How to Delete Amazon Pay Later Account Permanently?

Here is a step-by-step method to permanently deleting your Amazon Pay Later account. Amazon Pay Later promises organised financing, competitive Buy Now Pay Later rates, and Amazon Pay Cashback promotions.

With the RBI cracking down on Buy Now Pay Later (BNPL) service providers, many customers are trying to permanently CLOSE their accounts. Their reasons include, among other things, CIBIL Score negative effects, personal information misuse, and increased interests. As a result, we have provided you with a method to permanently delete your Amazon Pay Later account rather than just deactivating or temporarily pausing it. You can also leave it dormant because it has no disadvantages.

Before you continue, keep in mind that if you close your Amazon Pay Later account permanently, you may not be able to reinstate it. Following closure, you will see the status ‘Blocked (Locked)’ on your Amazon app in Amazon Pay under Amazon Pay Later.

Amazon Pay Later: Everything You Need to Know


Amazon Pay Later is a Buy Now Pay Later service with Axio (previously Capital Float) and IDFC First Bank as lending partners. You can pay immediately or in EMIs ranging from 3 to 12 months. The credit limit is set at 60,000.

Amazon Pay Later has good return/replacement/refund policies, allowing its consumers to have a hassle-free online shopping experience. Its late payment penalties range from ₹100 to $₹500 plus 18% GST.

When it comes to offers, they are confined to Amazon Pay services such as recharges, bill payments, travel bookings, Amazon shopping, and so on. Users typically receive it in the form of Amazon Pay Cashback. New Amazon Pay Later consumers are drawn in by attractive offers.

How to Delete your Amazon Pay Later Account Permanently?

Check out the methods for permanently deleting your Amazon Pay Later account.

Contact Amazon Customer Care

You can Contact the Amazon Customer Care Team to Delete your Amazon Pay Later Account Permanently. There is the call and chat option available. This is better than the email process.

Contact Axio (formerly Capital Float) Customer Service

If the above method does not work then go for Axio support if it is your lender. Their Working Hours are 9:00 am to 9:00 pm on All days.

Email[email protected]
Call080-68075001

IDFC FIRST Bank Customer Service

If IDFC FIRST Bank is your lender, then this is the sure shot way to Delete your Amazon Pay Later Account Permanently. You can call the IDFC FIRST Bank Customer Service team on 1860 500 9900 from 9:30 am to 6:00 pm on all working days except 2nd and 4th Saturday and Bank Holidays.

Reach out to RBI Ombudsman

If none of the above works, then the only way out is RBI Ombudsman. You can Reach out to the RBI Ombudsman and file a complaint. Simply register, give complaint details, and submit. After this, you will get a tracking ID to check the status of your complaint. You will then get an email notification once there is a reply from RBI.

Checklist to Successfully Close your Amazon Pay Later Account Permanently

Make sure that your Amazon Pay Later account is permanently closed instead of Deactivated or Temporarily Paused status by following the checklist below.

  • Clear your pending dues.
  • Check for NOC from your lending provider, which says that your Amazon Pay Later account is closed with all dues paid. It usually comes in 2-3 weeks of your account closure request.
  • After closure, your CIBIL score will go down a bit but will be back in some time.
  • Your CIBIL report may show Amazon Pay Later active as it might take 2-3 months to reflect the closure.