Amazon PayCode : A cash based checkout option launched in US

Amazon is bringing its cash payment option for orders to the US. If you’d like to pay with physical money, you can select the PayCode option at checkout. You’ll receive a QR code and will have 24 hours to pay for the goods at a participating Western Union. If you’d like to refund an item, you can get your cash back from a Western Union too.

The two companies launched PayCode earlier this year. It’s available in 19 other countries, particularly ones in which it’s more common to pay with cash instead of a debit or credit card. Around 80 percent of Americans live within five miles of one of the 15,000 participating Western Union locations, Amazon claims. PayCode goes live in the US today, and will roll out across the country in the coming weeks.

The service itself launched earlier this year in partnership with Western Union, and was initially available in 10 markets: Chile, Colombia, Hong Kong, Indonesia, Kenya, Malaysia, Peru, Philippines, Taiwan, and Thailand. It has since expanded to Barbados, Costa Rica, Federated States of Micronesia, Kazakhstan, Marshall Islands, Mauritius, Palau, Kenya, Tanzania, and Uruguay.

Instead of using a bank card to pay for online purchases, shoppers can instead choose the PayCode option at checkout on They then receive a QR code they could take to a Western Union to pay for the items they wanted to buy.

ith PayCode, Amazon will surely be hoping to reach potential customers who typically prefer to shop at brick-and-mortar stores. However, the system may still not be viable for people who don’t have a smartphone (or a way to print a QR code) or those without photo ID — a requirement when paying for Amazon orders at a Western Union.

The company says 77 percent of US payments were made in person last year, and of those 39 percent were with cash, per the Federal Reserve Bank of San Francisco. Many people don’t have a bank account or credit card and not everyone is willing to load up a pre-paid debit card. Amazon Go grocery stores were intended to be cashless, but Amazon has started to accept physical money there.

Meanwhile, Amazon Cash is now available at more than 100,000 locations across the US, including Western Union. The service allows people to load cash into their Amazon account, offering them another payment option.

Amazon PayCode will roll out to U.S. shoppers over the next few weeks. Via: TechCrunch

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