# Amazon Pay (India)

> Source: https://docs.barcoder.ai/docs/wallets/amazon-pay-india
> research date 2026-06-01 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Amazon Pay India — official](https://www.amazon.in/amazonpay/home)

## Overview

**Amazon Pay (India)** is **Amazon's Indian digital-payments service**, operated by **Amazon Pay (India) Private Limited** <sup>[1][1], [2][2]</sup>. It combines a **prepaid wallet (Amazon Pay balance), [UPI QR](https://docs.barcoder.ai/docs/standards/upi-qr) payments, bill payment via BBPS, and card-on-file checkout** — embedded in the Amazon shopping app and usable at external merchants for UPI scan-and-pay and bills <sup>[1][1]</sup>. Unlike standalone UPI giants **[PhonePe](https://docs.barcoder.ai/docs/wallets/phonepe)** and **[Google Pay](https://docs.barcoder.ai/docs/wallets/google-pay)**, Amazon Pay's wedge is **commerce + recharges/bills + cashback**, leveraging Amazon's large Indian shopping base <sup>[2][2]</sup>.

Amazon Pay India holds an **RBI Prepaid Payment Instrument (PPI) authorisation** and operates UPI as a **Third-Party Application Provider (TPAP)** through partner banks <sup>[1][1]</sup>.

## History

**2017 — Amazon Pay launches in India** <sup>[1][1]</sup>: Rolled out as an in-app wallet (Amazon Pay balance) for Amazon.in purchases, recharges, and bill payments.

**2018-2019 — UPI integration** <sup>[1][1]</sup>: Added **[UPI QR](https://docs.barcoder.ai/docs/standards/upi-qr)** via partner banks, enabling P2P transfers, merchant scan-and-pay, and external bill payment.

**2020s — financial-services expansion** <sup>[2][2]</sup>: Extended into co-branded credit cards (with ICICI Bank), Amazon Pay Later (BNPL), insurance distribution, and gold-savings, plus deeper BBPS bill-payment coverage.

## Ownership & operator

**Operating entity**: **Amazon Pay (India) Private Limited** — Indian subsidiary of **Amazon.com, Inc.** <sup>[2][2]</sup>.

**Parent group**: **Amazon** <sup>[1][1]</sup>.

**Regulator**: **Reserve Bank of India (RBI)** (PPI / payment-aggregator authorisation) + **NPCI** for UPI <sup>[1][1]</sup>.

## Technical integration

Amazon Pay India is a **commerce-embedded wallet + UPI TPAP** <sup>[1][1], [2][2]</sup>:

| Layer | Description |
|---|---|
| **Channels** | Amazon shopping app (iOS + Android) + Amazon.in web |
| **Identifiers** | Phone number + VPA + QR + card number |
| **UPI integration** | **[UPI QR](https://docs.barcoder.ai/docs/standards/upi-qr)** via TPAP / partner banks |
| **Wallet** | Amazon Pay balance (RBI-authorised PPI) |
| **Bills** | **Bharat BillPay** (BBPS) utilities + recharges |
| **Credit** | Amazon Pay Later (BNPL) + ICICI co-branded credit card |
| **Merchant** | Scan-and-pay at UPI/Bharat QR merchants + on-Amazon checkout |

## Implementations & partners

**Operating entity**: **Amazon Pay (India) Private Limited**.

**UPI partner banks**: Partner banks provide UPI PSP handles for Amazon Pay's TPAP operation <sup>[1][1]</sup>.

**Credit partner**: **ICICI Bank** (Amazon Pay co-branded credit card) <sup>[2][2]</sup>.

**Rails**: **[UPI QR](https://docs.barcoder.ai/docs/standards/upi-qr)** + **Bharat BillPay** + card networks.

**Indian competitors**: **[PhonePe](https://docs.barcoder.ai/docs/wallets/phonepe)**, **[Google Pay](https://docs.barcoder.ai/docs/wallets/google-pay)**, **[Paytm](https://docs.barcoder.ai/docs/wallets/paytm)**, **[BHIM](https://docs.barcoder.ai/docs/wallets/bhim)**, **[WhatsApp Pay](https://docs.barcoder.ai/docs/wallets/whatsapp-pay)** <sup>[2][2]</sup>.

**Regulator**: **RBI + NPCI**.

## Status

**Active** <sup>[1][1], [2][2]</sup>:
- **Amazon Pay (India) Private Limited**, subsidiary of Amazon.
- RBI-authorised PPI + UPI TPAP, embedded in the Amazon.in shopping experience.
- Spans wallet, UPI, BBPS bills, BNPL, and co-branded credit card.

## Sources

[1]: https://www.amazon.in/amazonpay/home "Amazon Pay India — official"
[2]: https://en.wikipedia.org/wiki/Amazon_Pay "Amazon Pay — Wikipedia"
[3]: https://www.npci.org.in/what-we-do/upi/product-overview "NPCI — UPI overview"

- [1] [Amazon Pay India — official][1]
- [2] [Amazon Pay — Wikipedia][2]
- [3] [NPCI — UPI overview][3]

## Source

Biography extracted from [amazon-pay-india.md](https://docs.barcoder.ai/source/wallets/amazon-pay-india). See `matrix.md` for standards-support matrix if present.