What is B2B Prime Charge On Credit Card?

Credit card is a weapon that must be used diligently and even a single miss fire could be troubling. Is B2B Prime charge on your credit card giving you some tension you are now searching for what this means if this is genuine if you only have done this transaction and for how long has this been happening on your credit card and how can you stop this and how can you first of all know if it’s done by you or not.

B2B Prime is a program by Amazon for people who own small businesses and usually need to order to sell or purchase in bulk. This might show up as “AMZN.COM/PMTS” in your credit card statements This simply means that you have opted for Amazon B2B Prime services and have been charged by them. But if you quite clearly remember that you have not bought any such service then this could be a problem. I would also suggest you check with those who have access to your credit card like your close family or friends.

Still confused about what to do next, worry not, this guide has been specially designed for someone like you to help decide the next course of action. This guide includes the difference between legitimate and illegitimate transactions and how you can determine and if you suspect the transaction then how shall you deal with that to avoid any future damage. Let’s start to help you out.

Know The B2B Prime

Business or B2B Prime is a membership program specifically designed for Amazon Business customers. The benefits include fast, FREE shipping on eligible items, guided buying and spending visibility, and more. B2B mainly refers to the process of collecting unpaid invoices from businesses or organizations that owe money to another business. This program has been designed by Amazon by keeping in mind that business customers often buy in larger quantities and return items less from Amazon, which means they can sell more with less time and effort.

After your free trial or membership period with Amazon ends, you’ll be automatically charged for the next membership period. 

Business Prime Duo is free for Prime members buying for business. $179/year for up to 3 users. $499/year for up to 10 users. $1,299/year for up to 100 users.

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What Does B2B Prime Charge On Credit Cards Mean?

If you see “AMZN.COM/PMTS” or B2B Prime charge mentioned on your credit card and are confused, then this potentially means the below mentioned;

• An Amazon Prime yearly subscription was renewed. If you need more information, go to Manage Your Prime Membership.
• Your concerned bank has placed an authorization hold for recently canceled or changed shipments or orders. Whenever you place an order, Amazon contacts the issuing bank to confirm the validity of the payment method. Your bank then reserves the funds until the transaction processes or the authorization expires, but remember that this isn’t an actual charge. In case you cancel your order, the authorization will be then removed from your account according to the policies outlined by your bank. To remove an authorization, you may contact your bank to clarify how long they hold authorizations for your online orders.
• An order was placed by a family member, friend, or co-worker who has access to your card number.
• There are chances that some additional cards are associated with your credit or debit account.
• A back-ordered or pre-ordered item shipped.
• A gift order shipped.
• An order placed outside Amazon.com using Amazon Pay. Amazon Pay orders begin with ‘P01’ and are followed by 14 digits. In such a case, try checking your Amazon Pay Account and see your order history. For any further assistance with any Amazon Pay transactions, contact Amazon customer support.
• An order that contains multiple items has been split into multiple shipments or sent to multiple shipping addresses.
  Note: This appears on your statement as separate charges.

If the charge still remains unexplained by any of the above situations and you firmly believe that this is a fraudulent charge, I would recommend you immediately report this Amazon support as unauthorized activity in your account.

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Why Do You See The B2B Prime Charge | Explanation Of The Charge

There could be various reasons if you noticed the B2B Prime charge mentioned on your credit card;

You might wonder how this B2B Prime charge looks on your statement as at different times it shows up in a few different ways. The reasons mentioned above are sufficient enough for you to know about the charge and the nature of the charge. I would recommend you check your order history with Amazon and then cross-match with your credit card statement.

If you are sure about yourself, then try asking your family members with access to your credit card, if they ever purchased or subscribed to any form of services offered by Amazon. The purchase or subscription will be most likely the reason for the charges mentioned.

Know If The B2B Prime Charge Is Legitimate?

To confirm if the B2B charge on your credit card is legitimate;

• You must primarily contact your bank or the credit card company and ask for the verification of the transaction details. 
• Check your registered email for any receipt of purchase or confirmation from B2B Prime.

Post this, if you understand that charges are legitimate but you didn’t make any purchase and are not sure about when and who made the purchase then here are some easy steps to identify if the charge is genuine and not an unauthorized transaction:

Step 1: Checking your purchase history.

You must without any delay check your recent purchase history and see if you have made any purchases from B2B Prime. If yes, then search for the supporting email confirmation, a purchase receipt, or any such message containing some document that confirms the purchase.

Step 2: Checking the amount of the charge.

Make sure that the amount of the charge exactly matches with the purchase value. Many times additional charges like taxes or shipping charges are also levied, but only added in the final statement. Calculate and include them in. If you are still suspicious, check the currency conversions and the rates applied at the time of that particular transaction.

Step 3: Checking the time and date of transaction.

A legitimate transaction exactly shows the time and date which matches with the time and date of the purchase. If you observe any considerable difference, then this reflects its because of the delayed payment processing or some potential suspicious activity.

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Contacting The B2B Prime

Post the above-mentioned process, you have now concluded that the charges levied are  legitimate then no further action is required. But, if you’re still confused about the charge and its origin and have other reasons too to believe that it’s unauthorized then I would recommend you to immediately contact B2B Prime. As B2B Prime is a renowned company and would always be happy to help you understand the charge details and clear any other pertinent doubts.

Here’s how to contact the B2B Prime:

• Visit the B2B Prime website and find their contact details. In such cases contact details must only be trusted from official sources.
• Call the customer service number or write an email, explaining the issue. Make sure you mention all details, some screenshots could help them understand early and easily.
• If you are talking to them, make sure you don’t provide any bank details, and take your time to understand the issue briefly.

What To Do If You Suspect Fraud?

Credit card fraud is not something new we are talking about. Many folks with less knowledge or because of some lucrative offers fall prey to such fraudulent activities every other day. It’s a spam racket widely run by companies who charge them illegitimately and then perish in thin air.

B2B Prime Charge On Credit Card is one very common example, where many people are reporting the credit card charges which are not authorized by them. In case you suspect the fraud below mentioned are some steps which you can undertake further;

Contacting Your Credit Card Company

If you have confirmed that the purchase is not done by you or others with access and it’s definitely a fraudulent activity related to your credit card; 

• First and most important thing you should do is to contact your credit card company and immediately ask them to block your credit card to avoid any further unauthorized transactions. 
• To contact their customer service, look for the customer support number on your credit card or the issuer’s website, do not trust any other sources.
• Explain to them the whole situation and provide any requested documents, such as receipts or billing statements, but resist on providing any details like card number, OTP or pin of your card. 
• Your credit card company will then investigate the matter and possibly could reverse the charges also if it is confirmed as fraudulent. 
• If required, your current credit card might be canceled for safety concerns and a fresh card will be issued to you.

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Reporting Incident To The Authorities

Post your confirmation of some fraudulent charge on your credit card, reporting the same to the authorities is important as soon as possible;

• Contact your local police department or the Federal Trade Commission (FTC). 
• The FTC has a widely maintained database of many such fraudulent activities through which they can potentially help stop any future unauthorized transactions or frauds.
• Reporting the incident soon can help you protect your identity and further prevent any fraudulent transactions on your credit card.

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Conclusion

It happened to me many times when I lent my credit card to friends and family and later I forget and after some weeks or months, I get confused while viewing the credit card statement because the terms used on it are quite different and complicated to make sense of. In such cases contact your credit card provider or bank and ask for clarifications and if you find that this transaction doesn’t connect to any memory, then this could be a fraud. Ask your bank to initiate the dispute process and proceed as guided by your bank further. 

Frequently Asked Questions