Flexible payment options have become a key driver of online commerce, giving consumers more control over how they finance purchases while helping merchants improve conversion rates. Buy now, pay later (BNPL) solutions have grown rapidly, prompting financial institutions and digital wallet providers to embed installment payments directly into the checkout experience. The integration of Citi Flex Pay with Amazon Pay reflects this broader shift toward offering consumers greater payment flexibility without adding complexity for merchants.
Amazon announced a partnership with Citi to allow Citi cardholders to use Citi Flex Pay with Amazon Pay.
Users will have the option to split payments into three equal monthly installments on purchases of $50 or more, six-month installments for $149 or more, or 12 month installments for $299 or more with currently promotional financing at 0% APR.
The plan will be a great opportunity for Citi and Amazon to leverage the growing buy now, pay later (BNPL) market among their massive audiences. Merchants already utilizing Amazon Pay will not have an additional fee to use this service, which is an excellent opportunity for them to attract customers who use BNPL without having to pay the high transactions fees associated with traditional BNPL vendors.
“Customers want flexible payment options and merchants want to offer that flexibility but don’t always have the resources to do so. Introducing Citi Flex Pay on Amazon Pay is a win-win for both customers and merchants—customers have a new, convenient way to pay for their purchases and merchants can seamlessly offer new and existing customers more choice, affordability, and flexibility in how they pay,” said Omar Soudodi, Director of Amazon Pay.
Sergio Zanatti, Head of U.S. Unsecured Lending at Citi, also added:
“At Citi, we are passionate about offering our customers best in class payment options so that they can pay the way they choose. We are thrilled to continue to expand our Flex Pay to Amazon Pay, providing flexibility for even more retailers and shoppers directly integrated within their checkouts.”
This will be the first time Citi card members have the ability to use Citi Flex Pay via a digital wallet.
As installment payments become an increasingly common feature of digital commerce, partnerships between financial institutions and payment platforms will continue to reshape the checkout experience. By embedding flexible financing into existing payment ecosystems, solutions like Citi Flex Pay through Amazon Pay provide consumers with more purchasing options while enabling merchants to participate in the growing BNPL market without the added costs of traditional third-party providers.
