Overview

Understanding how Amazon transfers funds to your bank account is fundamental to managing cash flow as a seller. Amazon uses a structured payment process that settles your account balance on a regular cycle and sends funds electronically to your designated bank account. This reference covers the transfer method, processing timelines, and bank account requirements every seller should know.

Key Points / What Sellers Need to Know

• ACH or Electronic Funds Transfer — Amazon sends payments to your bank account using Automated Clearing House (ACH) transfers or equivalent electronic funds transfer methods, depending on your region.
• Up to Five Business Days — After Amazon initiates a payment, it can take up to five business days for the funds to appear in your bank account. Weekends and holidays are not counted.
• Multiple Payment Sources — Your bank statement may show Amazon payments arriving from more than one source entity, which is normal and expected.
• Two Payment Entities — Amazon Services LLC handles payments for standard transactions where buyers pay before or at the time of shipment. Amazon Payments LLC handles transactions where buyers agree to pay after shipment or service completion.
• Bank Account Required — You must have a valid bank account registered as the deposit method in your Seller Central account settings. Credit cards and online payment services like PayPal are not accepted.

How the Payment Process Works

Amazon operates on a regular settlement cycle, typically every 14 days for most sellers, though those with a longer track record may qualify for more frequent disbursements. When your account reaches a settlement date and carries a positive balance, Amazon initiates the transfer automatically. The funds move through the ACH network, which is the same system banks use for direct deposits and bill payments across the United States. International sellers may see transfers processed through equivalent electronic systems in their respective countries. It is important to note that the five-business-day timeline begins when Amazon initiates the payment, not when your settlement period ends, so there can be a short additional delay between those two events.