Online retail giant Amazon states on its website: “You can split payment between one of the accepted credit or debit cards and an Gift Card, but you can’t split payment among multiple cards.” Amazon also prevents customers from splitting payment between credit cards and prepaid Visa, Mastercard and American Express cards. Technology, security and expense are among the probable stumbling blocks preventing e-commerce sites from supporting multiple-card payments, experts say. While retailers accept a growing array of payment forms, and some brick-and-mortar stores do accept multiple cards for one transaction, shoppers are hard-pressed to find online stores that will allow them to combine two or more cards for one sale. “In the 17-plus years I’ve been involved with online payments, I’ve never seen a single shopping cart offer me the option to use multiple credit cards at checkout,” said Rey Pasinli, executive director at payment processing company Total-Apps, in a previous interview. Of the 10 e-commerce retailers spot-checked, we were only able to find one that did ( see chart below). Internet stores may allow you to combine a gift card with a credit card when you make a purchase, but they rarely let customers use two credit cards, or a credit and debit card mix, to do the same. Most online merchants won’t allow you to split your payment. This is for a few reasons: technology and verification, mostly, when the payment method is being processed. Seems like a good solution, right? Probably not.įor the most part, though retailers permit split payments in person, they don’t accept them online. Since your credit card balance has grown uncomfortably high, you decide to split the payment between that card and the debit card from your bank, where the balance is uncomfortably low. You quickly click it into the shopping cart. You’re shopping online and find the perfect wedding gift for your friends, and it’s on sale.
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