Amazon Pay is widely known as a checkout and spending tool, but it also allows businesses to accept payments and hold balances in an Amazon Pay Wallet. However, withdrawing those funds to a bank account can be restrictive, slow, and costly — especially for international businesses.
In this article, we explain how Amazon Pay withdrawals work, the challenges you may face, and how alternatives like Easykonto can provide more flexibility.
Key Takeaways
Amazon Pay enables businesses to accept funds through a wallet-based system.
Withdrawing funds to a bank account can involve delays, high costs, and currency limitations.
Amazon Pay may reserve part of your balance to cover customer obligations, limiting immediate access.
Easykonto offers a more flexible alternative with multi-currency withdrawals and fewer restrictions.
Understanding Amazon Pay Wallet Withdrawals
Amazon Pay allows business users to integrate its wallet into online checkout flows and receive customer payments. Once funds accumulate in your Amazon Pay Wallet, you must follow Amazon’s disbursement process to move money to an external bank account.
For businesses that value predictable cash flow and currency flexibility, understanding Amazon’s payout rules — and the available alternatives — is essential.
Withdrawal Options Offered by Amazon Pay
Amazon Pay provides a limited set of payout options:
- Standard multi-day ACH payouts to U.S. bank accounts
- Standard multi-day payouts to bank accounts in supported regions such as the UK and EU
- Express ACH payouts in the U.S., typically arriving within one business day
Amazon Pay Wallet disbursements are processed daily, which differs from Amazon Marketplace’s longer settlement cycles. Still, payout speed and flexibility vary significantly by region.
Challenge #1: Fast Payouts Are U.S.-Centric
Amazon Pay typically processes payouts within 1–2 business days after the scheduled date. U.S.-based merchants can access faster ACH express payouts, usually arriving the next business day.
However, these fast payout options are largely unavailable outside the United States. Businesses in the UK, EU, and other regions must rely on slower, standard payout timelines.
The Easykonto Alternative
Easykonto does not rely on a single “express payout” feature. Instead, it supports fast regional payment rails designed for speed, including:
- UK Faster Payments (often same day)
- SEPA transfers in Europe (1–2 business days)
- SWIFT and other international options
This approach provides broader access to fast withdrawals across multiple regions rather than favoring one country.
Challenge #2: Limited Currency Flexibility
Amazon Pay typically settles payouts in the primary currency of your region. UK merchants receive GBP, EU merchants receive EUR, and U.S. merchants receive USD.
While Amazon Pay allows customers to pay in up to 12 currencies, incoming funds are automatically converted into your ledger currency. You cannot withdraw funds in alternative currencies, nor can you connect multiple bank accounts for different currencies.
This setup can be inconvenient for businesses that operate across borders or manage international suppliers.
The Easykonto Alternative
Easykonto provides a full multi-currency environment. Users can convert funds across 38 currency pairs and send money to external bank accounts in supported currencies.
Because withdrawals are treated as standard transactions, businesses retain greater control over currency choice and payout destination, subject to compliance and banking rules.
Challenge #3: High Transaction and Conversion Fees
Amazon Pay applies relatively high processing fees on incoming transactions, such as:
- Around 2.7% + fixed fees in the UK
- Around 3.4% + fixed fees in the EU
- Around 2.9% + fixed fees in the US
High-volume discounts may apply, but smaller businesses generally pay the full rate. Additional FX and cross-border fees may also apply before funds even reach your wallet.
While these fees don’t apply directly at payout, they increase the cost of accessing your funds overall.
The Easykonto Alternative
Easykonto aims to offer competitive inbound and outbound fees with transparent pricing.
Its built-in FX service provides real-time conversion rates, clearly showing the interbank rate and any markup before confirmation. In many cases, FX markups are significantly lower than those applied by payment wallets.
Challenge #4: Unclear Transfer Limits
Amazon Pay does not publish universal withdrawal limits, but its terms allow it to impose limits based on account performance, risk assessments, or compliance requirements.
Express ACH payouts in the U.S. are capped at $1 million per transaction, in line with same-day ACH rules. External banks may also impose their own limits.
This lack of clarity can make it difficult to plan large or time-sensitive withdrawals.
The Easykonto Alternative
Easykonto generally does not impose fixed maximum limits on transactions.
Large transfers may require additional compliance checks, and some payment networks impose their own caps, but Easykonto aims to process transactions of any size whenever possible.
Challenge #5: Reserved and Held Funds
Amazon Pay often holds part of your balance in reserve to cover refunds, chargebacks, and A-to-z Guarantee claims.
Reserve tiers, rolling reserves, and account changes can delay access to funds. New accounts may wait up to 14 days before receiving their first payout, and changing bank details triggers an additional hold period.
These policies can significantly affect cash flow, particularly for new or growing businesses.
The Easykonto Alternative
Easykonto does not typically apply reserve policies that restrict access to your balance.
While compliance checks may occasionally require additional documentation, users are notified quickly, and repeat withdrawals to verified accounts usually proceed without interruption.
How Easykonto Can Help
Easykonto offers a flexible alternative to Amazon Pay Wallet withdrawals, including:
- Multi-currency accounts supporting 30+ currencies
- Instant FX conversion across 38 currency pairs
- Access to SEPA, Faster Payments, ACH, SWIFT, and more
- Competitive fees and transparent FX pricing
- Withdrawals typically completed within 1–3 business days
- No strict internal maximum limits
Easykonto is well suited for e-commerce businesses, international sellers, and companies that need predictable access to funds across borders.
Final Thoughts
Amazon Pay is effective for accepting payments, but its wallet-based withdrawal system can introduce delays, fees, and restrictions.
For businesses seeking greater currency control, faster access to funds, and fewer payout limitations, Easykonto offers a strong alternative.
👉 Open an Easykonto account today and simplify your international withdrawals.
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