Amazon Recurring Payment: How to Manage and Cancel Automatic Charges

Recurring payments can be a great convenience—or a hidden source of costs on your business or personal finances. If you’re using Amazon services regularly, you may already be enrolled in an Amazon recurring payment without even realizing it.

This guide covers how Amazon recurring payment works, how to manage your monthly subscriptions, cancel unwanted charges, and stay in control of Amazon automatic payments. We'll also discuss how Wise Business can help your company scale globally.

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What Is an Amazon Recurring Payment?

An Amazon recurring payment is any automatic charge billed to your credit card, debit card, or connected business account on a regular basis. These payments are commonly used for:

• Amazon’s Prime membership
• Kindle Unlimited or Audible subscriptions
• AWS (Amazon Web Services) usage plans
• Subscribe & Save deliveries
• Third-party services using Amazon Pay
• Seller or advertising fees in the Amazon marketplace

Once you authorize a payment method, Amazon or a third-party vendor can charge you on a schedule, such as monthly, annually, or by usage.

Where to Find and Manage Amazon Monthly Payments

Amazon separates its recurring charges into two main areas.

Subscriptions Through Amazon.com

This includes anything Amazon bills directly to you, like Prime, Music Unlimited, or Kindle services.
To manage Amazon monthly payments:¹

1. Sign in to your Amazon account
2. Go to Your Memberships & Subscriptions
3. View all active subscriptions, including renewal dates and billing info
4. Select any subscription to change the payment method or cancel it
5. To cancel, click the Cancel link on the Details page
6. Click Confirm cancellation

Amazon Pay Agreements with External Vendors

Amazon Pay lets you purchase goods or services from other businesses using your Amazon account. If you’ve signed up for a digital service, app, or SaaS tool, the vendor may bill you via Amazon Pay.

To manage these:²

1. Visit pay.amazon.com
2. Log in to your account
3. Click on Merchant Agreements
4. Select any agreement and click Details & Support

These agreements can remain active even after a free trial ends, so it’s worth reviewing this section regularly.

How to Manage Amazon Monthly Payments

If you’re no longer using a service, or never meant to subscribe long term, it’s easy to stop future charges.
Here’s how to cancel Amazon Pay agreements::²

1. Go to pay.amazon.com
2. Sign in
3. Under Merchant Agreements, locate the vendor you want to cancel
4. Click Details & Support
5. Select Cancel Agreement and confirm

Note: Canceling a merchant agreement prevents future charges but doesn’t refund past ones. You’ll need to contact the vendor directly for any refunds.

How to Cancel Continuity Subscription Merchants

Many online services use what’s called a continuity model, where you sign up for a free trial and get automatically billed later unless you cancel in time.

Here’s how to cancel continuity subscription merchants via Amazon Pay:

1. Visit pay.amazon.com and go to Merchant Agreements
2. Locate the merchant agreement and click Details & Support
3. Under Manage merchant agreement, click Cancel agreement
4. Click Cancel agreement in the dialog box

It’s a good idea to set a calendar reminder whenever you start a free trial to avoid unexpected charges.

What About Amazon Automatic Payments for Sellers?

If you’re an Amazon seller, your account is likely linked to Amazon Marketplace payments that occur automatically.³ These include:

• Monthly Professional Seller plan fees
• Referral fees and FBA (Fulfillment by Amazon) charges
• Advertising costs
• Reimbursements and disbursements

Amazon typically deducts these from your seller earnings or charges your registered payment method. To monitor or update this:

1. Log in to Seller Central- https://sellercentral.amazon.com
2. Go to Settings ≻ Account Info ≻ Charge Methods
3. Review linked cards or bank accounts
4. Use the Reports ≻ Payments tab to track charges and disbursements

Keeping an eye on Amazon automatic payments helps make sure you’re not eating into your margins with unnoticed recurring costs.

How Currency Affects Recurring Payments

If you’re marking or receiving an Amazon recurring payment in a different currency from your local one, exchange rates and foreign transaction fees can come into play.

Some scenarios to watch for:

• Amazon Pay vendors in other countries: You may be billed in GBP, EUR, or another currency depending on the merchant’s location.
• Marketplace sellers receiving cross-border payouts: Funds may be converted before reaching your local account.
• AWS billing in USD while your business operates in another currency: Banks may apply unfavorable rates or extra charges.

To reduce unnecessary costs, consider using a multi-currency business account that lets you hold and pay in multiple currencies. That way, you can avoid forced conversion and track spending more transparently.

Tips for Avoiding Unwanted Charges

While managing recurring payments helps you avoid paying for unused services, it’ll also help you create a better system to stay in control in the long run. Here are some best practices.

Tips	Description
Do a Monthly Subscription Audit	Block out 10 minutes each month to review active subscriptions on Amazon and Amazon Pay. Ask yourself: 1. Do I still use this 2. Is there a cheaper alternative? 3. Am I paying in the right currency?
Label Charges Clearly	In your bookkeeping or accounting platform, tag recurring charges with clear labels like “AWS Subscription,” “Amazon Pay - App Tools,” or “Prime - Business Use.” This helps you easily identify which ones are essential and which ones are optional. You don’t want to pay for an unnecessary Amazon recurring payment.
Use Alerts and Reminders	Set alerts on your calendar or through your financial tools to remind you before major renewals. This will give you time to evaluate whether the service is still valuable.
Separate Personal and Business Payments	If you’re managing both personal and business expenses through Amazon, make sure to use different payment methods or accounts to simplify tracking and reconciliation.

Real-World Scenarios: When to Revisit Your Amazon Recurring Payments

An Amazon recurring payment can be easy to forget about or turn a blind eye to. But there are certain points when reviewing or adjusting them becomes crucial. Here are a few scenarios where checking your subscriptions and automatic payments can help save money and reduce stress.

You’re Scaling Your Business or Team

If you’re growing your Amazon-based operations, it’s worth checking if you’ve outgrown existing services. Upgrading your plan or changing providers may make more financial sense.

You’re Closing a Project or Product Line

Winding down a campaign or retiring a project? Check that any associated Amazon automatic payments (ads, product listings, analytics tools) are cancelled or paused.

You’re Auditing Finances for Tax Season or Reporting

When preparing your taxes, Amazon Marketplace payments and Amazon Pay charges may fall under different categories. Take time to tag and label recurring expenses to help make reporting easier.

You’re Expanding Internationally

Operating across borders can introduce new billing methods, tax implications, and currency issues. Amazon may charge you in USD, GBP, or EUR, depending on the service or vendors. This is an ideal time to consolidate subscriptions and review your payment setup.

Final Thoughts

An Amazon recurring payment can be a double-edged sword—convenient when managed well, but costly if ignored. Whether you’re dealing with Prime renewals, app subscriptions, or Amazon Marketplace payments, understanding where your money is going is important.
With a little maintenance, you can easily manage Amazon monthly payments, cancel unwanted services, and keep your finances running smoothly.

Save Time and Money On Overseas Payments With Wise Business

Wise Business can help you save big time on international payments.

Wise is not a bank, but a Money Services Business (MSB) provider and a smart alternative to banks. The Wise Business account is designed with international business in mind, and makes it easy to send, hold, and manage business funds in currencies.

Signing up to Wise Business allows access to BatchTransfer which you can use to pay up to 1000 invoices in one go. This is perfect for small businesses that are managing a global team, saving a ton of time and hassle when making payments.

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Some key features of Wise Business include:

• Mid-market rate: Get the mid-market exchange rate with no hidden fees on international transfers

• Global Account: Send money to countries and hold balances in multiple currencies, all in one place. You can also get major currency account details for a one-off fee to receive overseas payments like a local

• Access to BatchTransfer: Pay up to 1000 invoices in one click. Save time, money, and stress when you make 1000 payments in one click with BatchTransfer payments. Access to BatchTransfer is free with a Wise Business account

• Auto-conversions: Don't like the current currency exchange rate? Set your desired rate, and Wise sends the transfer the moment the rate is met

• Free invoicing tool: Generate and send professional invoices

• No minimum balance requirements or monthly fees: US-based businesses can open an account for free. Learn more about fees here

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Sources:

Managing Subscriptions and Recurring Payments | Amazon Pay
Managing Recurring Payments| Amazon Pay
Account Settings | Amazon Seller Central