Amazon Marketplace Charge on Credit Card – What It Is and How to Handle It

Have you seen an unfamiliar Amazon Marketplace charge on your credit card statement? You may be trying to figure out where it came from, whether it’s legitimate, and what steps to take next.

Many people encounter unexpected Amazon Marketplace charges. This happens because Amazon allows third-party sellers to offer products on its platform. Even though Amazon processes the payment, the charge may appear differently on your bank or credit card statement.

Most of these charges are legitimate, but some can be unclear, surprising, or fraudulent. Knowing why Amazon Marketplace charge on credit card happen and how to handle them can help you keep your finances secure.

What is an Amazon Marketplace Charge?

An Amazon Marketplace charge appears when you buy a product from a third-party seller on Amazon. Amazon hosts thousands of sellers on its platform, allowing them to list and sell products, while Amazon handles the payment processing.

On your credit card statement, the charge might not list the exact seller name but instead show terms such as:

• AMZN Mktp US
• Amazon Marketplace
• Amazon Retail (RETA)
• Amazon Digital
• Amazon Subscription

These charges can range from as little as $5 for small items to over $2,000 for expensive electronics or furniture. If you do not recognize a charge, you must check your order history before assuming it is fraudulent.

Why Amazon Marketplace Charge on Credit Card

Let’s discuss in detail the common reasons behind an Amazon Marketplace charge on a credit card and how to handle them.

1. A Purchase from a Third-Party Seller

Amazon Marketplace consists of independent businesses selling products through Amazon’s platform. Your credit card may have been charged for that purchase if you recently placed an order, especially from a non-Amazon seller.

2. An Amazon Subscription Renewal

Amazon offers several subscription services, many of which renew automatically. If you signed up for a free trial or forgot about an active subscription, the charge may be related to:

• Amazon Prime: $14.99 per month or $139 per year
• Audible: $9.99 to $14.99 per month
• Kindle Unlimited: $9.99 per month
• Amazon Music Unlimited: $9.99 per month
• Amazon Cloud Storage: Varies based on storage plan

If unsure, check your Amazon subscriptions to see if one was renewed.

3. Pre-Authorization Hold

Sometimes, Amazon charges your credit card temporarily to verify your payment method before completing a purchase. These are known as pre-authorization holds and typically disappear within a few days.

4. Multiple Shipments and Separate Charges

If you ordered multiple items, Amazon may ship them in different packages and charge you separately for each shipment. This can make it seem like you were charged multiple times when, in reality, each charge corresponds to a different shipment.

5. A Purchase Made by a Family Member or Shared Account

If your credit card is linked to a shared Amazon account or an Amazon Household account, someone else may have used it to make a purchase. If you have kids, they may have bought digital content like movies, apps, or in-game purchases without realizing it.

To check if someone in your household made a purchase, log in to your Amazon account and review the order history.

6. Fraudulent or Unauthorized Charge

If you did not make the purchase, and no one else in your family did either, the charge could be fraudulent. This can happen if:

• Your credit card details were stolen and used for an unauthorized transaction.
• Your Amazon account was hacked, and someone placed an order without your permission.
• A scam website or third-party service made an unauthorized charge to your card.

If you suspect fraud, immediately secure your Amazon account and report the issue to your bank or credit card provider.

Amazon Charge from 440 Terry Ave N, WA 98109

Some credit card statements may show an Amazon charge linked to “440 Terry Ave N, Seattle, WA 98109.” This is Amazon’s corporate headquarters address, often appearing on bank statements instead of the specific seller’s name.

• A purchase made through Amazon.com
• Subscription renewal for Amazon Prime, Audible, or Kindle Unlimited
• A pre-authorization charge that Amazon placed on your card

If you don’t recognize the charge, check your order history or contact Amazon support for clarification.

READ: ERAC Toll Charge on Credit Card, Is it Fraud?

What to Do If the Charge is Unauthorized

If you confirm that the Amazon Marketplace charge on your credit card is fraudulent or unauthorized, follow these steps:

1. Contact Amazon Customer Support

Go to Amazon Customer Service and report the charge. If the transaction is linked to an Amazon order, they can cancel, issue a refund, or investigate further.

2. Contact Your Bank or Credit Card Provider

If Amazon confirms the charge is not linked to your account, you should report it to your bank or credit card company. Most financial institutions can:

• Block the charge and issue a refund
• Cancel your card and issue a new one to prevent future fraudulent transactions

3. Change Your Amazon Password

If you suspect your Amazon account was hacked, change your password immediately and enable two-factor authentication for added security.

4. Monitor Future Transactions

After reporting the issue, check your bank statements and Amazon order history for additional unauthorized charges.

READ: Walmart 702 SW 8th St Charge On Credit Card

How Much Can an Amazon Marketplace Charge?

The Amazon Marketplace charge varies depending on what was purchased. Here are some typical charge amounts:

• Small purchases, such as books and accessories, between $5 and $50
• Electronics and household items between $50 and $500
• Large purchases, such as furniture and appliances, between $100 and $2,000+
• Amazon subscriptions, such as Prime or Audible, are between $9.99 and $139 per billing cycle
• Pre-authorization holds vary, usually $1, $5, or the complete purchase amount

Further investigation may be required if the amount on your credit card does not match any known purchases.

READ: 1600 Amphitheatre Parkway Credit Card Charge

How to Prevent Unauthorized Charges in the Future

To avoid unexpected Amazon charges, take the following steps:

1. Review your Amazon orders regularly to confirm all transactions.
2. Check your active subscriptions and cancel any that you no longer use.
3. Enable two-factor authentication (2FA) on your Amazon account for added security.
4. Set up transaction alerts with your bank to get notified of new charges.
5. Use a unique and secure password for your Amazon account to prevent hacking.

By staying proactive, you can protect your finances and prevent unauthorized charges from appearing on your credit card statement.

READ: National Entertainment Charge on Credit Card

Conclusion

An Amazon Marketplace charge on a credit card is usually legit, but it is always essential to verify the transaction. Charges can result from recent purchases, subscriptions, or temporary holds, but if you suspect fraud, taking immediate action can help you recover your funds and protect your financial security.

By checking your Amazon order history, reviewing your subscriptions, and securing your account, you can prevent unauthorized charges and keep your financial information safe. If you still cannot identify a charge, Amazon Support, and your bank can assist you in resolving the issue.

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