Amazon expands UK payment options with Pay by Bank via partnership with TrueLayer

Source: AboutAmazon

Amazon has expanded the range of payment options available to UK customers, giving shoppers more choice over how they pay at checkout. From Pay by Bank to cards, instalments, gift cards and rewards points, the move reflects a broader shift towards more flexible, account-to-account payment experiences in everyday commerce.

Pay by Bank brings card-free checkout to Amazon UK

Newly available for UK customers, Pay by Bank offers a card-free way to pay directly from a bank account at checkout. Designed for digital-first consumers, the option removes the need for card details and fits seamlessly into existing online shopping journeys.

Once added as a payment method, customers can select their bank during checkout and authorise payments securely through their mobile banking app using biometric authentication or PIN verification. The payment method does not expire and will soon support Prime membership subscriptions.

Refunds are also streamlined. When an item is returned, funds are deposited directly back into the customer’s bank account within minutes once the return is verified.

All Pay by Bank purchases are covered by Amazon’s A-to-Z Guarantee and standard returns policies, alongside protections available under the UK Payment Services Regulations for up to 13 months.

Cards, instalments and alternative payment options remain available

Alongside Pay by Bank, Amazon continues to support a wide range of established payment methods for UK customers.

Shoppers can pay using major credit and debit cards, including Visa, Mastercard, American Express and UK-based Maestro. Cards can be added and managed directly within the Amazon account wallet.

For larger purchases, Instalments by Barclays allows customers to spread the cost of orders over £100 across fixed monthly payments, subject to approval and eligibility checks.

Amazon Gift Cards also remain a popular option, offering flexibility for gifting and the ability to split payments between a gift card balance and another payment method.

Paying with points at checkout

UK customers can also use rewards through Shop with Points, allowing eligible credit card reward balances to be redeemed at checkout. This includes American Express Membership Rewards points from UK-issued American Express cards enrolled in the programme.

Customers can view and manage their points balances through the Shop with Points section in their Amazon account.

A step towards more choice at checkout

By expanding its payment options, Amazon is aligning with growing consumer demand for faster, more flexible and account-based payment experiences. The addition of Pay by Bank highlights how Open Banking-enabled payments are becoming increasingly embedded in mainstream ecommerce, offering shoppers more control over how they pay, without compromising on security or protection.