Good Evening @Seller_QaXxdRHxYypgY, it looks like you were able to get a great answer from one of our seasoned seller's @Seller_rI7BZIczK8iAC about your question of why Amazon needs a credit card on file?

If their reply helped you, feel free to mark it as “Most Helpful reply” using the 3 dots in the corner of their post. This helps other sellers find the answer to your question at the top of the post just in case they find themselves in a similar situation.

Here is some additional information around Debit and Credit cards requirements you should know when registering your card.

• We definitely accept credit cards.
• We definitely don’t accept pre-paid cards.
• Debit cards have a range of permissions/functions depending on the bank, cardholder, etc. A debit card may or may not be accepted.

We verify your credit card based on the following requirements. Violating one or more of the requirements below will result in your card being denied by Amazon.

• The number you entered should match the number on your credit card.
• The billing address you entered should match the billing address on your credit card statement.
• The CVV code you entered should match the code on your credit card.
• The card expiration date should be at least 6 months from when you add the card.
• The card holder’s name you entered should match the card holder’s name on your credit card (in the Latin-script alphabet).
• The card should not be a prepaid, virtual, or gift card.
• The card should be chargeable in the currency of the Amazon store(s) for which the card is being provided.
• The card should have adequate credit limit to pay for the charge.
• If you were asked to enter a unique security code by your financial intuition, the code you entered should match the code sent to the card holder via SMS, email, or token.

If your card meets all the requirements above but is still listed as invalid, we recommend trying a different card or contacting your financial institution for further assistance.

If you have tried at least two different credit cards that meet the requirements above and all of them were denied, reach out to Amazon Selling Partner Support for assistance.

Hopefully Brigitte and I were able to help thoroughly answer your question. Thank you for checking in with us on the Seller Forums and for choosing to sell on Amazon. Have a great rest of the week! ~ Cooper_Amazon