You can pay your Chase credit card bill using Amazon Pay, but only if you set it up through Chase's website first
Chase does not let you pay directly from an Amazon product page or your Amazon account. Instead, you log into your Chase account online or through the Chase mobile app, add Amazon Pay as a payment method, and then use it to send money to Chase. The payment goes through Amazon's payment system but lands in your Chase account like any other transfer.
This is different from using an Amazon credit card to buy things on Amazon — that happens automatically. This is about sending money to Chase to pay down your card balance, and it requires a few setup steps on Chase's end first.
Key Takeaways
- Amazon Pay is a payment method you add to your Chase account through Chase's website, not through Amazon itself.
- You must have an Amazon account with a valid payment method on file before you can link it to Chase.
- Once linked, you can choose Amazon Pay as your payment method when you make a payment through Chase's online banking or app.
- The payment still takes 1 to 3 business days to post to your Chase account, the same as other bank transfers.
- You can set up recurring payments through Amazon Pay if you want Chase to withdraw a fixed amount on the same day each month.
How to add Amazon Pay to your Chase account
Start by logging into your Chase online banking account or opening the Chase mobile app. Go to the "Pay" or "Payments" section — the exact name varies by app version, but it is always near the top menu. Look for an option that says "Add a payment method" or "Manage payment methods."
Select "Amazon Pay" from the list of options. Chase will ask you to sign in with your Amazon account credentials. You do this right there in Chase's system — you are not leaving Chase's website or app. After you sign in, Chase confirms that your Amazon account has a valid payment method attached (a debit card, credit card, or bank account). If it does, the link is complete.
If you do not have an Amazon account yet, you will need to create one and add a payment method to it before you can link it to Chase. This takes about five minutes and requires an email address and a valid debit card or bank account.
Making a payment with Amazon Pay
Once Amazon Pay is linked, go back to the "Pay" section of your Chase account. Enter the amount you want to pay. When Chase asks which payment method to use, select "Amazon Pay" from the dropdown. Review the payment details — the amount, the date it will process, and your Chase account number — then confirm.
The payment will process through Amazon's system and arrive in your Chase account within 1 to 3 business days. During that time, the money is held by Amazon but not yet deducted from your Amazon payment method. Once it posts to Chase, it counts as a regular payment and reduces your balance when ready.
If you need to cancel a payment before it posts, log back into Chase, find the pending payment in your transaction history, and select "Cancel." You can only cancel payments that have not yet posted — once the money arrives in your Chase account, you would need to contact Chase directly to reverse it.
Setting up automatic payments with Amazon Pay
Chase lets you create a recurring payment using Amazon Pay. In the "Pay" section, look for an option called "Set up automatic payments" or "Recurring payments." Choose Amazon Pay as the method, enter the amount (either a fixed dollar amount or your minimum payment), and select the day of the month you want the payment to go out.
Chase will process the payment on that day every month, pulling the money through Amazon Pay. If your payment method on Amazon expires or is declined, Amazon will try the backup payment method on your Amazon account. If all methods fail, the payment will not go through, and Chase will notify you.
You can change or cancel a recurring payment at any time by going back to the automatic payments section and editing the setup. Changes take effect on your next scheduled payment date.
What happens if the payment fails
A payment through Amazon Pay can fail for a few reasons: your Amazon payment method is expired or has insufficient funds, your Amazon account is locked or suspended, or there is a technical problem on Amazon's end. When this happens, Chase will send you a notification — usually by email or through your Chase app — telling you the payment did not go through.
If your Amazon payment method failed, log into your Amazon account, update or replace the payment method, and then try the Chase payment again. If your Amazon account itself has a problem, you will need to contact Amazon to resolve it before you can use Amazon Pay for Chase payments.
If you miss a payment important date because Amazon Pay failed, contact Chase as soon as you notice. Explain that the payment did not process and ask whether they can waive any late fees. Many issuers will do this if it is your first miss and you can show that you attempted to pay on time.
Security and privacy with Amazon Pay
When you link Amazon Pay to Chase, you are not giving Chase access to your Amazon account or your Amazon payment methods directly. Instead, Chase receives a find token from Amazon that lets it request a payment on your behalf. Your actual card or bank account number stays with Amazon.
This means Chase never sees your full payment method details, and Amazon never sees your Chase account information. Both companies handle the data according to their own privacy policies. If you want to stop using Amazon Pay, you can unlink it from Chase at any time through the payment methods section, and the connection is severed when ready.
Alternatives if Amazon Pay does not work for you
If you prefer not to use Amazon Pay or if your Amazon account is not set up, Chase offers several other payment methods. You can pay by bank transfer (ACH), debit card, credit card, or check. You can also set up automatic payments using your bank account, which is often faster and more reliable than third-party payment systems.
If you are paying from outside the United States, Amazon Pay may not be available, and you may need to use a wire transfer or international payment service. Contact Chase directly to see what options work for your location.
Frequently Asked Questions
Does paying with Amazon Pay affect my credit score?
No. Your credit score depends on your payment history and how much of your credit limit you are using, not on which payment method you choose. Whether you pay with Amazon Pay, a bank transfer, or a check, Chase reports the payment the same way to credit bureaus.
Can I earn Amazon rewards or Chase points by paying with Amazon Pay?
No. Paying your bill is not a purchase, so it does not earn rewards or points. Only purchases made with your Chase card earn rewards. Some cards offer points for paying on time, but that is based on your payment history, not your payment method.
What if I want to pay more than my balance?
You can send a payment larger than your current balance through Amazon Pay, just like any other payment method. The extra amount will show as a credit on your account and will be applied to your next statement or returned to you if you request it.
Is there a fee for paying with Amazon Pay?
Chase does not charge a fee for using Amazon Pay. However, if your Amazon payment method is a credit card (rather than a debit card or bank account), Amazon may charge you a fee — check your Amazon account settings to see what type of payment method you have linked.
How long does it take for the payment to show up in my Chase account?
Most payments post within 1 to 3 business days. Payments sent on a weekend or holiday may take longer. You can check the status of a pending payment in your Chase transaction history or by contacting Chase customer service.