Amazon Pay for Delaware LLC.
Let Amazon customers check out on your website. We explain exactly how to open a Amazon Pay account with your Delaware LLC, what documents you need, how long approval takes, and whether non-US founders are accepted. Last updated: June 4, 2025.
Quick answer: Can a Delaware LLC open a Amazon Pay account?
Yes. A Delaware LLC can open a Amazon Pay account. Amazon Pay is difficult for non-US founders and typically requires an in-person visit or US work authorization. Approval takes 3 to 7 business days. You need your Delaware Certificate of Formation, EIN confirmation letter, government-issued photo ID, and 4 additional documents. There are no monthly fees.
Amazon Pay for Delaware LLC — key facts at a glance.
Why Delaware LLCs choose Amazon Pay.
Last updated: June 4, 2025
Amazon Pay is a payment processing service that allows customers to use their existing Amazon account credentials to make purchases on your website. For Delaware LLCs, Amazon Pay is valuable because it reduces checkout friction — customers do not need to enter their payment or shipping information, which increases conversion rates by 10-20% according to Amazon's data. Amazon Pay charges 2.9% + 30¢ per domestic transaction and 3.9% + 30¢ for cross-border transactions. Payouts are deposited to your linked US bank account within 3-5 business days. Amazon Pay is available for e-commerce businesses, digital goods sellers, and subscription services. It integrates with Shopify, WooCommerce, BigCommerce, Magento, and custom websites.
Founded in 2007 and headquartered in Seattle, Washington, Amazon Pay has built a reputation as delaware llcs with e-commerce stores that want to increase checkout conversion by letting customers use their amazon accounts. For Delaware LLCs specifically, Amazon Pay offers good compatibilitybecause it was built for modern businesses and accepts digital documentation.
The main challenge for non-US founders is eligibility. Amazon Pay typically requires a Social Security Number or ITIN, and non-US founders often need to visit a branch in person. This makes it difficult for founders who do not live in the United States or do not have US work authorization.
When you work with DelawareLLC.co, your specialist helps you prepare every document Amazon Pay requires, reviews your application before submission, and troubleshoots if the bank requests additional information. We have helped hundreds of Delaware LLCs open Amazon Pay accounts, and we know exactly what each bank looks for.
Delaware LLCs enjoy unmatched legal credibility because of the state's Court of Chancery and century-old corporate law framework. Investors, venture capital firms, and payment processors recognize Delaware as the gold standard for US business formation. However, that credibility depends on having a proper US banking footprint. When you present a Delaware Certificate of Formation but your business transactions flow through a personal account overseas, partners and investors question whether your LLC is a legitimate US entity. A US business bank account tied to your Delaware LLC reinforces your legal separation, builds business credit history, and signals to US customers, suppliers, and investors that you operate a genuine American business.
Non-US founders make three predictable mistakes when banking a Delaware LLC. The first is submitting documents that do not match exactly — using a shortened LLC name on the bank application while the Certificate of Formation shows the full legal name. Banks reject these applications automatically because their compliance software flags mismatched entities. The second mistake is applying before the IRS issues an EIN. Banks verify EINs against the IRS database in real time, and if your number is not yet active, the application fails instantly. The third mistake is using a personal bank account for LLC income, which pierces the corporate veil and exposes personal assets to business liability. These errors are completely avoidable with proper preparation.
Amazon Pay solves these problems by accepting digital documentation and verifying identity remotely. While Amazon Pay requires an SSN or ITIN, it compensates with robust in-person support and comprehensive business services that fintech banks cannot match. Specific use cases where Amazon Pay excels include e-commerce businesses processing US customer payments, SaaS companies collecting recurring revenue in USD, consulting firms invoicing American clients, and agencies managing multi-currency operations. Developers benefit from API access that automates payouts and reconciliation. Businesses that handle cash should pair Amazon Pay with a traditional bank that accepts deposits.
How to open a Amazon Pay account for your Delaware LLC.
Gather your documents
Start by collecting every document Amazon Pay requires. You need: 1. Delaware Certificate of Formation 2. EIN confirmation letter 3. US bank account for payouts 4. Active business website 5. US address 6. Tax ID (EIN or SSN) 7. Business must pass Amazon's merchant review. Double-check that your LLC name on every document matches your Certificate of Formation exactly — even a missing comma or abbreviation can trigger an automatic rejection. If you are a non-US founder, confirm whether you need an SSN or ITIN before applying. We recommend scanning everything into a single PDF so you can upload it in one session.
Complete the online application
Visit pay.amazon.com and start the application. Enter your Delaware LLC name exactly as it appears on your Certificate of Formation. Use your EIN from the IRS. Enter your SSN or ITIN. If you do not have one, you cannot complete this application and should consider Mercury or Wise instead. The application takes 10-20 minutes. Do not rush: incorrect information here causes rejection or manual review delays.
Verify your identity
Amazon Pay verifies your identity using your government-issued ID. Online application through Amazon Seller Central or Amazon Pay portal. Amazon reviews your business, website, and products. You may be asked to take a selfie or record a short video for liveness detection. Respond to any verification requests within 24 hours. Delays in response can push your approval back by several days. Make sure the ID you upload is not expired and shows your full legal name.
Wait for approval
Approval typically takes 3 to 7 business days. Rejection is common for Restricted product categories, Poor website quality or incomplete checkout, Previous Amazon account issues. During this period, avoid submitting duplicate applications — multiple submissions can flag your LLC for fraud review. You will receive an email when your account is approved. If additional documents are requested, upload them immediately through the dashboard. If approval takes longer than expected, check your spam folder for missed communications.
Fund your account
Once approved, fund your account via ACH transfer, wire, or debit card. There are no minimum balance requirements. Incoming wires are free, so you can transfer large amounts from international clients without penalty. Set up your accounting integration with QuickBooks immediately to automate bookkeeping. Order your debit card and activate it through the mobile app.
Amazon Pay pros and cons for Delaware LLCs.
Every bank has trade-offs. Amazon Pay is no exception. Before you submit your application, understand exactly what you gain and what you give up compared to alternatives like Mercury, Wise Business, and Relay. The right choice depends on whether Amazon Pay's strengths align with your business model and whether you can live with its limitations.
- Higher conversion rates (customers trust Amazon)
- No account creation needed for customers
- Amazon's fraud protection
- Integrates with major e-commerce platforms
- No monthly fees
- Voice purchasing through Alexa
- Multi-currency support
- Higher fees than Stripe (2.9% + 30¢ domestic, 3.9% + 30¢ international)
- 3-5 day payout delay
- Strict merchant review process
- Account holds for disputes
- Limited to online transactions
- No physical card reader
- Customer support can be slow
Amazon Pay vs alternatives for Delaware LLCs.
| Feature | Amazon Pay | Best alternative |
|---|---|---|
| Monthly fee | $0 | ✓$0 (Mercury, Wise, Relay) |
| Approval for non-US founders | Moderate | ✓Excellent (Mercury, Wise) |
| SSN required | Yes | ✓No (Mercury, Wise, Relay) |
| Wire fees | $0 (not available) | ✓$0 (Mercury) |
| Foreign transaction fee | 3.9% + 30¢ (cross-border) | ✓0% (Mercury, Wise, Novo) |
| Virtual cards | No | ✓Yes (Mercury, Relay, Novo) |
| Cash deposits | No | ✓Yes (Chase, BofA, Capital One) |
| Savings accounts | No | ✓Yes (Mercury, Chase, BofA) |
| API access | Yes | ✓Yes (Mercury, Wise, Brex) |
| Approval speed | 3 to 7 business days | ✓1-3 days (Mercury, Wise, Novo) |
Amazon Pay fees and pricing breakdown.
- Monthly fee: $0
- Account opening: $0
- Wire incoming: $0 (not available)
- Wire outgoing: $0 (not available)
- ACH transfers: $0
- ATM fees: $0 (not available)
- Foreign transactions: 3.9% + 30¢ (cross-border)
- Debit card: Not available
- Mobile app: No
- Multi-user access: Yes
- Check deposits: No
- Check issuing: No
- API access: Yes
- Accounting integrations: QuickBooks
Timeline: From application to first transaction.
Complete the Amazon Pay online application with your Delaware LLC documents. Time required: 10-20 minutes.
Amazon Pay reviews your Certificate of Formation, EIN, and identity documents. Additional verification may be requested.
You receive approval and account details via email. Debit cards are typically shipped within 5-7 business days.
Transfer funds via ACH or wire. Activate your debit card. Set up accounting integrations if needed.
Use your account for business expenses, receive customer payments, and build your business credit history.
Frequently asked questions: Amazon Pay for Delaware LLCs.
Can a non-US resident open a Amazon Pay account with a Delaware LLC?
No, or it is very difficult. Amazon Pay typically requires a Social Security Number or ITIN, and non-US founders usually need to visit a branch in person. Consider Mercury or Wise Business instead.
What documents does Amazon Pay require for a Delaware LLC?
Amazon Pay requires 7 specific documents for a Delaware LLC: Delaware Certificate of Formation; EIN confirmation letter; US bank account for payouts; Active business website; and US address; Tax ID (EIN or SSN); Business must pass Amazon's merchant review. The most critical document is your Certificate of Formation, which must match your LLC name exactly on the application. Your EIN confirmation letter from the IRS is mandatory — banks verify this number against IRS records, and applications without a valid EIN are rejected automatically. Non-US founders typically need additional documentation, including proof of US address and sometimes an in-person branch visit. We recommend organizing these documents in a single PDF before starting your application.
How long does Amazon Pay take to approve a Delaware LLC account?
Approval typically takes 3 to 7 business days. Online fintech banks like Amazon Pay review applications faster than traditional banks because they use automated document verification. Rejection is most common when restricted product categories. Additional verification can add 2-3 business days. If your application is flagged for manual review, respond to any document requests within 24 hours to prevent further delays. Founders who apply on Monday morning typically receive approval by the end of the week.
Does Amazon Pay charge monthly fees?
No. Amazon Pay has no monthly fees and no minimum balance requirements. You can open an account with zero dollars and maintain it indefinitely without paying maintenance charges. This compares favorably to Chase Business ($15/month unless you maintain $2,000) and Bank of America ($16/month unless you maintain $5,000). There is also no account opening fee. For a Delaware LLC operating on lean margins, zero monthly fees preserve capital for growth.
Can Amazon Pay receive wire transfers?
Amazon Pay receives wires for free. Outgoing domestic wires are also free, which is rare among US business banks. Wire transfers are the fastest way to move large sums into your Delaware LLC account from international clients or investors. Most fintech banks charge for international wires, but Amazon Pay offers competitive rates. If you expect frequent wires, compare the annual cost: at Chase, 12 incoming international wires cost $180. At Amazon Pay, the same volume costs $0.
Does Amazon Pay offer virtual debit cards?
No. Amazon Pay does not offer virtual cards. If virtual cards are important for your business, consider Mercury or Relay, both of which offer unlimited virtual cards for online spending.
Can I deposit cash into Amazon Pay?
No. Amazon Pay does not accept cash deposits. If your Delaware LLC handles cash — for example, a retail store, restaurant, or event business — you need a traditional bank like Chase, Bank of America, or Capital One that operates physical branches. Most fintech banks, including Amazon Pay, Mercury, and Wise, do not handle cash because they lack branch infrastructure. Plan to deposit cash at a traditional bank, then transfer funds to Amazon Pay via ACH.
Does Amazon Pay integrate with QuickBooks or Xero?
Yes. Amazon Pay integrates with QuickBooks. The QuickBooks connection syncs transactions automatically, categorizes expenses, and reconciles your books in real time. Developers can also use the Amazon Pay API to build custom accounting workflows. Accurate bookkeeping is essential for Delaware LLC tax compliance, and these integrations eliminate manual data entry.
What happens if Amazon Pay rejects my application?
Amazon Pay rejects applications for Restricted product categories; Poor website quality or incomplete checkout; Previous Amazon account issues. If rejected, you have three options. First, appeal with corrected documentation — fix mismatched names, add missing documents, or clarify your business description. Second, apply to an alternative like Mercury or Wise, which have broader acceptance criteria. Third, work with a DelawareLLC.co specialist who reviews your application before submission and troubleshoots rejections. The best prevention is following Amazon Pay's guidelines: ensure your website has a professional design and clear checkout.
Should I choose Amazon Pay or Mercury for my Delaware LLC?
Choose Amazon Pay if delaware llcs with e-commerce stores that want to increase checkout conversion by letting customers use their amazon accounts. Choose Mercury if you want zero fees, faster approval, and better support for non-US founders. Amazon Pay offers API access, and zero monthly fees. For non-US founders without an SSN, Mercury accepts foreign passports and approves in 1-5 days. If you need international transfers, Amazon Pay may be the better primary choice.
Tools to help you decide.
Related guides.
Opening a bank account is one of the first things you should do after forming your Delaware LLC. Start with our complete Delaware LLC banking guide for an overview of all options. Compare the best banks for Delaware LLCs, or read our guide to online business banking if you cannot visit a branch in person.
Before you apply, understand EIN requirements — you need an EIN before any bank will open an account. Learn how to set up Stripe and PayPal as payment processors that connect to your new business account. If you are a non-US founder, our non-resident guide covers banking, tax, and compliance in detail. See our cost breakdown or our pricing to form your LLC.
For specific business types, explore e-commerce banking, consulting firm setup, and SaaS startup banking. Each guide explains which bank features matter most for that industry and how to avoid common rejection reasons.
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