Amazon Polly is the text-to-speech service inside Amazon Web Services (AWS). Unlike a flat monthly subscription, Polly is billed by usage: you pay per million characters you convert to speech, charged to the payment method saved on your AWS account. This guide explains what you need, how to add a Coinepay virtual card to AWS billing, and how to troubleshoot a declined card.
Important restriction first: AWS publicly states that virtual credit cards are not an accepted AWS payment method, and warns that prepaid cards with a depleted balance can cause failed recurring payments. Because of that, you should contact Coinepay support to confirm your card meets AWS's requirements before you rely on it for Polly billing. Never assume it will work; check first.
What you need before you start
- A registered Coinepay account with identity verification (KYC) completed, plus a virtual card showing its number, expiry and CVV in the Coinepay app. If you have not signed up yet, you can create an account and get the app from the App Store or Google Play.
- Your real billing name and address, exactly as held on your Coinepay profile. AWS matches billing details during authorization.
- An email address and phone number for the AWS account.
- Available balance on the card. AWS may place a temporary verification hold of about USD $1-equivalent for 3–5 days when you add a method.
Understanding how Polly charges you
Polly has no separate checkout page. You create an AWS account, use Polly from the console or API, and AWS totals your usage and bills it monthly to your default payment method. At the time of writing (October 2026), the AWS pricing page lists these rates per 1 million processed characters: Standard $4, Neural $16, Long-Form $100 and Generative $30 (Generative pricing covers speech requests; the other tiers also cover Speech Marks requests). GovCloud lists higher Standard and Neural rates. Prices and free-usage allowances change and vary by region, so always confirm on the official AWS Polly pricing page before you commit.
AWS also offers Free Tier usage: the pricing page lists 5 million Standard characters monthly, and for the first 12 months 1 million Neural, 500,000 Long-Form and 100,000 Generative characters monthly. Eligible new accounts may receive up to $200 in Free Tier credits applicable to Polly, with the Free account plan lasting up to six months and credits usable within 12 months of account creation. Check the AWS pricing page for current eligibility.
Step 1: Create or sign in to your AWS account
- Go to the AWS sign-up page and create an account, or sign in to the AWS Management Console if you already have one.
- When prompted, choose an account plan. AWS presents a Free account plan and a Paid account plan; Polly usage itself is priced the same either way.
- Enter your real contact and billing information. AWS may request payment details at sign-up and may place the small temporary verification hold mentioned above.
Step 2: Add your Coinepay card in Billing settings
- In the console, open AWS Billing and Cost Management.
- Select Payment preferences.
- Choose Add payment method and enter your Coinepay card number, expiry date and CVV from the Coinepay app.
- Enter the billing address that matches your Coinepay profile exactly.
- Save, then set the card as your default payment method so monthly Polly charges go to it.
You can review balances due and make an available manual payment under Payments in the same console area.
Step 3: Start using Polly
Open Polly from the console or call it through the API or SDK. Note that some voice engines are region-limited: Long-Form is listed only in US East (N. Virginia), and Generative is listed in ten specified regions including US East (N. Virginia), Europe (Frankfurt and London), Canada (Central) and Asia Pacific (Sydney). Choose a supported AWS Region for the voice type you need. Your usage accrues through the month and is billed to the default card.
Which cards AWS accepts
Accepted cards depend on the AWS seller of record for your country. AWS Inc. lists Visa, Mastercard, American Express (USD only), Discover, Diners Club and JCB, among others. AWS Europe lists Visa, Mastercard and American Express. AWS India lists Visa, Mastercard, American Express and RuPay; AWS Brazil lists Visa, Mastercard, American Express and Elo credit cards; AWS Japan lists JCB, Visa, Mastercard, American Express and Diners Club. Non-card options are conditional (for example ACH, SEPA, Bacs, UPI and net banking for qualifying accounts).
As noted above, AWS states that virtual credit cards are not an AWS-service payment method, and that depleted prepaid balances can break recurring payments. This is AWS's published policy. Before you add a Coinepay card for Polly, contact Coinepay support via the support page or Telegram to confirm your card meets this requirement, and keep enough balance available to cover each monthly bill.
Troubleshooting a declined card
AWS documents several common reasons a card is declined at sign-up or billing. Work through these:
| Symptom | Likely cause | What to do |
|---|---|---|
| Card rejected when adding it | Expired or incorrect number, expiry or CVV | Re-copy the details from the Coinepay app; make sure the card is active. |
| Authorization fails | Billing address mismatch | Match the billing name and address to your Coinepay profile exactly. |
| Verification hold or charge fails | Insufficient balance or a transaction limit | Top up the card in the Coinepay app and confirm it can cover the $1-equivalent hold and your monthly bill. |
| Bank asks to confirm payment | Issuer-required verification or 3-D Secure | Approve the authentication prompt; if none arrives, check notifications in the Coinepay app. |
| Method refused outright | Unsupported method for your AWS seller of record | Confirm the card type is accepted in your country and check with Coinepay support. |
One AWS re:Post user reported "Error 880104" at the sign-up billing stage across multiple cards. The exact meaning of that code is unconfirmed and is not an official AWS diagnosis. If you hit it, contact AWS account and billing support, who can see what is blocking your account.
Stopping charges and closing your account
There is no Polly subscription to cancel. To stop new Polly usage charges, simply stop making Polly requests. To close a standalone AWS account entirely, sign in as the root user and go to Account → Close account. AWS states that charges incurred before closure remain payable and a final bill can arrive the following month, so keep enough balance on your Coinepay card to cover it. A Polly-specific refund entitlement for already-processed characters is not established in AWS's published pricing, FAQ or customer agreement; direct billing questions to AWS account and billing support.
Managing the card side with Coinepay
Everything on the Coinepay side is handled in the app or the 24/7 self-service dashboard: create the virtual card, check its balance and view transactions. If AWS declines a payment and the card details and balance look correct, reach Coinepay support through the support page or Telegram. For anything about AWS account status, pricing or refunds, contact AWS directly.
Get your Coinepay virtual card: Sign up · App Store · Google Play · Customer support
FAQ
Can I pay for Amazon Polly with a Coinepay virtual card?
AWS states that virtual credit cards are not an accepted AWS payment method, and warns that depleted prepaid balances can cause failed recurring payments. Before relying on a Coinepay card for Polly billing, contact Coinepay support to confirm your card meets AWS's requirements, and keep enough balance available.
Is there a separate Polly subscription to buy?
No. Polly is usage-priced. You create an AWS account, use Polly, and AWS totals your usage and bills it monthly to the default payment method saved under Billing and Cost Management.
How much does Amazon Polly cost?
At the time of writing (October 2026), AWS lists Standard $4, Neural $16, Long-Form $100 and Generative $30 per 1 million processed characters, with Free Tier allowances for new accounts. Prices vary by region and change, so confirm on the official AWS Polly pricing page.
Why was my card declined when adding it to AWS?
AWS documents causes such as incorrect or expired card details, a billing address mismatch, insufficient balance or transaction limits, an unsupported method, and issuer verification like 3-D Secure. Fix the matching detail, ensure balance covers the $1-equivalent hold, and approve any authentication prompt.
How do I stop Amazon Polly charges?
Stop making Polly requests to stop new usage charges, or close a standalone AWS account via Account → Close account as the root user. Charges incurred before closure remain payable, and a final bill may arrive the following month.
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