Amazon PayCode: Buy Online, Pay Cash in 24–48 Hours
In a world where digital payments dominate, Amazon is offering a throwback option by introducing cash payments for online orders through Amazon PayCode — a modern way to pay in person for digital purchases.
Amazon continues to innovate by giving customers more ways to shop conveniently and securely, standing out from other eCommerce players by making online purchases accessible even to those without credit cards.
Currently available in 20 countries, Amazon PayCode aims to expand its reach and offer more shoppers the freedom to pay how they prefer.
As Amazon adds new, customer-focused services, it encourages more businesses to join the online space, intensifying competition. Staying ahead in the eCommerce world now means adapting quickly and staying one step ahead of your competitors.
In this guide, we’ll break down exactly what Amazon PayCode is, how it works, and where shoppers can access this cash payment option today.
What Is Amazon PayCode?
Amazon PayCode is a payment option that allows shoppers to pay with cash for their Amazon orders. Instead of using a credit or debit card, customers can pay at a local Western Union branch.
This payment method connects Amazon shoppers to around 15,000 Western Union locations globally. Additionally, Amazon Cash remains available at over 100,000 cash-loading points in the U.S., letting users add cash to their Amazon accounts for future orders.
When selecting PayCode at checkout on Amazon’s U.S. site, customers receive a QR code to take to a Western Union location for payment. Once the payment is made, Amazon ships the order.
At launch, Amazon provided a 48-hour payment window for PayCode orders — giving shoppers ample time to complete their payment and lock in their purchase.
Amazon PayCode in the U.S.
When PayCode debuted in the U.S., the payment window was shortened to just 24 hours, reflecting the country’s faster shipping standards and customer expectations.
Although the U.S. market relies heavily on digital payments, cash transactions are still common. According to the Federal Reserve Bank of San Francisco, cash accounts for about 39% of payments made in physical stores.
Previously, Amazon’s Cash service let customers load funds onto their Amazon accounts at popular chains like CVS, Rite Aid, GameStop, and 7-Eleven.
Amazon PayCode takes it a step further, offering a more convenient model where shoppers can select and confirm their orders online, then pay the exact amount at a nearby Western Union branch. Conveniently, 80% of Americans live close to a Western Union location.
Online shopping is no longer a luxury — it’s an essential option, especially during the pandemic, offering budget shoppers lower prices and access to a broader range of products.
Services like Amazon Cash and PayCode make it easier to consolidate purchases online and avoid multiple shopping trips, while still using cash.
How Does Amazon PayCode Work?
Step 1 – Check Availability
When placing an order, look for the “Use Amazon PayCode” option during checkout. If it’s offered in your area, it will appear alongside other payment choices.
Step 2 – Verify Your Identity
To complete the payment at Western Union, you’ll need to provide valid identification, usually a photo ID. Your order total will be displayed in your local currency for accuracy.
Step 3 – Receive a QR Code
After confirming your order, Amazon will send you a QR code and step-by-step instructions for making your payment at a participating Western Union location.
Step 4 – Pay at a Western Union Branch
Take your QR code and ID to a nearby Western Union branch. Let the agent know you’re making an Amazon order payment. After you pay, you’ll receive a receipt, which you should keep until your order arrives.
You’ll also get a confirmation email from Amazon once your payment is processed, followed by your shipment details.
Important Information: Amazon PayCode Q&A
1. How Long Do You Have to Pay?
In the U.S., you have 24 hours to complete the payment. In other countries where PayCode is available, you’ll have up to 48 hours
2. Are There Extra Charges?
For international orders, Amazon applies applicable import fees and taxes at the time of checkout.
3. Can You Request Returns or Refunds?
Yes. Amazon allows PayCode customers to request a refund through the website. You can collect your refunded cash at a Western Union branch by providing your QR code and photo ID, once Amazon confirms the return
Where Is Amazon PayCode Available?
As of now, Amazon PayCode is active in 20 countries, including:
Barbados, Chile, Colombia, Costa Rica, Federated States of Micronesia, Hong Kong, Indonesia, Kazakhstan, United States, Malaysia, Marshall Islands, Mauritius, Palau, Peru, Philippines, Kenya, Taiwan, Tanzania, Thailand, and Uruguay.
Unfortunately, it’s not yet offered in Spain, but updates will be shared if that changes.
Amazon PayCode vs. Amazon Cash
While both Amazon Cash and PayCode cater to cash-based transactions, they differ in how they work.
Amazon Cash lets customers pre-load cash into their Amazon accounts before placing an order. In contrast, PayCode lets you shop first and pay later.
Another difference is the payment location. Amazon Cash uses a wider range of retail partners, while PayCode only accepts payments through Western Union branches.
It’s also important to note that cash deposits for Amazon accounts are capped at $500 USD or $5,000 USD pesos.
Why Amazon Launched PayCode and Cash Services
Amazon’s primary goal is to offer customers as much convenience and flexibility as possible.
The company believes cash will remain relevant alongside digital payments. By launching PayCode, Amazon ensures shoppers who prefer cash payments can still enjoy the benefits of online shopping.
Whether it’s through PayCode, Amazon Cash, or regular card payments, Amazon continues expanding its services to attract a broader, global audience.
Western Union’s Role in Amazon PayCode
Partnering with Amazon allows Western Union to leverage years of investment in global payment solutions. This collaboration aligns with their mission to simplify in-person payments for digital transactions and support Amazon’s international growth.
Final Thoughts
Amazon PayCode introduces a fresh way to cater to shoppers who prefer cash, using QR code technology and real-time notifications for a smoother in-person payment experience.
Western Union’s infrastructure positions it as a reliable partner for global eCommerce services like Amazon, supporting both companies’ long-term growth strategies.
Would you give this cash payment option a try or recommend it to others? It could be a smart alternative for anyone hesitant about digital payments.
