Payment Methods
How do I pay my American Express bill?
Here are the fastest and most convenient ways available to pay off your American Express bill. You can choose to pay your bill directly through American Express or through the services provided by your financial institution:
Pay American Express Directly:
- Electronic Payment Program from American Express
Pre-authorized Payment Plan
Sporadic payment - Pay by Phone
Pay through your Financial Institution
- Online Banking
- Telephone Banking
- Automated Bank Machine
- In Person ( at your financial institution)
Electronic Payment Program from American Express
As an American Express Customer, you have the following options available to you under the Electronic Payment Program. Regardless of the option you choose, you will first need to enroll your Canadian Bank Account information with us:
Automatically pay off your bill each month on the payment due date by registering a Canadian dollar bank account, and never miss a payment again
- Select the payment amount to be withdrawn each month: American Express Credit Cards and Charge Cards can choose between paying the minimum amount due and the full balance due on their billing statement. Minimum payment is not an option for Charge Cards unless the account has Flexible Payment Option as a feature.
- This service is not available for American Express Corporate Cards
Follow these easy steps to register your account:
Save time with online enrollment -
- Login to Online Services. Not registered yet? Register Now
- Click on “Payments” and then select “Manage Pre-authorized Payment”
- Enter your bank account details and register for automatic monthly payments*
*Please note that the first payment pulled through the Pre-authorized Payment Plan will not take into effect until the next billing statement
Offline enrollment
- Download the Enrollment Form
- Complete the necessary information
- Sign the completed form
- Include a void cheque for the account from which payment will be made. Please see enrollement form for cheque requirements
- Mail your completed enrollment form and void cheque to the address given on the form
Register your Canadian dollar bank account and push a payment each month towards your bill or make ad-hoc payments towards your bill at your convenience
- Make an immediate payment to your account or schedule a payment up to 25 days in the future. Payments can be made at any time after you initial registration*
- For American Express Corporate Cards, a payment can be scheduled up to 28 days after the date of the last billing statement
- Payments made before 8pm EST will be credited to your account on the same day
Follow these easy steps to register your account:
- Login to Online Services. Not registered yet? Register now.
- Click on the “Make a Payment” button
- Register your bank account details for one-time payments in the payment center
* Subject to the Electronic Payment Program Agreement and availability of the service, you can request a same day payment prior to 8 PM Eastern Time or , if your account is in good standing, a future payment within 25 days scheduled by your next due date (or 28 days after the date of your statement for Corporate Card). Please note, we may be unable to process any payments you intend to schedule immediately following enrolment, as we require sufficient processing time to register you into the Electronic Payment Program. Although we may credit your American Express account it may not appear on your Online Services summary and may not be cleared through your bank until a subsequent day.
Call the number on the back of your Card to make an immediate payment or schedule a payment for up to 25 days in the future and up to 28 days after the date of the last billing statement for American Express Corporate Cards. Payments can be made at any time after your initial registration is completed.*
*Please note, we may be unable to process any payments you intend to schedule immediately following enrolment, as we require sufficient processing time to register you into the Electronic Payment Program.
Pay Amex through your financial institution
Most financial institutions permit you to submit payments for various services online.
In order to pay your American Express bill via this method, you must have automated bill payments set up with your financial institution. Please contact your branch for the requirements to setup this service. Your use of this service will be governed by your bank or financial institution's online payments policies and/or guidelines.
This service typically requires 2-3 business days for payment to be credited to your American Express account.Please ensure that you have allowed sufficient time for payment to reach American Express and to be processed BEFORE your payment due date.
American Express permits customers to pay their bills by calling any of our Tele- Banking Partners. Please contact your financial institution for the requirements to set up this service. Make sure to have your account number and statement ready when dialing into this service.
This service typically requires 2-3 business days for payment to be credited to your American Express account.Please ensure that you have allowed sufficient time for payment to reach American Express and to be processed BEFORE your payment due date.
You may pay your American Express bill through an automated banking machine offered by your financial institution.
Please contact your branch directly to register your American Express Account for this service. Your use of this service will be governed by your bank or financial institution's payments policies and/or guidelines, including the application of any fees.
This service typically requires 3 - 5 business days for payment to be credited to your American Express account.
Please ensure that you have allowed sufficient time for payment to reach American Express and to be processed BEFORE your payment due date.
You may pay your American Express bill during regular business hours at a local branch of your financial institution. Your use of this service will be governed by your bank or financial institution's payments policies and/or guidelines, including the application of any fees.
This service typically requires 3 - 5 business days for payment to be credited to your American Express account. Please ensure that you have allowed sufficient time for payment to reach American Express and to be processed BEFORE your payment due date. .
Frequently Asked questions
For most of the payment options that are not a part of the Electronic Payment Program,, please allow at least 3-5 business days* for your payment to be processed and reflected as a credit to your American Express account.
* 2 - 3 business or calendar days for online payments.
Different options require a longer period of time before payment is credited to your account; however it is best you select the method that is most convenient for you and allow sufficient time for your payment to be received and credited by your Payment Due Date.
To dispute a charge on your billing statement, Login to your online account and click on the transaction you would like to dispute. Follow the online prompts to complete the dispute procedures. Please note this is the fastest way for us to review and investigate these charges.
You also have the option to dispute a charge by phone. Call the number on the back of your card and we will be happy to assist you.
You also have the option to dispute a charge offline: To dispute a charge on your billing statement offline, please mail complete information describing the disputed charge to our Customer Service Department noted below.
Please include the merchant's name, the date of the charge, the month the charge was billed, the amount of the charge, and the reason for the dispute. If the item was returned, please tell us how, when, and where it was returned and please include a return receipt if available. When we receive this information, American Express Customer Service will open an inquiry for you and contact the merchant on your behalf.
Customer Service
Amex Bank of Canada
Attention: Customer Service
PO Box 3204 STN F,
Toronto
ON M1W 3W7
There are no fees for the options to pay directly with Amex (Pay by Phone, Electronic Payment Program). However, fees may apply for other options and processing times may vary by the payment option you choose. Services and fees may also vary by financial institution. Payments will be credited only upon receipt by Amex Bank of Canada.
If a charge is made in a currency other than Canadian dollars that charge will be converted into Canadian dollars. The conversion will take place on the date the charge is processed by Amex Bank of Canada and may differ from the date the charge was made as it depends on when the charge was submitted to us by the merchant. If the charge is not made in U.S. dollars, it will first be converted to U.S. dollars and then into Canadian dollars. If the charge is in U.S. dollars, it will be converted directly into Canadian dollars.
Unless a specific rate is required by applicable law, you understand and agree that the American Express treasury system will use conversion rates based on interbank rates that it selects from customary industry sources on the business day prior to the processing date, increased by a single conversion commission of 2.5%. If charges are converted by third parties prior to being submitted to us, any conversions made by those third parties will be at rates selected by them.
If you have any additional questions, please visit the help center or call or call us at 1-800-869-3016