Can You Split Payments On Amazon? (All You Need To Know)

Many retail stores will allow customers to split payments between credit cards, debit cards, cash, and gift cards. There are many online stores that also allow customers to split payments.

However, some customers may be curious if Amazon allows customers to split payments. If you are also wondering about this fact, keep reading through this article to see what I found out!

Can You Split Payments on Amazon?

Unfortunately, Amazon does not allow customers to split payments between two debit/credit cards. However, Amazon does allow customers to use a gift card to divide payments. A split payment must be done with a gift card and a debit/ credit card, otherwise, Amazon cannot accept the split payment.

If you’d like to learn more about how to split a payment on Amazon, how to add payment methods to your Amazon account to split the payment, and more, keep reading for more facts and tips!

How Do I Split a Payment on Amazon With a Gift Card?

In order to split a payment on Amazon with a gift card, customers must do the following:

Step 1: Purchase enough gift cards to cover the cost of the products you plan to purchase. These can be bought in many retail stores that have gift cards at their card kiosks.

You can also purchase Amazon gift cards from directly. In order to do so, select the gift card link at the top of Amazon’s website and follow the on-screen instructions.

Step 2: Add items to the cart that add up to the amount of money on one of the gift cards being used.

It’s recommended to purchase several gift cards depending on the amount of money required for the transaction.

Step 3: After adding the items to your cart, apply the gift card codes to your account.

In order to apply the codes, select the “Gift Cards” option at the top of the Amazon homepage and then select “Apply to Your Account.”

Step 4: After applying to codes, proceed to the checkout. In the “Payment Method” screen, follow the instructions for adding the gift card codes to your purchase.

After adding the gift cards, you can add a debit or credit card as your second form of payment.

Step 5: Before checking out, review your order to ensure you followed all the proper steps.

Once it looks as if both payment methods have been applied, select the checkout option to complete your purchase.

How Do I Add an Amazon Gift Card to My Amazon Account?

In order to add a gift card to an Amazon account, customers must do the following:

  1. Purchase a gift card either from a retail kiosk or directly from
  2. Select the “Gift Cards” option at the top of the screen and select “Apply to Your Account.”
  3. Enter the claim code found on your Amazon gift card, and proceed to the checkout.

Customers who are planning to spend a large amount of money on their split purchase are encouraged to buy multiple gift cards in order to split their purchase more evenly between their debit/ credit card and gift cards.

Can I Use a Visa/ Mastercard Gift Card to Split a Payment on Amazon?

Even though Amazon allows customers to make split payments with gift cards, customers cannot use pre-paid Visa or Mastercards to split payments.

While pre-paid credit cards are technically gift cards, they operate like regular credit cards on debit machines.

Therefore, prepaid credit cards do not come with codes that customers can enter into their Amazon accounts.

However, if customers have pre-paid credit cards that they’d like to use up, they can purchase an online gift card from and split their payments utilizing that method.

Which Payment Methods Does Amazon Allow?

Which Payment Methods Does Amazon Allow?

While Amazon only allows customers to split payment with a gift card, they still offer a variety of other payment methods.

If customers are wary about spending money on their debit/ credit card all at once, they are recommended to make multiple purchases and place separate orders with any of the following:

  • Visa Debit/Credit (Including Pre-Paid Visas)
  • Mastercard (including Pre-paid Mastercard)
  • American Express
  • Amazon Pay

Why Doesn’t Amazon Allow Split Payments With Credit/ Debit Cards?

Amazon may be unable to authorize split payments with credit/debit cards due to restrictions placed by the credit card service provider that Amazon uses.

Most online stores have these restrictions in place due to the increased risk of fraud, as it’s harder to verify a customer’s identity if they use more than one form of payment.

Which Stores and Websites Allow Customers to Split Their Payments?

While Amazon is limited to how customers can split payments, there are some other retail stores and websites that currently allow customers to split their payments through other means.

Stores that currently offer a split payment option are as follows:

  • Crate & Barrel (in-store and online)
  • Land of Nod (in-store and online)
  • Walmart (in-store)
  • Starbucks (in-store)

Customers should be aware that very few online merchants allow customers to make split payments with credit/debit cards, as these types of transactions make verifying a customer’s legitimacy much more difficult.

As well, many merchants are simply prevented from allowing online split payments due to restrictions placed on their credit card service provider.

However, it is not impossible to find online stores that allow split payments, and is most prevalent in the United States.

Nevertheless, customers should be prepared to pay in full with one form of payment.

If you want to know more, you can also see our related posts on if Amazon has a phone number to call, which credit bureau does Amazon use, and if Honey works on Amazon.


Amazon allows customers to split payments between a credit/ debit card and an gift card.

However, customers may not use two separate credit/ debit cards or pre-paid credit cards to split a purchase either on Amazon or most other websites.

In order to use a gift card to split a purchase, customers must enter their gift card code into their account and then apply the card to their order at the checkout along with their debit credit card.

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of

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