Apple Pay FAQs
About Apple Pay
Now you can enjoy all the benefits of your American Express® with Apple Pay on iPhone, Apple Watch, iPad, and Mac.
Using Apple Pay is simple, and it works with the devices you use every day. Your Card information is secure because it isn’t stored on your device or shared when you pay. Paying in stores, apps, and on the web has never been easier, safer, or more private.
American Express will not share your physical Card number with Apple. However, to deliver the best Apple Pay experience, basic Account information is shared to personalise your display, such recent purchases and Card product.
You can turn off the display of transaction data at any time manually within Apple Pay by adjusting the transaction history for each Card.
As soon as you register your Card to your device, Apple may access and process some of your personal information, including information about your transactions in order to provide the Apple Pay service. Apple’s use of your personal information is solely governed by Apple’s privacy policy.
If you have any additional questions about your device’s security features, please visit the Apple Pay support pages.
Any person with your device passcode or a fingerprint registered to your device will be able to authorise transactions using your Card with Apple Pay.
You must keep your device safe and secure, and your device passcode secret. Do not let anyone else, including family members, have their fingerprint registered to your device while your Card is registered with it.
Refer to the security settings on your device for further information.
Wallet is an iPhone app that is used to store your credit card details for use with Apple Pay. Find out more about using Wallet here.
The American Express Pass for Wallet allows you to receive automatic purchase notifications, Account balance and customer service information but it cannot be used to make purchases.
Simply add your Card to Apple Pay to start making purchases using your eligible device.
How to set up
iPhone
- Open the Wallet app.
- Tap + in the upper-right corner.
- Follow the steps on the screen to add a new Card. We may ask you to enter a One-Time Password to confirm your identity.
Apple Watch
- Open the Apple Watch app on your iPhone.
- Tap “Wallet & Apple Pay” and select “Add a Credit or Debit Card.”
- Follow the steps on the screen to add a new Card. We may ask you to enter a One-Time Password to confirm your identity.
iPad
- Go to Settings. Tap “Wallet & Apple Pay” and select “Add Credit or Debit Card.”
- Follow the steps on the screen to add a new card. We may ask you to enter a One-Time Password to confirm your identity.
Please note that the iPhone 5, 5c and 5s only enable payments for the Apple Watch. Payments cannot be made with the iPhone 5, 5c or 5s alone.
You will always need to enter your Card expiry date, Card Security Code and accept the American Express Terms of Use for Apple Pay each time you add a Card to Apple Pay. You are also subject to Apple’s own Terms and Conditions.
- The first Card you enter into Wallet is automatically set as default for all Apple Pay transactions.
- If it isn’t already, you can make American Express your default Card by visiting: Settings > Wallet & Apple Pay > Transaction Defaults - Default Card.
- For security purposes, when adding your Card to Apple Pay we may ask you to enter a One-Time Password to confirm your identity.
- This code is a unique series of numbers that you can choose to receive by email or text message during the set-up process.
- Please note that you will need a working internet and/or data connection to receive a One-Time Password.
- Your One-Time Password may expire if you aren’t able to enter it within ten minutes. You can request another code by selecting your preferred verification option again.
- If you opted to receive your One-Time Password by email but cannot find it in your inbox, please check your ‘Junk’ folder before requesting a new one.
- If you are unable to get a One-Time Password, please contact American Express Customer Care by calling the number on the back of your Card.
Apple Pay allows a maximum of eight Cards on one device. You can also add your Card to a maximum of four eligible Apple devices – you will need to set it up using the Wallet app on each device.
Using Apple Pay
In-store
- You can use Apple Pay on your eligible Apple Device to make payments in-store at participating merchants where American Express contactless payments are accepted.
In-app
- You can use Apple Pay in participating retailer apps with your eligible Apple device.
- Look out for the ‘Buy with Apple Pay’ or ‘Apple Pay’ icon at the checkout within the apps.
Yes, you receive all of the same rewards, security and benefits of your American Express Card when you use it with Apple Pay.
Please visit your Online Services Account or the Amex app to see your individual Card benefits.
- Yes, if you enrol your Card for specific offers that accept American Express contactless payments, you can make qualifying purchases using Apple Pay that will be eligible for the offers.
- Please note Amex Offers are not currently available for Corporate Cardmembers.
If you need to return a purchase made with Apple Pay, you may be asked to provide the last four digits of your Device Account Number instead of the last few digits of your Card number.
To find the last four digits of your Device Account Number, select: Settings > Wallet & Apple Pay and choose the relevant Card.
- If you are having difficulty with your software or hardware, please visit Apple’s support pages for advice.
- American Express has no control over Apple’s decisions to change Apple Pay or any of its services, products or software.
American Express will not charge you for using Apple Pay. Using Apple Pay requires an internet connection so you should check with your mobile phone provider directly to determine if there is a cost associated with your internet service.
- As we do not share your Card Account information with Apple Pay for your security, when you add your American Express Card to Apple Pay a Device Account Number – separate to your Card number and unique to your device – is created.
- Your Device Account Number is used to make purchases with your Card using Apple Pay.
- You will have a different Device Account Number for every Card you have added to Apple Pay.
- It can be found in the settings menu in the Wallet app by tapping on the ‘i’ icon.
Managing your Card
- For iPhone 6 and later, iPad Air 2 and later, you can view and manage your Cards in Apple Pay.
- To do so, select Settings > Wallet & Apple Pay > tap on an individual Card > view the ‘Transaction Display’ to manage the settings associated with that Card in Apple Pay.
- For iPhone 6 and 6S you can also view and manage your Cards in the Wallet app by selecting an individual Card, and tapping the ‘i’ to get to the settings menu.
- Here you can view the ‘Transaction Display’ and manage the settings associated with that Card in Apple Pay.
Apple Watch
- You can view and manage your Cards on the Apple Watch within the Apple Watch app on your iPhone.
- Simply tap on an individual Card to manage the settings associated with that Card in Apple Pay.
- The Apple Watch app will not display transaction detail or transaction history.
Please note that if you have added an American Express Card in your Apple Pay wallet to iTunes, and subsequently remove that Card from Apple Pay, the Card can still be used to make a purchase in iTunes if your Card account is in good standing.
No, your Device Account Number is connected to your new Card number automatically. You can use your Card with Apple Pay to make transactions before receiving your new physical Card.
You can remove your Card from Apple Pay by selecting: Settings > Wallet & Apple Pay > Select Card > Remove Card.
- If you believe your device or Apple Pay Card information has been lost, stolen or compromised in any way, call us immediately.
- For iPhone and iPad, you can use the ‘Find My iPhone’ app to temporarily suspend or permanently remove the ability to make payments from your device, even if your device is offline.
- If you suspend your Card(s) using ‘Find My iPhone’, you can reactivate them simply by unlocking your device and entering your Apple ID when prompted.
- Using iCloud: For any eligible Apple Pay device, you can always go to icloud.com/settings, choose the applicable device and delete your Card(s).
Managing your transactions
- You will only see your last ten purchases in the ‘Transaction Display’ of your Card in Apple Pay for iPhone or iPad.
- The last ten purchases you see will be from using both your physical Card and using your Card with Apple Pay.
- You can turn ‘Transaction Display’ off when you turn off your ‘Card Notifications’ in the ‘Wallet & Apple Pay’ section of your device Settings.
- For all official statement information, please refer to your Online Services Account, the Amex App or your monthly paper statement.
- Apple Pay transactions will appear on online and paper statements as normal transactions.
- On the Amex App, you will be able to expand the selected transaction and see that it was made via Apple Pay.
- However, we are constantly reviewing and improving our services so you may be able to see more information in your online transactions in the future.
- For some transactions, Apple Pay may show a pre-authorisation amount, rather than the amount the merchant actually charged.
- An example of this is if a hotel pre-authorises your Account for S$100. The hotel may then only charge your Card S$50 for the services you used during your stay, which will reflect in your online Account transactions as S$50, however, Apple Pay will always show the S$100 amount.
- If you see a transaction in Apple Pay that is higher than you expected, like in the example above, please check your Online Account, the Amex App or your monthly paper statement for the correct amount.
- Occasionally, something might appear on your statement that you disagree with or want to query. Just contact us and we’ll get on the case to help resolve the charge in question.
- For more information about the security of using your Card, please visit our Fraud Protection page on our website for our Fraud Protection Guarantee.
iPhone
- You will receive ‘Card Notifications’ from your American Express Card in Apple Pay to let you know about purchases made with both your physical Card and in Apple Pay.
- You can turn these on or off by selecting: Settings > Wallet & Apple Pay > Card Notifications or by tapping the ‘i’ in the Wallet app to get to the settings menu.
- Please keep in mind that by turning off your ‘Card Notifications,’ you will no longer receive transaction notifications or other special messages from American Express, nor transaction history in Wallet.
Apple Watch
- You will not receive specific ‘Card Notifications’ for Cards added to Apple Pay for your Apple Watch.
- You may receive notifications on your Apple Watch if you have a Card added to Apple Pay on your paired iPhone and have push notifications enabled.
- You may also receive notifications on your Apple Watch if you have an active American Express Pass for Wallet.
- If you do not want to receive these notifications on your Apple Watch, select: Apple Watch app on your eligible device > General Settings > Notifications > Unselect Wallet & Apple Pay.