Best ways to pay on Amazon, ASOS, Shein during December

In December, online purchases typically increase during the holiday shopping season, driven primarily by gift purchases, festive decorations, and parties. Many people are also in a last-minute rush to tick off some needs from their yearly plan. Many online marketplaces also run sales during this period. Amid this shopping frenzy, someone is wondering how to best pay on Amazon, AOS, and Shein this December. Between payment declines, currency conversion issues, spending limits, and high fees, we understand your frustration.

This article helps you explore your payment options for Amazon, ASOS, and Shein this December. The best ways to pay on Amazon, ASOS, and Shein in December depend on your preference for immediate payment, earning rewards, or using interest-free instalment plans.

Best payment methods for Amazon in December 2025

Amazon offers a wide range of payment options, making it easy to take advantage of holiday promotions.

Credit and debit cards

This is the most straightforward way to pay on Amazon. The payment gateway accepts Visa, Mastercard, American Express, and Discover, with no hidden fees or payment delays.

• Sign in to Amazon and navigate to "Account & Lists", then go to "Your Account".
• Select "Your Payments".
• Tao on "Add a payment method" or "Add a credit or debit card".
• Enter your card number, name, expiration date, and security code.
• Follow any further prompts to complete the process.
• At checkout, you'll see a list of your saved cards. Choose the one you want to use.

Also read: How to receive Amazon payments with Grey

Amazon gift cards

You can use Amazon gift cards for Amazon payments by redeeming the card code and adding it to your account balance. This automatically applies to Amazon purchases and Prime subscriptions. You can also manually apply your gift card balance at checkout for on-Amazon purchases,

• Go to "Redeem a Gift Card" in ‘Your Account’ and enter the code on your gift card to add its worth to your balance.
• Your gift card balance automatically applies to your eligible orders.
• If it doesn’t apply automatically, select "Use a gift card, voucher, or promo code" at checkout to apply it.
• You can split the payment between your gift card balance and another method (like a card) if the purchase exceeds your balance.

Buy Now, Pay Later (BNPL) options

Depending on your location, you can use Buy Now, Pay Later (BNPL). You can do this through services like Amazon Pay Later and Instalments by Barclays, or by linking to third-party providers such as Afterpay, Affirm, or Klarna. Amazon lets you split monthly payments for select items over 3-36 months, sometimes with 0% APR. Avoid BNPL if you are prone to overspending.

Digital wallets

Amazon supports payments from digital wallets such as Apple Pay and Google Pay when a linked card is used.

Other specialised methods

You can use FSA/HSA cards for health items, and a SNAP EBT card on Amazon for eligible food items by linking it as a payment method.

Also read: Best digital subscriptions to gift this holiday season

Best payment methods for ASOS in December 2025

ASOS is a go-to online fashion marketplace that emphasises flexible payment options, especially during the December holiday season and end-of-year sales. You can get up to 30% off promo codes and choose methods that let you pay later without interest.

Credit and debit cards

ASOS accepts major debit and credit cards, including Visa, Mastercard, American Express, Maestro, Diners Club, and Discover.

• During checkout, after entering your shipping details, you'll see options to add your payment information.
• Input your card number, expiry date, security code (CVV), and the name on the card.
• You can save card details in your ASOS account under "Payment Methods" for future purchases.

Buy Now, Pay Later (BNPL)

ASOS offers several Buy Now, Pay Later (BNPL) options that allow you to split payments or defer them without interest if you pay on time. Here are some of the options:

• Klarna's Pay lets you make four interest-free payments every two weeks, which is ideal for December expenses, as you don’t have to spend so much at once.
• Clearpay offers fortnightly instalments.
• PayPal Pay Later gives 30 days to pay after dispatch, with try-before-you-buy perks.
• Afterpay (Primary in the US, Australia, and New Zealand) offers a "Pay in 4" structure over 6 weeks.
• Zilch can be used as a virtual card to spread payments over six weeks or three months.

To use BNPL on ASOS:

• Add items to your bag, then proceed to ASOS Checkout.
• Under "Payment Type," click “Change”.
• Select your preferred BNPL provider (e.g., Klarna or Clearpay).
• Follow the prompts to log into that service provider's account or sign up if you don’t have na existing account.
• Complete the order, and your items will ship immediately.

Digital wallets

ASOS accepts digital wallets, specifically Apple Pay, Google Pay, and PayPal. Using these options can simplify the checkout process and is generally very secure.

• Shop on the ASOS website or app and add items to your cart.
• Proceed to the checkout page.
• Under the "Payment Type" section, click ‘Change’.
• Select your preferred digital wallet provider.
• You will be prompted to log in or verify the payment (e.g., using a PIN, fingerprint, or facial recognition).
• Once authorised, the transaction is complete, and your order will be processed.

Ensure that your billing and shipping addresses in your chosen digital wallet's settings are correct, as the order will default to these details. You can find more information about these and other payment options on the ASOS Customer Care page.

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Best payment methods for Shein in December 2025

When you think of low-budget, trendy fashion items, Shein should be at the top of your mind. With frequent flash sales in December, it is a great shopping destination.

Credit and debit cards

Shein primarily accepts debit and credit cards and supports Visa, Mastercard, and other card brands. No fees, but use cards with fraud protection for peace of mind.

• Enter card details during the final checkout step or save them to your account for faster future purchases.
• During checkout, choose Credit/Debit Card.
• Provide your payment card number, expiration date, and the 3-digit CVV/security code.

If you saved your card, you can manage it by going to "Me"> Settings (the gear icon). Select "My Payment Options" to add, edit, or remove card information.

PayPal

Using PayPal on SHEIN remains one of the most popular and secure payment methods because it prevents the seller from seeing your full card details. Venmo is an alternative if you’re shopping from the US.

• At checkout, select PayPal as your payment method.
• Authentication: You will be redirected to the secure PayPal site or app to log in and confirm the payment.
• Completion: Once authorised, you are returned to SHEIN to receive your order confirmation.

PayPal also offers Buy Now, Pay Later. For some items, you can split the cost with PayPal's installment payment plans. Depending on where you shop, you may be eligible for three or four interest-free monthly payments. This option will appear directly on the PayPal checkout screen if you are eligible.

Buy Now, Pay Later (BNPL)

In addition to PayPal, Klarna, Afterpay, and Zip offer interest-free payment plans. This lets you maximise your budget this December without spending too much at once.

Gift cards and prepaid

You can purchase Shein gift cards on the website and preload them for checkout.

• Add the items you’re buying to your cart.
• Proceed to the checkout page.
• In the "Payment Method" section, select the option to add a gift card and enter the 16-digit card number and 4-digit PIN code found in the email you received.
• Click the "Apply" button. The balance will be deducted from your order total.
• If the order total exceeds your gift card balance, you will need to select another payment method (credit card, PayPal, etc.) to pay the difference.

Also read: How to plan your 2026 financial goals before January starts

Managing payments on Amazon, ASOS, Shein during December with Grey

While many people scamper through options looking for the best way to pay on Amazon, ASOS, Shein this December, this shouldn’t be you. Grey offers a virtual USD debit card that integrates seamlessly with platforms such as Amazon, ASOS, and Shein. You can fund your account with your local currency and hold USD, EUR, and GBP in the same place. Grey offers the best way to pay on Amazon, ASOS, and Shein during December. Here’s how to get started:

• Sign up on Grey’s website or download the mobile app and complete your verification.
• Set up your bank account and fund it,
• Request for your USD card. This should cost $4, but you need to fund it with at least $1.

Proceed to your Amazon, ASOS, or Shein account and add your card as a payment method. You may also add to your Google Pay or Apple Pay. You can easily avoid payment declines, spending limits, high charges, and currency conversion issues.

Get started by signing up on Grey’s website or downloading the mobile app for seamless online payments this December.

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