Click to Pay – Card Member Frequently Asked Questions
1. What is Click to Pay?
The Click to Pay icon 
represents an industry standard checkout option for online shopping, providing a consistent, convenient and more secure checkout experience. Whenever you use this option, you can pay with your eligible American Express® Card (“Card”), as well as a range of other eligible cards.
For new users, you can add your eligible Card to Click to Pay by entering your Card details into the fields provided in the New User tab. You will then be required to verify your identity, for example, by entering a one-time verification code. Please know that you can add or remove your available Cards in Click to Pay at any time.
2. Which American Express Cards are eligible?
All Basic or Supplementary Consumer, Small Business and Corporate Cards issued by Amex Bank of Canada are eligible. All accounts must be in good standing to participate in Click to Pay.
3. If I don’t see my Card, can I add Additional Cards?
Yes, as long as your Card is an eligible Card (see FAQ above, “Which American Express Cards are eligible?”). If you previously removed an eligible Card, you can always add it again.
4. What is the “Remember Me on this Device" option?
The “Remember Me on this Device” option allows for faster checkout with any Click to Pay transaction. When you select Remember me, a cookie is stored on your device’s browser which will remember that device when you check out with that device with merchants that have Click to Pay enabled.
This option is not recommended for shared devices as it will allow anyone with access to your device to make purchases using your Card.
5. Will I receive a one-time verification code every time I check out?
If you have checked “Remember me on this device”, you can usually check out faster without having to confirm your identity, for example by entering a one-time verification code. However, for added security, you may periodically be asked to authenticate your identity.
6. How secure is it for me to use Click to Pay for purchases?
Click to Pay combines security features for online transactions, including tokenization and encrypted and dynamic data exchange, that can help reduce the risk of fraud.
7. How do I remove my Card from Click to Pay?
You can remove your Card during checkout. Click ‘Manage Card’ and follow prompts to remove your Card.
8. How will the purchases appear on my American Express Card billing statement?
All purchases made using this checkout option will appear as regular purchases.
9. Who should I contact about returns and refunds?
10. What information is shared with merchants?
When you use Click to Pay, you authorize and direct American Express to provide your personal information, including Card details and your contact information, such as email, phone number, and billing address, to the merchant to process your transaction as well as consent to the collection, use and sharing of your information for these purposes and in accordance with the American Express Click to Pay Program Terms, Privacy Code, and Online Privacy Statement, which may be updated from time to time. American Express has no control over the privacy and data security practices of merchants; it is always your responsibility to review the merchant’s privacy policies and terms and conditions before making a purchase.
11. What happens if my Card is renewed or replaced?
Your new Card will automatically appear as a payment option when you choose to make a purchase using Click to Pay. However, the first time you use your new or replaced Card to make such a purchase, you’ll be requested to confirm your identity, for example by entering a one-time verification code, before completing the purchase.
12. What terms and conditions apply when I use Click to Pay?
The American Express Click to Pay Program Terms, Privacy Code, Online Privacy Statement, as well as your Cardmember Agreement apply. You can view Click to Pay Program Terms here.
13. What if a device I’m using for Click to Pay is lost, stolen or compromised?
If a device on which you use Click to Pay is lost, stolen or compromised in any way (for example, through a virus or spyware), call us immediately at the telephone number on the back of your Card so that we can assist in un-remembering your Cards from your device.
14. What happens if Click to Pay is unavailable?
Not all merchants will offer Click to Pay. Also, on rare occasions, Click to Pay may be down, unavailable or not working properly. It is your responsibility to ensure you have your Card account information or an alternative payment method to complete your purchase.
15. My account is locked, how do I unlock it?
If your Click to Pay profile is locked, for example due to 3 incorrect one time verification code entries, it will be reset after 24 hours. You can try to access your Click to Pay profile after this time to continue. If you are still experiencing any difficulty, please call the number on the back of your Card.
16. Am I required to have an active email on file with American Express to enroll my American Express Card in Click to Pay?
Yes, you must have a valid email on file with American Express to enroll your American Express Card in Click to Pay as it will be used as your Click to Pay ID. If you don’t have an email on file, you can provide your email through creating an online account with American Express, or by calling the number on the back of your Card for further assistance. In the event that you change your email with American Express after you enroll your Card in Click to Pay, it will not automatically update the new email for your Click to Pay ID. You will need to remove your card from Click to Pay and re- enroll your Card.
17. What is Click to Pay ID with American Express?
Your Click to Pay ID with American Express is the current email address you have on file with us at the time of enrolling your Card in Click to Pay. You can use this email to access your eligible Cards for Click to Pay.
18. Is there a way to change my Click to Pay ID?
If you would like to change your Click to Pay ID associated with your Card, you must update your email on file with American Express. You can then remove your Card from Click to Pay and re-enroll that Card. Your email that is on file with American Express at the time of re-enrollment will be that Card’s Click to Pay ID.
19. I have a question that was not addressed in the FAQs; who should I contact?
Please call the number on the back of your Card for further assistance.
20. How does the American Express Fraud Protection Guarantee apply to Click to Pay?
- The American Express Fraud Protection Guarantee applies regardless of how you choose to pay.
- You won't be held responsible for any fraudulent charges, as long as you've taken reasonable care to protect your account details, PIN and any device on which you have added your account information. Notify us at once if your Card or eligible device is lost or stolen, or you suspect it is being used without your permission.
- For more information about the security of using your American Express Card, please visit our Fraud Protection page on our website for our Fraud Protection Guarantee.
21. I was sent a one-time Verification Code. What is this and why is it required?
For security purposes, new users will always be required to verify their identity with a one-time verification code. If you are a returning user and have checked “Remember me on this device”, you can usually check out faster without having to confirm your identity, however, for added security, you may periodically be asked to authenticate your identity, for example, with a one-time verification code. Returning users who did not select “Remember me on this device” will be required to verify their identity with a one-time verification code.
Please know that you can add or remove your available Cards in Click to Pay at any time.
22. Do I still get the rewards I get with my Card when I use Click to Pay?
- Yes, if you have a card that earns rewards, you still earn rewards on your purchases as well as receive the security and benefits of your American Express Card when you use it with Click to Pay.
- Please visit your – American Express online account to see your individual Card benefits. You can also call the number on the back of your Card
23. How do I view and manage my Card in Click to Pay?
You can view your Cards in Click to Pay by logging in with your Click to Pay ID. To make changes to a Card, select the applicable Card and click “Manage Card”.
The Click to Pay icon is a trademark owned by and used with permission of EMVCo, LLC.