About Apple Pay
- Apple Pay is the new way to make contactless payments using your Apple device.
- You can now use an eligible American Express® Card with Apple Pay to pay for goods at retailers that accept American Express contactless payments.
- See How to Add Your Card.
An eligible Card is an active American Express Consumer or Small Business Card issued in Hong Kong by American Express International, Inc. If you have a valid American Express Card issued by a licensed third-party financial institution, please check with your issuer if you are eligible to participate by calling the number on the back of your Card.
- Your current Card does not need to be contactless in order to use Apple Pay.
- See How to Add Your Card.
- In order to use Apple Pay you will need an eligible Apple device. For a list of compatible Apple Pay devices, see click here.
- In order to use Apple Pay, you must agree to Apple’s terms of use and privacy policy. American Express has no control over Apple’s decisions to change Apple Pay or any of its services, products or software.
- We are not going to share your physical Card number with Apple. However, to deliver the best Apple Pay experience, we will display some Account information on your device for each American Express Card you have selected to use, such as your recent purchases, so that it is personalized to you.
- You can turn off the display of transaction data at any time manually within Apple Pay by adjusting the ‘Card Notifications’ 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.
- Your Card in Apple Pay is protected by 'Touch ID', 'Face ID’, ‘Optic ID’ and/or your device 'Passcode'.
- For your security, when you make a purchase using Apple Pay, you must either use the 'Touch ID', 'Face ID' or ‘Optic ID’, or the 'Passcode' for your device.
- If you have any additional questions about your device’s security features, please contact Apple directly.
- Any person with your Biometric ID registered to your Apple device(s) will be able to authorize transactions using your Card with Apple Pay.
- You must keep your Apple device(s) safe and secure, and your device Passcode secret. Do not let anyone else, including family members, have their Biometric ID registered to your Apple device while your Card is registered with it.
- Refer to the security settings on your Apple device(s) for further information.
- Wallet is an iPhone app that is used to store your credit card 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.
- Your American Express Cardmember Agreement governs the use of your American Express Card with Apple Pay. However, you are required to accept the “important information” displayed when you set up your American Express Card into Apple Pay.
How to set up
To add your Card to Apple Pay on your compatible Apple device(s), please visit the Apple Support Page for instructions. Keep in mind that you must accept the American Express Terms of Use for Apple Pay each time you add a Card to Apple Pay and that you are also subject to Apple's own terms and conditions.
You can also add your Cards from the Amex HK App by following these steps:
- Log in to the Amex HK App with your User ID and password.
- Tap or click “Account”, then “Apple Pay”.
- Select the Card you want to add to Apple Pay and follow the remaining instructions on the screen.
- 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.
- The Security Code for your Card is the four digit, non-embossed number printed above your Card Account number on the front of your physical Card.
- For security reasons, you will be required to enter your Security Code when adding your Card to Apple Pay.
- For security purposes, when adding your Card to ApplePay we may ask you to enter a one-time verification code to confirm your identity.
- This code is a unique series of numbers and/or letters 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 verification code and data usage or text messaging charges may be imposed on you by your wireless carrier.
- Your one-time verification code may expire if you aren’t able to enter it within approximately ten minutes. You can request another code by selecting your preferred verification option again.
- If you opted to receive your one-time verification code 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 verification code, please contact American Express Customer Care.
- Yes, you can add your Card on multiple Apple devices. Please note that your Card must be added to each Apple device separately.
Using Apple Pay
In-store (using eligible iPhone)
- To make a payment using Apple Pay, hold your compatible Apple device(s) near the contactless reader. You will be prompted to perform ‘Biometric ID’.
- For your security, all Apple Pay transactions require authorization from American Express, similar to a Chip & PIN transaction.
Paying in apps and on the web
- To pay in apps and on the web, select Apple Pay as the payment method during checkout and authenticate with your ‘Biometric ID’ to complete the transaction.
In-store
- You can use Apple Pay on your Eligible Apple devices to make payments in-store at participating contactless merchants where American Express Cards are accepted.
In-app
- You will be able to use Apple Pay in participating merchant apps and websites with your eligible device.
- Merchants that accept Apple Pay will display the "Apple Pay" or "Buy with Apple Pay" icon at checkout within their app.
- There is no spending limit in Apple Pay transaction. While participating merchants might some have different policy specifically on Apple Pay transaction. Please check in-store for details.
- 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 Card Account or the Amex app to see your individual Card benefits.
- 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.
- The last four digits of your Device Account Number can be found in the settings menu in the Wallet app by tapping on the ‘i’ icon in the bottom-right corner.
- 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.
Managing your Card
- You can view and manage your Card(s) added to Apple Pay on compatible iPhones in the Amex HK App. When you select the Card, you can tap the transaction to see more details.
- For all other compatible Apple devices, you can view and manage your Card(s) added to Apple Pay by going to “Settings” and selecting “Wallet & Apple Pay”. By tapping on the Card, you can view the “Transactions” and manage the settings associated with that Card in Apple Pay.
- Visit Apple Pay Support to learn more about how to view and manage your Card(s) in Apple Pay.
- You are not required to update your eligible Card information with Apple Pay, the digital version of your physical Card will be connected to your new Card number automatically.
- You can use your Card in Apple Pay for purchases before receiving your new physical Card.
- If you have any questions, please feel free to contact us.
- You can remove your Card from Apple Pay by selecting: Settings > Wallet & Apple Pay > Select Card > Remove Card.
- If you believe your Apple device(s) or Apple Pay Card information has been lost, stolen or compromised in any way, call us immediately.
- You can mark your Apple device(s) as lost on the Find My app, which automatically turns off Apple Pay on your device.
- Visit the Apple Support page to learn more on how to mark your device as lost.
- If you believe your Card has been lost, stolen, or compromised in any way, contact us immediately to cancel your Card and replace with a new Card.
Managing your transactions
- You will only see your last ten purchases in the ‘Latest Transactions’ of your Card in Apple Pay on compatible Apple devices.
- You can turn ‘Latest Transactions’ off when you turn off your ‘Notifications’ in the ‘Wallet & Apple Pay’ section of your device Settings.
- For all official statement information, please refer to your Amex Online Services Account, the Amex HK App or your monthly paper statement.
- Apple Pay transactions will appear on online and paper statements as normal transactions.
- On the Amex HK 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.
- Some of the listed transactions on your device may be pending charges, which are temporary and are subject to change.
- An example of this is if a hotel pre-authorizes your Account for $100. The hotel may then only charge your Card $50 for the services you used during your stay, which will reflect in your online Account transactions as $50, however, Apple Pay will always show the $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, statement or the American Express app 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.
- After you’ve added your Card to Apple Pay, you’ll receive notification for your American Express Cards in Apple Pay on your compatible Apple device(s). These push notifications display purchases made with Apple Pay or your physical Card.
- Visit the Apple Support page to learn more about managing your notification settings.
Apple and the Apple logo are trademarks of Apple Inc., registered in the US and other countries. Apple Pay, Face ID, Touch ID and Optic ID are trademarks of Apple Inc.