Overview

Amazon's Express Payout program allows eligible U.S. sellers to receive their funds within 24 hours instead of waiting the standard 3-5 business days through the traditional ACH payment network. The program offers two distinct options — one for bank accounts and another for Visa debit cards — each with its own eligibility requirements and transaction limits.

Key Points / What Sellers Need to Know

• Two payout options available — Sellers can choose between Express Payout to a bank account (Option 1) or Express Payout to a Visa debit card (Option 2), each with different eligibility criteria and limits.
• 24-hour fund availability — Both options deliver available seller funds within 24 hours of payout initiation, compared to the standard 3-5 business day ACH timeline.
• Bank account option is free — The Express Payout bank account program carries no additional fees for eligible sellers.
• Transaction limits apply — Bank account payouts are capped at $1 million per transaction, while Visa debit card payouts have daily, weekly, and monthly deposit caps.
• U.S. sellers only — The program is restricted to sellers with business addresses in the 50 U.S. states. Sellers in U.S. territories are not eligible.
• Automatic fallback to standard ACH — If a transaction exceeds limits or encounters issues, Amazon automatically routes the payment through the standard ACH system.

How Express Payout to a Bank Account Works

The bank account option enables deposits within 24 hours of available seller funds becoming ready for disbursement. To qualify, sellers must hold an account with an in-network U.S. bank routing number, maintain a business address in one of the 50 U.S. states, and keep individual transactions at or below $1 million. Sellers who meet all requirements can opt in through the Deposit Methods page in Seller Central. Once activated, all eligible payouts are automatically processed through the express system until the seller deactivates it. Transactions exceeding $1 million are automatically routed through the standard ACH system to prevent payment failures.