Amazon Pay Later is a popular “Buy Now, Pay Later” (BNPL) credit facility offered to eligible customers in partnership with lenders like Axio (formerly Capital Float) and IDFC FIRST Bank. It allows you to make purchases on Amazon and repay the amount later via interest-free or low-interest EMIs. However, not everyone wishes to continue using this service forever.

If you're no longer using Amazon Pay Later or want to avoid keeping active credit lines, you might consider closing or deactivating your Amazon Pay Later account. In this comprehensive guide, we explain how to close Amazon Pay Later, what to do before closing, its impact on your credit score, and answers to all your common questions.

What is Amazon Pay Later?

Amazon Pay Later is a digital credit facility available on Amazon India that lets customers buy products and pay for them later. Users can either pay the entire amount in the next month or convert the purchase into easy monthly installments.

Key Features:

  • Instant credit approval within minutes.

  • Credit limits of up to ₹60,000 (based on eligibility).

  • No credit card required.

  • Zero-cost EMIs on select products.

  • Credit line offered by third-party NBFCs like Axio or IDFC FIRST Bank.

While it’s a convenient tool for shopping, users who are concerned about credit exposure or want to improve financial discipline often look to deactivate it.

Why Do People Want to Close Amazon Pay Later? 

Here are a few common reasons: 

Reason 

Explanation 

Reduce Credit Dependency 

Avoid temptation of impulsive shopping on credit. 

Limit Credit Exposure 

Reduce the number of open credit accounts in your name. 

Avoid Negative CIBIL Impact 

Missed payments may hurt your credit score. 

Inactivity 

If you don’t use it anymore, closing avoids unnecessary account maintenance. 

Switching to Other Services 

Users may prefer credit cards or UPI-based options with better rewards. 

Important Things to Do Before Closing Amazon Pay Later

Before proceeding to close Amazon Pay Later, follow these pre-closure steps:

  1. Repay all outstanding dues and EMIs.

  2. Cancel any scheduled auto-debits or EMIs.

  3. Download or request a No Dues Certificate from the lender.

  4. Ensure there are no active subscriptions or pending refunds tied to Amazon Pay Later.

  5. Check your CIBIL/credit score report to verify closure after the process.

How to Close Amazon Pay Later – Step-by-Step Process

Let’s break down the entire process of closing Amazon Pay Later in detail.

Step 1: Check Your Outstanding Balance

  • Open the Amazon app or visit Amazon.in.

  • Navigate to Amazon Pay > Amazon Pay Later.

  • Click on “Statements” to view your current dues and EMIs.

  • Pay any outstanding amount before initiating the closure.

If there are any pending payments, the closure request will not be accepted.

Step 2: Contact Amazon Customer Support

You cannot close Amazon Pay Later directly from the app or website. You need to raise a closure request via Amazon’s Customer Support team.

To do this:

  1. Open the Amazon app.

  2. Tap on the Amazon Pay icon on the home screen or menu.

  3. Scroll down and select ‘Talk to Us’ under the help section.

  4. Choose ‘Amazon Pay Later’ from the list of topics.

  5. Mention: “I want to close my Amazon Pay Later account.”

The support team will check your account and redirect you to the correct lending partner—either Axio or IDFC FIRST Bank.

Step 3: Request Closure from Lending Partner

Once Amazon confirms the request, you’ll be instructed to contact your respective lending partner. You must then send them a formal closure request.

If Your Lender is Axio (Capital Float):

  • Contact Number: 080-68075001
  • Email: ask@axio.co.in
  • Working hours: 9:00 am to 9:00 pm (All days) 

If Your Lender is IDFC FIRST Bank:

  • Contact number:  1800 10 888 
  • Email: banker@idfcfirstbank.com 
  • Working hours: Available all days (24*7)

Sample Email Format to Close Amazon Pay Later

You can use the following email format when contacting your lender:

Subject: Request to Close My Amazon Pay Later Account

Dear [Axio],

I wish to close my Amazon Pay Later account associated with my registered mobile number [Your Mobile Number] and email ID [Your Amazon ID].

I confirm that all dues and EMIs have been paid in full. Kindly process my request and share the account closure confirmation and No Dues Certificate.

Thank you,
[Your Full Name]
[Amazon Registered Phone Number]
[Email Address]

Step 4: Receive Confirmation & Verify Closure

Once your request is processed:

  • You will receive a confirmation email or SMS from your lending partner.

  • It might take up to 3–7 business days.

  • You can also check your CIBIL report after 30 days to confirm the account is marked as “Closed”.