Why Amazon India Doesn’t Accept Diners Club International Credit Card
Amazon India, one of the largest e-commerce platforms in the country, offers a wide range of payment options to its customers. However, one notable exception is the Diners Club International credit card. Despite being a globally recognized card, it is not accepted by Amazon India. This has led to many questions and speculations among users. In this article, we delve into the reasons behind this exclusion and provide a comprehensive understanding of the issue.
Understanding Diners Club International
Diners Club International, founded in 1950, is a charge card company owned by Discover Financial Services. It was the first independent credit card company in the world, and it established the concept of a self-sufficient company producing credit cards for travel and entertainment. Despite its global presence and acceptance in over 185 countries, it is not accepted by Amazon India.
Why Amazon India Doesn’t Accept Diners Club International Credit Card
The primary reason for Amazon India not accepting Diners Club International credit cards is due to the payment gateway and processing fees. Payment gateways are services that authorize credit card payments for online and offline businesses. They are the equivalent of a physical point of sale terminal in a retail store.
Diners Club International, being an international card, has higher processing fees compared to other domestic cards. This is because international cards involve more risk, including currency conversion and the potential for fraud. As a result, the transaction fees charged by Diners Club International are higher than those charged by other cards.
Amazon India, like any other business, aims to minimize its operational costs. The higher transaction fees associated with Diners Club International cards would increase Amazon’s costs, which is likely why the company has chosen not to accept these cards.
What Are the Alternatives?
While Diners Club International cardholders cannot use their cards on Amazon India, there are several alternatives available. Amazon India accepts a wide range of other payment methods, including Visa, MasterCard, American Express, and RuPay cards. Additionally, customers can also use net banking, UPI, and Amazon Pay balance for their transactions.
Conclusion
While it may be inconvenient for Diners Club International cardholders, the decision by Amazon India to not accept these cards is a business decision likely driven by the desire to minimize costs. However, with a wide range of other payment options available, customers can still enjoy a seamless shopping experience on Amazon India.
