands Amazon’s reach to ToneTag’s reported 50M consumers (including merchants, parking garages, and restaurants) and 25,000 Retail Pods (the company’s hardware product that merchants use to accept payments) in India. This partnership will also expand Amazon Pay in India to offline commerce, a milestone that took the company over a decade in the US.

ToneTag is a contactless payments hardware and software provider

In August 2018, Amazon acquired Tapzo, an all-in-one mobile platform based in India that aggregates a variety of apps in one place. The move could allow Amazon to facilitate flight booking and other diverse transactions.

Further, this type of tool should help Amazon learn how to seamlessly integrate product and service offerings in one platform. Watch for lessons from this kind of all-in-one functionality to spread to other markets, including the Americas.

Amazon has also partnered with a handful of on-demand, high-frequency businesses including food delivery app Swiggy and ticketing app BookMyShow, all of which could boost payment processing volume.

Amazon is focusing on high-frequency transactions in India to boost payments

In April 2019, Amazon launched a peer-to-peer payments feature for Amazon Pay in India. This allows users to make payments to friends and family, in addition to using the digital wallet for making purchases online and in stores.


One of Amazon’s first equity investments in 2018 was a $22M Series C-II investment in Capital Float, a platform that provides working capital finance to SMBs in India. Following the investment, the company reported it had 80,000 customers across 300 cities, issued $170M in loans, and amazon credit card germany login 10,000 loans on a monthly basis. In April 2020, Capital Float raised an additional $15M from existing investors including Amazon.

Capital Float has also expanded into point-of-sale financing for retailers, launched an online payments gateway for borrowers to repay loans, and started piloting alternative underwriting models.

This investment complements Amazon’s broader push to support SMBs. In 2017, Amazon partnered with the Bank of Baroda to provide loans to thousands of Amazon’s e-sellers to help suppliers expand their operations and finance inventory during seasonal spikes.

In June 2018, Amazon launched a new lending experiment in India, a marketplace for lenders and sellers to obtain a competitive loan. Amazon has already onboarded 5 lenders to the platform including portfolio company Capital Float, Capital First, Bank of Baroda, Aditya Birla Finance, and Yes Bank.

In April 2019, Amazon announced its first lending API integration with the lending platform FlexiLoans. With this partnership, Amazon sellers in India can get loans set up directly in their Amazon Seller Dashboard. FlexiLoans offers underbanked Amazon sellers funding and collateral-free loans, and processed 10,000 loans between 2016 and 2019.

On the consumer side, Amazon offers a credit card in partnership with ICICI Bank that provides 5% cash back on all Amazon purchases for Prime members and 3% cash back for non-Prime members.

In April 2020, Amazon launched its Amazon Pay Later service in India in partnership with Capital Float. Pay Later is an instant credit service that allows interest-free purchases on and bill payments of up to $800.


One of Amazon’s recent investments in India-based insurance was a $60M Series D in September 2020 to Acko, which brought the company’s valuation to $500M. The investment is a follow-on round from a $12M Series B investment in Q2’18, which Amazon also participated in.

Acko reports having 60M customers on its platform for B2C and B2B coverage, as well as third-party micro-insurance for ticket cancellation, ride-hailing, and driver protection. Ola, redBus, Zomato, UrbanClap, and Amazon are among the 15 companies that use Acko for coverage.

In 2019, Amazon received a license to start selling third-party insurance products in India. In addition, the company launched a feature to enable payments of insurance premiums in India through its Amazon Pay wallet, and has been pushing the car insurance product offered by Acko on its platform.

India presents a vast opportunity for Amazon to experiment with its insurance business. Overall insurance penetration in the country increased from just 2.7% to 3.7% between 2001 and 2019, meaning there are plenty of potential customers for the company. The overall value of the insurance market in India is estimated to be worth over $200B in the coming years.


From 2014 to 2020, Amazon invested $6.5B in India. But the company is yet to turn a profit and is facing a number of challenges. For one, long-standing rules in India allow foreign e-commerce players to act solely as marketplaces that connect buyers and sellers, so companies like Amazon or Walmart’s Flipkart can’t hold items and sell them on their platforms. These and other e-commerce players bypassed this rule by operating through joint ventures with local companies that acted as inventory-holding firms.

This loophole was closed in December 2018. Local authorities adopted new rules that prohibit foreign e-commerce companies from listing items of sellers in which they have an ownership stake. Amazon, Flipkart, and other foreign e-commerce businesses then had to delist thousands of items from their stores. They also had to make investments in sellers even more indirect.

India seems bent on tightening these rules further. At the beginning of 2021, the government started discussing new rules that would forbid foreign e-commerce firms from holding a stake in sellers through their parents. Amazon may especially be hit hard by this policy change. The retail giant has indirect equity stakes in 2 sellers that account for more than a third of its sales revenue in India.

Reliance Retail boasts a number of popular brands that compete with Amazon

Reliance Retail boasts a number of popular brands that compete with Amazon.

Amazon is also facing growing competitive pressure. Reliance Retail, a retail arm of India’s conglomerate Reliance Industries, has announced it would buy the retail chain Future Group. Amazon is trying to prevent this deal. The US retailer claims its ownership in one of Future Group’s firms gives its right to first refusal and has taken this case to court. Also, Reliance Retail and Reliance Industries-owned telecom giant Jio Platforms have secured the financial backing of Facebook and Google. Amazon thus urgently needs to acquire Future Group to fuel its growth amidst growing competition in India’s $200B e-commerce retail market.

Amazon financial services in Mexico

Amazon has quickly learned from expanding financial services in India and is looking to apply what it’s learned to other developing markets, notably Mexico.

Since March 2017, Amazon has launched Amazon Prime, Amazon Cash, and Amazon Cash debit cards in Mexico. All align with Amazon’s broader strategy of building a low-friction payments service to attract customers online and then providing shoppers an alternative to credit and debit cards to build loyalty.


Amazon Cash launched in Mexico in October 2017. Similar to the US model, it allows customers to reload their accounts through deposits (up to 10,000 pesos, or $444) at convenience store chains such as 7-Eleven and other merchants pictured below.

In March 2018, the company launched a debit card with partner Grupo Financiero Banorte, a Mexican bank, called Amazon Recargable (Rechargeable). Like Amazon Cash, customers can deposit cash on the debit card at convenience stores across the country.

Payments is Amazon's entry point in Mexico

Amazon’s financial services push is significant for Mexico because many customers are unbanked. This may give customers access to a debit card for the first time, as cash is the preferred payment method for approximately 90% of all purchases. These hurdles mean Mexico is an untapped opportunity for Amazon to convert offline purchases to online commerce.

In March 2019, Amazon was reported to be working on a mobile payment system in partnership with Mexico’s central bank. The system, also known as CoDi, allows people to use QR codes to pay for purchases made both on- and offline.

CoDi rolled out first as a small pilot that spring, with a complete rollout in October 2019 with 33 participating banks.

Amazon’s main retail business still lags behind that of competitor MercadoLibre in Mexico, so owning more of the country’s payments infrastructure could be a powerful lever for Amazon to use to catch up.

Amazon financial services in South America

Amazon is expanding its footprint across South America. The US giant is forming partnerships with payment processors, growing its distribution network, and expanding data center infrastructure. And although it still doesn’t offer its cards or insurance options in South America, Amazon is preparing the groundwork needed for such services.

Amazon partnered with fintech firm dLocal to enable Chilean customers to pay in pesos while shopping on Amazon. Shoppers can also pay in 3 monthly interest-free installments using Visa, American Express, and Mastercard credit cards issued by banks in Chile.

Customers in Colombia will have an equally seamless shopping experience. Amazon teamed up with payment solutions company EBANX to enable Colombian shoppers to pay for goods in local currency and using local payment methods. EBANX offers over 100 localized payment solutions in other countries, including Argentina, Peru, Bolivia, and Uruguay, and could help Amazon with regional expansion. And until now, shoppers in Chile or Colombia could only pay in local currency if they used Amazon PayCode as a checkout option.

Brazil remains the largest retail market in South America. But Amazon lags behind other e-commerce players such as MercadoLibre, B2W, and Magazine Luiza that dominate this market. To catch up with the competition, the company rolled out Prime Day in September 2020 for the first time, and also expanded its logistics hubs to offer Prime deliveries in 500 cities. In February 2020, the company also announced plans to invest $236M in Brazil’s cloud infrastructure.

Rumors: What will Amazon do next?

If there’s anything we’ve learned from Amazon, it’s to never say never. After the news broke that Amazon was looking to offer a checking account-like product, mentions of Amazon and banking crossed over 600+ media mentions. Although the company has since scrapped the idea, the media attention remains.

The media loves to speculate about the threat of Amazon and big tech on banks

In that spirit, here are some of the noteworthy rumors in the wild:

Rumor:Amazon’s banking ambitions post-Bezos will grow.

Source: The Financial Brand

Why it’s interesting: Jeff Bezos has been a driving force behind many of Amazon’s key initiatives. It comes as no surprise that his transition to the role of executive chairman and the appointment of Andy Jassy as the new CEO raises lots of questions. For one, financial organizations wonder what Amazon’s future banking ambitions are.

Jim Marous, an expert on the digitalization of banking, says that “the decision by Bezos to step down from his current position will most likely only strengthen the commitment to financial services by Amazon.” Also, Jassy worked with Capital One, Stripe, Robinhood, and various other financial companies while leading AWS. And this experience may prove to be invaluable in helping Amazon innovate in the finance field.

Alyson Clarke, the principal analyst at Forrester, also points out that Amazon is likely to continue partnering with other financial institutions. She doesn’t think that “Amazon will — or needs to — get a fractional routing number lookup and become a bank. Any ambitions they have can be done via partnerships.”

Rumor: Amazon is building a digital currency


Why it’s interesting: Several job postings revealed that Amazon is assembling a team to work on a digital currency project in Mexico. One job posting noted that the product Amazon is about to build will “enable customers to convert their cash into digital currency” and then use that currency to shop for goods and services, including Prime Video.

Amazon’s Digital and Emerging Payments (DEP) division is in charge of this payment product. Another job posting said that the currency is geared toward emerging markets. It remains unclear what the value proposition of Amazon-owned currency is and whether it is blockchain-based.

Perhaps the currency could be used to send money abroad to friends and family to buy specific products from Amazon’s stores. Whatever the case, Amazon has once again shown its willingness to experiment with different technologies.

Rumor: Amazon is going deeper into the home

Source: July 2019, NY Times

Why it’s interesting: Amazon has previously worked with residential real estate brokerage Realogy to create TurnKey, a service to connect buyers and realtors on Amazon’s marketplace. However, the partnership between Amazon and Realogy was suspended in mid-2020 because of the Covid-19 pandemic. Realogy CEO Ryan Schneider said that “home services that require people being in someone’s home just doesn’t work in a Covid-kind of social distancing world.”

Nevertheless, Amazon is trying to wedge itself deeper into the home. By getting ahead of buyers as they start their search and incentivizing them with Amazon services, the company is aiming to create a massive cross-selling opportunity for its products.

It’s also a new way to grow distribution for its portfolio of home hardware devices such as Ring, smart devices like Alexa, and services like Amazon Home Services installation. The move could also help Amazon expand into home insurance or mortgage offerings.

Further reading: It’s Not Just Your Smart Speaker. How Amazon Is Coming For The $50T+ Commercial and Residential Real Estate Industries

Rumor:Amazon reportedly had discussions about offering home insurance

Source: June 2018, The Information

Why it’s interesting: This rumor is based on an anonymous source that reported Amazon had discussions about offering insurance in conjunction with its connected home devices. However, none of Amazon’s existing investments or products tie to home insurance, at least in the US. While the company has made insurtech investments in India (such as in Acko) and a partnership in the EU to offer Amazon Protect, acting as more than a distributor of existing home insurance products seems unlikely.

Rumor: Amazon is getting into mortgages

Source: March 2018, Housing Wire

Why it’s interesting: While Amazon has not made concrete plans, it has been making a series of strategic hires for lending with a focus on mortgage banking. The company hired a head of its newly formed mortgage lending division. In addition, the firm has a number of home services businesses such as Alexa, Prime streaming, and Amazon Fire Stick, and this could be its next move in owning the home.

Rumor: Amazon is getting into health insurance

Source: January 2018, Engadget

Why it’s interesting: Amazon has signaled that it is looking at healthcare seriously. In 2017, the company posted several internal job openings for a new stealth team called the “1492 squad,” relating to the use of medical records. It has also invested in cancer startup Grail, participating in the company’s $914M Series B in Q1’17, and has hired a healthcare and life sciences director away from Box.

Amazon also acquired Health Navigator, a startup that helps check symptoms and determine triage online, and added the features to its pilot of Amazon Care.

Rumor: Ripple is helping Amazon with cross border payments

Source: May 2018, CryptoDaily

Why it’s interesting: While cryptocurrencies saw a huge spike in interest in 2017, many of the world’s most prominent figures in financial services — including JPMorgan Chase CEO Jamie Dimon and Berkshire Hathaway CEO Warren Buffett — have outwardly cast it aside as mass speculation. Amazon is known to take unconventional approaches to solve customer pain points, so it would not be surprising if it were to explore applications of blockchain across financial services products.

Rumor: Amazon and PayPal are meeting with bank regulators to expand their financial services

Source: December 2017, American Banker

Why it’s interesting: Amazon and some other FAMGA (Facebook, Amazon, Microsoft, Google, Apple) members have been making headlines with rumors of moving deeper into financial services. Skeptics have punted back that the complexity of the regulatory landscape would inhibit them from entering the market. News that the firms are connecting with financial regulators suggests that regulations are not an inhibitor, but rather just an obstacle, and meeting with the Office of the Comptroller of the Currency (OCC) is one way to get the conversation going to overcome it.

Following this meeting, the OCC worked on a fintech charter for tech firms, including Amazon, which was supposed to include a centralized application that would give tech firms a limited (but universal) financial license vs. having to go state by state for approval. However, a federal court ruled in October 2019 that the OCC did not have the authority to issue such a charter. The OCC plans to appeal the decision.

Rumor: Amazon is buying Capital One

Source: February 2017, American Banker

Why it’s interesting: This rumor was one of the earliest that suggested Amazon would buy a bank. Amazon has a decent amount of cash on its balance sheet and could use that cash to buy a small regional bank. Capital One, in particular, is already operating on the AWS cloud and is looking to make further inroads into personal finance, so it could be a good combination.

Closing thoughts

Amazon’s strategy in financial services has been focused on supporting its core strategic goal: increasing participation (both from buyers and sellers) on its platform.

In practice, Amazon has relied much more heavily on internal product development than partnerships, M&A, or investments to broaden its financial services offerings. Relative to its FAMGA cousins (which have been much more active on the M&A and investment front), this is a surprising strategic decision. What’s not surprising is to see Amazon methodically seed, invest, and nurture a product line with a distant horizon in mind.

Zooming out a bit further, one can see the beginnings of what the Bank of Amazon could look like — a variety of key financial services products that support Amazon participants first, and enable them to buy, sell, and transact more easily than any other platform.

And that potential Bank of Amazon should worry traditional incumbents. If history provides a useful lesson, it’s that Amazon first builds core product pillars for itself, where it is the only and most important customer. This was most famously the case with AWS, which was the result of overhauling its own internal capacity for cloud services that were later repurposed for external clients and third parties. Only after years of building a product and iterating on features for itself does Amazon boney m no woman no cry and expose a key product pillar to other customers.

When that point comes with finance, it will likely be too late for incumbents that have not yet responded.

Additional reading:

Amazon Strategy Teardown: Amazon’s Barreling Into Physical Retail, Financial Services, Healthcare, And AI-Led Computing

Amazon Vs. Alibaba: How The E-Commerce Giants Stack Up In The Fight To Go Global

How 5 Tech Giants Are Leveraging Data To Reinvent Lending

This report was created with data from CB Insights’ emerging technology insights platform, which offers clarity into emerging tech and new business strategies through tools like: If you aren’t already a client, sign up for a free trial to learn more about our platform.

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