Using Apple Pay
Apple Pay® is a no-stress secure way to pay with your American Express® Card. Load your Card to the Apple Pay app on your iPhone® to make effortless transactions in-store, in-apps, or on websites.
High-value purchases
Use mobile payments for large or small purchases. Pay by following the prompts on your device and Card reader.
Worry-free shopping
Make secure transactions with four layers of fraud protection. We've got your back, every step of the way.
Life should be rewarding
Continue to earn rewards when you make payments using your American Express Card with Apple Pay.
Use the Amex App to set up Apple Pay
Set up Apple Pay on your Apple device in as easy as 3 simple steps.
Go to the Account tab & select Apple Pay.
Select the Card you want to add, verify it, and follow the prompts.
Set it as your default Card in wallet.
How to set up Apple Pay via your Wallet
Three simple steps to set up Apple Pay on your Apple device.
Open the Wallet app on your Apple device and tap the '+' sign to add your American Express Card.
For security purposes, we may ask you to enter a One-Time Password to confirm your identity. Please follow the on-screen instructions.
And you're done - it's that simple.
Easy payments with Apple Pay
Follow these simple steps to use Apple Pay at any place that welcomes American Express contactless payments; in-store or in-app. You can now easily close off any business deals, pay for your groceries, or a new pair of trainers with your Apple Pay.
In-store purchases
Hold your phone up to a contactless reader (there’s no need to wake your phone or open the app).
To pay with Face ID®, just double-click the side button on your iPhone, glance at your screen to authenticate the payment, then hold it near the reader. With Touch ID®, hold your iPhone® near the reader with your finger on Touch ID button.
Wait for your payment to be authorised – you’ll feel a vibration or hear a beep.
Online purchases in-app or web
No more typing in your Card details when using your American Express Card on Apple Pay for making online payments on supported apps or websites. Apple Pay uses device specific numbers and unique transaction codes to help keep your Card number hidden from merchants so it is secure, easy and fast.
On the go?
Step out the door with just your phone. You can use Apple Pay on eligible bus, train, metro, light rail, or ferry services across the Opal and Translink network. Simply tap your Card or mobile device on the reader as you enter and as you get off to enjoy Opal benefits plus American Express rewards.
Learn More
Mobile Wallet Security
Make easy cashless transactions that are safe and secure by using Apple Pay. Pay on the go and be in absolute control by authorising each payment you make.
You authorise each payment.
Whether it's a passcode, biometric recognition (face, iris or fingerprint scan), or a secure tap without unlocking your phone, you're in control.
Encrypted details.
Your Card details aren't saved to your device to help protect transactions from fraud. Instead, your device is given a unique token that's then sent to the merchant.
Instant fraud alerts.
Our intelligent security systems send you instant alerts regarding odd or unusual activities detected in your account
To learn more about Mobile Wallet Security Click here
Frequently Asked Questions
- How do I authorise a transaction?
Your unique Touch ID or Face ID uses biometric technology to protect your Card. Every time you make a purchase, you’ll need to authorise the payment via Touch ID or Face ID. If you don’t have Touch ID or Face ID enabled for your device, you can elect to use your passcode instead.
Do not let anyone else, including family members, have their Touch ID or Face ID registered to your device while your Card is registered in Apple Pay. - What Card number is used?
Instead of using your Card number, Apple Pay assigns you an encrypted, unique Device Account Number. When you make a purchase, this number, along with a transaction-specific code, is used to process your payment – meaning merchants will never see your details. - Do I need to use a PIN with Apple Pay?
Nope! Not even for transactions over $200. There’s no need to open an app either. Simply double click your side button on iPhone or Apple Watch and hold it near the contactless reader, or for Touch ID, hold your locked iPhone with your finger on Touch ID near the contactless reader.
Apple Pay, Apple, iPhone, iMac, MacBook, iPad, Face ID, Touch ID and Apple Watch are trademarks of Apple Inc., registered in the US and other countries.
For more information from Apple vist Apple Pay - Apple(AU)
For our Terms and Conditions, Click here to know more.
Using Apple Pay® with an American Express Card
You can use your American Express Card to make purchases online or in-store using Apple Pay. Your Card Member Agreement governs the use of your Card in Apple Pay.
Security & Your Apple Device
You must keep each of your Apple devices (such as iPhone, iMac, MacBook, iPad or Apple Watch) and your security credentials safe and secure always. For example, never share your password, passcode or Apple ID or allow another person to register for Touch ID or Face ID on your device, as that person will be able to make payments using your Card in Apple Pay. If you do allow someone access to your Apple device, you will be responsible for their use of your Card in Apple Pay.
We recommend you always use the security features on each of your Apple devices (such as the lock feature on Apple devices). For more information about security in Apple Pay click here.
Lost/Stolen Device & Unauthorised Use
Call us immediately using the number on the back of your Card if your Apple device is lost, stolen or compromised in any way, or if someone has used your Card in Apple Pay without your consent. We then can suspend or remove your Card from Apple Pay to prevent further unauthorised use.
Using Your Information and Data Protection
We use your information to manage your use of Apple Pay, present you with updates and to display targeted offers, advertising and promotions from time to time. Apple also shares information with us for fraud and identification purposes. We will always use your personal information in accordance with the American Express Online Privacy Statement.
When you register your Card in Apple Pay, Apple may access and process your information, including information about your transactions. Apple may use this information in an aggregated and de-identified way to help improve Apple Pay. Apple’s use of your personal information is solely governed by Apple’s privacy policy.
Using Apple Technology
In order to use Apple Pay, you must agree to Apple’s terms of use and privacy policy which govern your use of Apple Pay. Apple may change Apple Pay from time to time. American Express has no control over Apple’s decisions to change Apple Pay, its terms of use or privacy policies or any of its products or services.
You can find more information about Apple Pay including a list of compatible devices here.
Apple Pay is not available in all countries. Features are subjected to change. Some features, applications and services may not be available in all regions or all languages. Some features require specific hardware and software.