Amazon Pay is a payment and fraud protection service for ecommerce merchants allowing shoppers to log in with their amazon credentials and make purchases.
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Payline Data
Score 10.0 out of 10
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Payline Data is a payment gateway for online merchants, brick-and-mortal purchases, and mobile application purchases acquired by Pineapple Payments in late 2017.
I find it's extremely easy to use Amazon Pay, at least as a consumer. If you have an active Amazon account, and if you have Prime, your features (free shipping) are already connected and ready to use. The advantages are that you don't have to enter new payment info into another new e-commerce site and your Amazon Prime shipping advantages are already built into your options. At least, this has been the case for me the few times I've used it so far - on a couple of different online stores. I also had to cancel an item and the reimbursement went through quickly and easily as well.
The experience of using Amazon Pay goes really well if you have paired your Amazon account with an Alexa-enabled device.
You don't have to take out your credit card in public and you can simply complete every purchase using Amazon Pay UPI.
Amazon Pay later is one of my favorite features that I use to make any purchase on the Amazon website. It allows me to make payments even when I am short on the pocket. And the good part is that you don't have to pay any interest for this pay later amount.
In case you have received a gift voucher from your company, you can add it to your account and it will reflect in your Amazon Pay balance.
Payline Data has a great gateway and interface. Most credit card processors use a third party gateway to process payments. I liked that Payline had their own and therefore I didn't have to pay another company additional money. So this saves me money. To be honest it is a good tactical marketing advantage for them as well. If I need to log in and see transactions I log in to their site. The company that I used to work before used the third party, so I can't even remember their name as I rarely visited their site.
At first, their gateway interface was very blah. It did the trick, but it was so plain and frankly, it was ugly. They redesigned it several months ago and it looks a lot better now. Very easy to use as well.
Their API was very easy to set up. I did have a few questions about it and I was able to get very quick help.
They quickly set up my account. This was very important to me. I had tried to contact several credit card processors and had to wait for several of them to return my call. I immediately got a hold of Payline and they had the account set up quickly.
Once you have added the money to the Amazon Pay wallet, you can't transfer it to your bank account and you are not able to purchase an Amazon gift card
I only have one complaint and it is a very simple one and probably easy to fix. But I receive a daily email from them that has my automatic subscription charges that were done early that morning. It shows a summary of the charges and the declines. The declines show a detailed description of what transaction was declined. But the successful charges are not listed. I wish it would list the successful charges as well.
The only other thing I wish is, I wish they were free :). But of course, they need to make money. With that being said, I think they are cheaper than some of the ones I have used before. Especially since I use their gateway and don't pay additional gateway fees.
It's very helpful for our company. Amazon Pay is an easy use platform. Through this app, you can solve all the problems like pay electricity bills, employees salaries, and transfer money to anyone.
Amazon Pay gets a rating of 9 because it does not drastically improve the business. That said, it allows us to offer another payment method for users who trust Amazon and will always or only checkout with Amazon Pay. The support team for Amazon Pay is top-notch and will help get all issues resolved.
The User Interface of Amazon Pay is far better than any other payment gateway. Moreover, I have very less payment stuck problems with Amazon pay, and even if any payment gets stuck the issue is resolved within 48 hours of the failed transaction. I like that Amazon Pay offers rewards for every payment done which is a very cool feature that other applications often provide its users.
Honestly, I don't remember the names of the other credit card processors I have used prior to Paypal and Payline Data. I have used other merchant account services that integrate with the Authorize.net gateway. But Paypal was by far the worst. It was overpriced and integration was a mess as they themselves on their own site had outdated information. I wasn't just using Paypal's regular business account but I also had their merchant account services. Which meant I could process credit cards without people even knowing I was using Paypal. Their merchant card services were very sloppy and the API was a mess to set up. But the worst part of Paypal was their professionalism. On the other hand, Payline Data was easy to set up, cheaper to use and great personal and professional customer service. I felt very well taken care of.
Amazon Pay instantly boosted our sales when I realized that customs prefer to use it over PayPal as just about everyone has an Amazon account and it makes it easier for them to just check out using Amazon Pay.
The processing fees while higher than the others we are using are the only downside to our return in using Amazon Pay.
Customers use their Amazon logins for their Amazon pay orders and it is as hassle-free as it gets.
