Overview

Keeping your payment card information current in Seller Central is essential for maintaining uninterrupted access to your Amazon seller account. If your card expires, gets declined, or needs to be replaced, Amazon requires you to update it before you can continue selling. This reference guide walks through the process of adding, updating, and managing credit or debit card details across your seller account and multiple marketplace stores.

Key Points / What Sellers Need to Know

• Expired or declined cards block account access - Amazon will prompt you to enter new payment information before you can use your seller account if your current card is no longer valid.
• Card detail mismatches cause declines - Any discrepancy between the information you enter and what your bank has on file can result in the card being rejected, potentially delaying payments.
• Updates take up to 48 hours - After submitting new card information, it can take up to two business days for the changes to fully propagate across your seller account.
• Security verification may be required - Your bank may present a security challenge to confirm you are the cardholder, and this verification can occur separately for each card and each marketplace store.
• One card covers all stores by default - In a unified account, the card entered for one store automatically applies to all stores unless you specifically set up an exception.

How the Update Process Works

To update your credit or debit card, navigate to the Account Info section within Seller Central and locate the charge method settings. From there, you can choose to replace your current card by either entering a brand-new card or selecting a previously saved card from your account. When entering card details, it is critical to input the information exactly as it appears on your card statement to avoid mismatches that could trigger a decline. Note that you cannot delete a card that is currently set as your designated charge method — you must first assign a different card before removing the old one.

Authorization Holds and Verification

When you add or update a card, Amazon may request your financial institution to authorize a temporary hold of up to one dollar. This is not an actual charge — it is simply a verification step to confirm the card is valid. The authorization applies across all stores where you are registered to sell. For example, if you have one card for your Amazon.com account and a separate exception card for Amazon.ca, both cards will undergo the authorization when either one is updated. Depending on your bank, this hold may appear as a pending transaction on your statement and should disappear within three to five business days.