Q: What is Amazon Flexible Payments Service (Amazon FPS)?
Amazon Flexible Payments Service TM (Amazon FPS) is the first payments service designed from the ground up for developers. It is built on top of Amazon’s reliable and scalable payments infrastructure and provides developers with a convenient way to charge Amazon’s tens of millions of customers (with their permission, of course!). Amazon customers can pay using the same login credentials, shipping address and payment information they already have on file with Amazon.
With Amazon FPS, developers can accept payments on their website for selling goods or services, raise donations, execute recurring payments, and send payments.
This set of web service APIs differs from other Amazon Payments products such as Amazon Simple Pay and Checkout by Amazon in that it allows the development of highly customized payment solutions for a variety of businesses.
Q: What can I do with Amazon FPS?
Amazon FPS offers easy-to-integrate, lightweight APIs that are categorized by use cases into interoperable packages called Quick Starts. These Quick Starts are simplified API sets which enable even easier implementation of common payment transaction types such as one time payments, recurring payments and pre-payments. Amazon FPS Quick Starts enable you to:
- Accept one time payments on your website for selling physical goods, digital content, and services using Basic Quick Start.
- Execute periodic or delayed payment features required by subscription and usage-based services such as digital music and online storage using Advanced Quick Start.
- Facilitate transactions between a buyer and a third party seller, take a cut of the transaction, and have control over who pays the transaction processing fees with Marketplace Quick Start.
- Aggregate multiple payments, including micropayments, into a single, larger transaction and charge the customer before or after the service is provided with Aggregated Payments Quick Start.
- Programmatically access account activity using Account Management Quick Start. Alternatively, account activity and balances can be viewed on the Amazon Payments Website.
Amazon FPS also offers a feature called Payment Instructions to set conditions or constraints on a transaction. Quick Starts simplify the complexity of setting Payment Instructions for senders and recipients via a set of user interface pipelines. These interfaces enable Payment Instructions to be set across a range of parameters which allow Quick Starts to support most use cases. Alternatively, our Comprehensive API Set can be used to support applications that need access to a more granular set of payment APIs. Developers can use these lower-level APIs to create even more unique Payment Instructions, virtually without limitation, on the types of rules or conditions associated with a given transaction.
Q: How can I get started with Amazon FPS?
Amazon FPS provides a testing (Sandbox) environment where you can build and test your application. To sign up for the Sandbox, click the ‘Enter the Sandbox’ link on the Amazon FPS detail page. After signing up for the Sandbox, please refer to the Amazon FPS Getting Started Guide in the Resource Center. Once you are ready to launch, sign up for production Amazon FPS by clicking the “Create Free Account” button on the Amazon FPS detail page. Amazon FPS registration is available for all developers with a U.S. address.
Q: How can I integrate and test with FPS before I launch my application?
Amazon FPS provides a fully functional testing environment to build and test applications or services without transacting real money or incurring transaction charges. Access to the Sandbox is open to all developers with an Amazon Web Services (AWS) account. The Amazon FPS Resource Center contains code samples and sample applications to help you get started quickly.
We strongly encourage you to take advantage of this testing environment before launching your production application to ensure a successful experience for your customers.
Q: I am a current customer of FPS, what has changed?
As we make Amazon FPS generally available, we have made some modifications to the service based on feedback from the developer community over the past year. We have packaged our offering based on use cases to make it easier for you to access information. We have simplified our API and packaged them into Quick Starts; we have simplified our documentation and SDKs and added more sample code.
You can reduce the code at your end by integrating with the latest version of Amazon FPS and hence reduce operational overhead of managing code at your end. Your code will continue to work. Here is a gist of the changes.
- You don’t have to use InstallPaymentInstruction API to create caller and recipient tokens for your account. Recipient token is now required only in marketplace applications. We have completely removed the Caller token.
- We removed parameters that are not being used by you today. For example, we removed meta data and recipient description (we retained sender description and caller description).
- We simplified transaction response object.
- We simplified GetTransaction response by removing unnecessary parameters.
- By default, implicit retry and cancel will be the way to handle the temporary declines rather than the current explicit retry process.
- GetResults and DiscardResults are replaced with GetTransactionStatus API.
- Temporary decline status is not exposed to customers as we provide a simpler way to handle this status.
- Web Service notification is removed and replaced with simplified IPN mechanism.
Q: Is FPS still offered as limited beta version?
Amazon FPS is now available to everyone.
Amazon FPS Basic Quick Start provides a set of APIs that allows you to offer Amazon Payments as a payment method on your website for your use cases.
Integrating with Basic Quick Start is primarily a two step process. In the first step, you redirect buyers or customers to co-branded authorization pages hosted by Amazon FPS where they can authorize the payment. This authorization is returned to you in the form of an ID called a token ID. In the second step, you use this token ID to make web service calls to Amazon FPS to process payments. The Pay web service API allows you to initiate the payment. Alternatively, you can use the Reserve API to reserve the order amount for later settlement (using Settle API). You can use the Cancel API if your customers request you to cancel the order before they are shipped and the Refund API to process returns.
At this point of time, Amazon FPS does not calculate shipping and tax charges. However, it can return the customer’s shipping address to you.
If you are looking for a simple integration where you do not wish to customize the user experience, you can use Amazon Simple Pay Standard to enable payments in few minutes into your website. Click here to learn more. The primary difference is that Amazon FPS allows you to build customized solutions; more specifically, it gives you control over when you charge your customers – either immediately after they place the order or after you fulfill the order.
If you are looking for a complete e-commerce checkout package with support for shopping carts, order management, tax and shipping calculations, promotions and gift wrapping, you can use Checkout by Amazon. Click here to learn more.
Q: I sell digital content or provide services online. How do I integrate my website with Amazon FPS to offer Amazon Payments?
Amazon FPS Basic Quick Start provides a set of APIs that allows you to offer Amazon Payments as a payment method on your website for your use cases.
Integrating with Basic Quick Start is primarily a two step process. In the first step, you redirect buyers or customers to co-branded authorization pages hosted by Amazon FPS where they can authorize the payment. This authorization is returned to you in the form of an ID called a token ID. In the second step, you use this token ID to make web service calls to Amazon FPS to process payments. The Pay web service API allows you to initiate the payment. Alternatively, you can use the Reserve API to reserve the order amount for later settlement (using Settle API). You can use the Cancel API if your customers request you to cancel the order before you have delivered the service and the Refund API to process returns.
If you are looking for a simple integration, you can use Amazon Simple Pay Standard to integrate quickly in few minutes into your website. Click here to learn more. The primary difference is that Amazon FPS allows you to build more customized solutions; more specifically, it gives you control over when and how the payment happens.
Q: How do I raise donations using Amazon Payments on my website?
You can use Amazon Simple Pay Donations to raise donations on a website. Amazon Simple Pay Donations are an easy-to-use and secure way for US-based, IRS certified 501(c)(3) non-profit organizations to collect donations using Amazon Payments. Click here to see how Amazon Simple Pay Donations work.
If you are looking for more control over your customer experience on when the payment is made, you can use Amazon FPS Basic Quick Start. In the first step, you redirect buyers or customers to co-branded authorization pages hosted by Amazon FPS where they can authorize the payment. This authorization is returned to you in the form of an ID called a token ID. In the second step, you use this token ID to make web service calls to Amazon FPS to process payments. The Pay web service API allows you to initiate the payment. Amazon FPS will notify you on a successful payment. You can use the Refund API if your donors request for a refund.
Please note that to use Amazon Simple Pay Donations you must set up your Amazon Payments or Amazon FPS developer account as a “Non Profit” and you will need to submit 501(c)(3) application.
Q: I am developing a marketplace application where vendors/sellers list their goods or services and buyers purchase on my website. How do I leverage FPS functionality?
Amazon FPS Marketplace Quick Start allows you to enable marketplace functionality on your website. With a unique 3-party transaction model, payments can be processed in which you are neither the buyer nor the seller. You can charge a fee for such transactions.
Enabling marketplace functionality with Amazon FPS is a three step process.
First, sellers need to sign up for an Amazon Payments Business account and set it up to receive payments for goods or services sold by them. You facilitate this by redirecting your sellers to the recipient co-branded pages hosted by Amazon FPS.
Second, you redirect buyers to co-branded authorization pages hosted by Amazon FPS where they can authorize the payment. This authorization is returned to you in the form of an ID called the token ID.
In the third step, you use this token ID and call Marketplace Quick Start APIs to initiate payment using the Pay API, reserve funds at the time of order placement using Reserve API or settle reserved funds at the time of shipment using Settle API. You can charge a fee for providing the marketplace services on your site and Amazon FPS will deduct the fee from the transaction amount. You just need specify the amount in the API. Pay and Reserve APIs allow you to charge a variable fee, a fixed fee or a combination of the two. You can refund payments on behalf of your sellers automatically using Refund API.
Alternatively, you can use Amazon Simple Pay Marketplace to integrate with our marketplace functionality. Amazon FPS differs in that it gives more control over when and how the payments take place and allows you to build more customized solutions.
Q: How can I charge my customers on a recurring basis using Amazon Payments?
Amazon FPS Advanced Quick Start allows you to enable recurring payments functionality on your website. First, you redirect your customers to co-branded authorization pages hosted by Amazon FPS, where your customers authorize the payment. Once you have the authorization, you can execute payments using the Pay API on the date when the payment is due. You will get notified using Amazon FPS Instant Payment Notification mechanism once the payment transaction completes. Recurring payments can be canceled by using the CancelToken API.
Q: How can I charge my customers based on their service usage using Amazon Payments?
Amazon FPS Advanced Quick Start allows you to charge your consumers based on their usage of the service you provide. You can enable regular payments with amounts differing according to service usage. Integrating with Advanced Quick Start is primarily a two step process. In the first step, you redirect your customers to co-branded authorization pages hosted by Amazon FPS where they select a payment method and authorize usage based payments. This authorization is returned to you in the form of an ID called the token ID. In the second step, you use this authorization to make web service calls to Amazon FPS to execute payments. You will not be required to obtain an authorization every time you want to charge consumers. You can use the Pay API to execute the payment using the authorization. You will get notified using Instant Payment Notification mechanism once the payment completes. You can cancel the recurring payment by using a CancelToken API refund any of the payments executed by you using the Refund API.
Q: How does Amazon FPS help me cost-effectively execute micro-transactions?
Amazon FPS provides inexpensive Amazon Payments account balance transfer transactions (“ABT” transactions) to make micro-transactions extremely cost-effective.
Alternatively, with Amazon FPS Aggregated Payments Quick Start, Amazon FPS enables you to aggregate transactions with Prepaid and Postpaid aggregation functionality on behalf of your customers, which amortizes the cost of many micro-transactions into a single payment.
Q: Does Amazon FPS offer prepaid and postpaid aggregation?
Yes, Amazon FPS allows you to aggregate transactions on behalf of your customers by using Prepaid and Postpaid aggregation functionality through its Aggregated Payments Quick Start.
Amazon FPS supports the following payment methods:
- Credit Cards (Visa, MasterCard, American Express, Discover, Diners Club, and JCB)
- Bank Account debits
- Amazon Payments balance
Q: I have integrated with FPS to enable my customers to send me money. Are my customers required to set up a separate Amazon Payments account?
If your customers already have an Amazon.com account or an Amazon Payments account, they can use the payment information from either account to pay you. For customers who do not have an Amazon Payments Account, we will create one for them when they make their first payment on any website that accepts Amazon Payments.
Q: What countries and currencies are supported by Amazon FPS?
Amazon FPS allows U.S. as well as international customers to use major credit cards to make payments on Amazon FPS-powered websites. However, bank account and Amazon Payments account balance transfers are enabled only for US based customers. All transactions are in U.S. dollars.
Q: How can I get all my payment transactions so that I can do regular auditing?
Using the Amazon FPS Account Management Quick Start, you can regularly audit your payment transactions. The GetAccountActivity API can fetch all transactions on your account during a specified time period. You can use GetAccountBalance to get the real time balance on your account. Alternatively, you can go to Amazon Payments website to view your account activity, account balance, daily and monthly activity summary and fees paid to Amazon Payments.
Q: How will I be charged and billed for my use of Amazon FPS?
Amazon FPS exposes a different fee structure for each of the underlying payment methods: credit cards, bank account debits, and Amazon Payments balance transfers. Amazon Payments’ cost to process a payment through a bank account debit is less than the cost via credit card. The cost for processing an Amazon Payments balance transfer is even lesser. By exposing different fees for each of these three methods, we pass on savings from bank account debits and balance transfers to you. In each case, we take on the complexity of managing security and fraud protection.
Fees are assessed on a per-transaction basis and vary depending on the payment method used and the transaction amount:
For Transactions >= $10:
- 1.5% + $0.01 for Amazon Payments balance transfers
- 2.0% + $0.05 for bank account debits
- 2.9% + $0.30 for credit card
For Transactions < $10:
- 1.5% + $0.01 for Amazon Payments balance transfers
- 2.0% + $0.05 for bank account debits
- 5.0% + $0.05 for credit card
For Amazon Payments balance transfers < $0.05:
- 20% of the transaction amount, with a minimum fee of $0.0025
Qualified developers can apply for the following monthly volume discounts for credit card transactions:
- 2.5% + $0.30 per transaction for payment volume from $3K- $10K
- 2.2% + $0.30 per transaction for payment volume from $10K – $100K
- 1.9% + $0.30 per transaction for payment volume over $100K
Note: This fee schedule is for payments by US customers only. You can allow non-US customers to pay using credit cards (not Amazon Payments balance transfers or bank account at this time) for an additional charge of 1% of the transaction amount.
If you (as the caller) choose to pay the transaction fees described above (vs. choosing to have the recipient pay), Amazon FPS will charge your Amazon Payments account balance during each transaction to collect the appropriate fee. You may view your Amazon FPS transactions and charges by going to the Amazon Payments website.
Q: How do I apply for volume discounts for credit card payments?
If you maintain an Amazon Payments account in good standing and you receive more than $3,000.00 worth of credit card transactions per month for three consecutive months, you may qualify for lower credit card transaction fees.
If you qualify and wish to request the lower fees, please send an e-mail to firstname.lastname@example.org requesting discounted credit card pricing. In your e-mail, please be sure to include the following:
- a brief description of your application
- the nature of business
- your AWS Access Key ID
- the e-mail address associated with that key
- the dollar value of credit card transactions you processed through Amazon FPS each month over 3 consecutive months
We will review your request and if approved, we will notify you of the new rate plan.
Q: Who pays the fees for Amazon FPS transactions?
Amazon FPS is flexible and allows the developer to define which party pays the transaction fees. Either the caller (the application using Amazon FPS to transact) or the recipient (the person or application receiving the payment) pays the transaction fees. Senders cannot be charged Amazon FPS transaction fees.
Q: How do I let my customers paying me know I accept Amazon Payments?
You can add an Amazon Payments mark to your website to let your buyers know you accept Amazon Payments. You’ll find tools for adding the Amazon Payments mark in the Marketing Toolkit, which has additional resources such as sample e-mails, payment marks, and graphics.
Q: Where can my customers paying me view their Amazon Payments transactions?
You customers can see the status of their transactions and the transaction history on the Amazon Payments website.
Q: Can buyers see their Amazon Payments transactions on the Amazon.com site?
No. Buyers view all their Amazon Payments purchases on the Amazon Payments website.
Q: Can I still offer my current payment method?
Yes. Amazon Payments is simply an additional payment method that you can add to your current checkout process.
Q: What can I do with FPS that I could not do before?
Amazon FPS offers you unmatched flexibility in how you can structure payment instructions, including standing instructions that can remain in place for multiple transactions. These instructions impose conditions and constraints on money movements and can be set by both senders and receivers of funds. For example, a sender might set a spending limit per week for a particular named recipient. Only that named recipient would be able to receive funds and only up to an amount per week equal to the spending limit. A piece of FPS functionality called the GateKeeper automatically enforces the constraints you set in the payment instructions. When the sender or receiver is a computer system, payment instructions are set programmatically using Amazon FPS APIs. Amazon FPS also provides a simple set of user interfaces that humans can use. From the users’ point of view, they simply see terms of service and a request to accept those terms. You are free to set up a virtually unlimited number of payment instructions. This makes it possible, for example, to have a different set of payment instructions for each party you do business with. You can create payment instructions that are as simple or complex as you desire. For example, creating a relatively complex business model around micro-payments is easy to do with Amazon FPS.
Q: What makes Amazon FPS a trusted platform for payments?
Amazon has spent over a decade developing, testing, and operating a robust payments infrastructure to support millions of daily transactions. Amazon FPS allows you to benefit from these highly reliable, scalable, and safe systems. Amazon FPS provides you and your customers the same trusted payment experience available on Amazon today, leveraging Amazon’s proven fraud detection capabilities, chargeback controls, and risk management techniques.
You can feel safe and secure while your customers are shopping at your store. Amazon Payments is backed by Amazon’s leading fraud protection technology. Under our Payment Protection Policy, we will not hold you liable for fraud-related chargebacks if you and the transactions meet all the requirements of the Policy. You are still liable for chargebacks if you fail to deliver purchased items or you deliver defective items. Please see our User Agreement for details.
Q: What is the Amazon Payments Buyer Dispute Program?
We want buyers to purchase with confidence when using Amazon Payments. However, disputes between buyers and sellers will occasionally occur. When this happens buyers should first contact sellers directly to try to find a solution. If the parties cannot resolve their dispute, the Amazon Payments Buyer Dispute Program provides a mechanism to address the buyer’s complaint, including under the Amazon A-to-z Guarantee.
The Amazon A-to-z Guarantee applies to qualified purchases of physical goods. The condition of the item purchased and its timely delivery are guaranteed under the Amazon A-to-z Guarantee. For transactions that are not covered by Amazon A-to-z Guarantee, the Amazon Payments Buyer Dispute Program still allows buyers to obtain assistance in seeking the seller’s further consideration of their complaint. Amazon Payments will attempt to resolve disputes by fostering good faith communication between buyers and sellers.
Q: What’s a chargeback?
A chargeback is a reversal of payment issued by the bank when a buyer disputes a charge. A chargeback can occur when a buyer has not received the items, has been charged multiple times for a single purchase, or is dissatisfied with the purchase and has not been able to resolve a complaint with the seller.
Q: How does the chargeback process work?
Typically, a buyer contacts his or her bank to request a chargeback. With credit cards, the bank notifies the credit card association, which in turns notifies us. We work with the credit card company or bank to resolve the chargeback. We may request information from you to dispute the chargeback with the credit card association or bank.
Q: What should I do if a buyer files a chargeback for a transaction?
Amazon FPS will work with you and the buyer to resolve the chargeback. You will have 5 calendar days to respond to the chargeback notification Amazon FPS sends you and supply any requested information; otherwise the dispute is automatically granted to the buyer.
Q: What kind of documentation can I provide for contesting a chargeback?
If the chargeback is for transaction involving physical item(s), you may provide the following, but not limited to:
a. Shipping address to which the item was sent.
b. Tracking number provided by the shipment company.
c. Shipment confirmation and other order related email exchanges with the buyer.
d. Photos or URL of product list, as advertised to the buyer
If the chargeback is for the transaction involving non-physical item(s) or service, you may provide the following, but not limited to
a. Service fulfillment receipts, invoices etc.
b. System logs confirmation successful download.
c. Periodic invoices generated indicating the buyer’s usage information.
Q: What are the best practices to follow if I want to avoid chargebacks?
1. Charge buyers once for a single order to avoid duplicate billing. If you receive two or more identical orders, verify the information with the buyer.
2. Avoid dissatisfaction with item quality by providing a detailed description of items on your website, including specifications, measurements, and capabilities. Other aids such as audio, video, photographs, or drawings are also helpful.
3. Make the shopping experience positive for your buyers by:
a. Providing help when your buyers have questions or need assistance.
b. Communicating effectively with your buyers on when an order will ship.
c. Making sure that items are delivered promptly without damage.
d. Shipping items with carriers who provide online item tracking and require signatures on delivery.
e. Responding promptly to e-mail from your buyers.
f. Publishing your policies for cancellations and returns to avoid chargebacks.
g. Refunding an order when it is necessary to do so.
Q: How do I refund a payment?
Go to Payments.amazon.com and view the transaction on your account history tab. Click Refund, button next to the transaction that you want to refund.
Q: What are the requirements of the Amazon A-to-z Guarantee?
The item must be purchased from a seller using Amazon Payments. The buyer must wait 15 days from the order date to submit a claim. From that point, the buyer has 90 days to submit a claim.
If the buyer has received a materially different item, they must contact the seller within 7 days of receipt to request return information. If the item becomes defective more than 30 days past the shipment date and it is under warranty, the buyer must contact the manufacturer for repair or replacement. The buyer must provide all information required when they submit their claim.
If the buyer paid by credit card, and the issuing bank has initiated a chargeback, then the buyer is not eligible for coverage under the Amazon A-to-z Guarantee
Q: What countries are covered by the Amazon A-to-z Guarantee?
Amazon Payments sellers and buyers who reside in the following countries are covered under our A-to-z Guarantee: Australia, Belgium, Brazil, Canada, Denmark, Finland, France, Germany, Great Britain, Hong Kong, Iceland, Ireland, Italy, Japan, Republic of Korea, Mexico, Netherlands, New Zealand, Northern Ireland, Norway, Portugal, Scotland, South Africa, Spain, Sweden, Switzerland, the United Kingdom, and the United States. (Note: U.S. protectorates, including Puerto Rico, U.S. Virgin Islands, Guam, American Samoa, APO/FPO, and so on, are also supported by Amazon Payments.)
Q: When is a buyer covered under the Amazon Buyer Dispute Program?
The Buyer Dispute Program applies when the buyer used Amazon Payments to purchase a non-physical item or service from a seller, and either the buyer paid the seller for the item or service, but it was not delivered, or the buyer received the item, but the item is materially different than the way the seller described it.
The A-to-z Guarantee only applies to the purchase of physical goods. Therefore, the following items are not covered by the Amazon A-to-z Guarantee: payments for services, digital merchandise, and cash equivalent instruments (including retail gift cards). The Amazon Payment Dispute Program does not apply to unlawful or prohibited items (including items violating the Amazon Payments Acceptable Use Policy or our User Agreement).
Q: How much coverage will buyers receive under the Amazon A-to-z Guarantee program?
Buyers who pay for qualified physical goods using Amazon Payments are eligible to receive up to $2,500 of the purchase price, including shipping charges.
Amazon has built up a base of millions of satisfied customers over the years through an intense focus on being responsive to their concerns and acting quickly to resolve any outstanding problems. The vast majority of customers never need to use the A-to-z Guarantee reimbursement program, but for those who do, the guarantee claim gives customers a greater sense of trust and confidence in shopping from the broad range of sellers.
Q: How do buyers file a claim?
Buyers may submit a complaint by logging into their Amazon Payments account. For disputes involving physical goods that are covered under Amazon A-to-z Guarantee, we will process a submission as an A-to-z Guarantee claim. Buyers also can submit an A-to-z Guarantee claim by viewing the specific transaction details via Your Account on the Amazon Payments website. From the transaction or order details page, they can also click “Problem with this transaction?” or “Problem with this order” to file claim.
Q: Can buyers cancel a pending claim?
Yes. Buyers can contact us to indicate that the transaction has been resolved or simply reply to our initial claim confirmation e-mail. Sellers are not able to withdraw claims filed by a buyer. Sellers must contact the buyers and encourage them to write to us to request that we revoke or cancel a pending claim. If a resolution is reached after a claim check was sent, we ask buyers to contact us to make arrangements for repayment. In such cases, Amazon Payments reserves the right to charge the credit card used for the transaction.
Q: A buyer filed a dispute against me—now what do I do?
When a buyer files a dispute, we will notify you by e-mail. Based on the notification, you may choose to refund the transaction amount to the buyer or you can contest the dispute by providing details of proof of delivery of service or goods within 5 calendar days. Amazon FPS will act an intermediary to resolve the dispute based on the information provided by you.
Q: What are the best practices to follow if I want to avoid claims?
1. Answer all buyer contacts (e-mails) promptly.
2. Refund as soon as possible when you become aware of product defects or recalls.
3. Describe products accurately and provide clear images.
4. Pick, pack, and ship securely. Don’t skimp on packing.
5. Be sure you deliver within the shipping estimate you provided.
6. Keep the buyer informed about shipment and applicable order fulfillment status. Work with buyers to resolve their negative order experiences.
7. Promptly cancel any out-of-stock orders.
8. Post a clear returns policy. Respond to return requests promptly with detailed instructions.
Amazon FPS may be used to sell physical goods, digital goods, and services. You should review the Acceptable Use Policy for a list of prohibited items.