Click to Pay - Card Member Frequently Asked Questions

1. What is Click to Pay?

The  icon represents a checkout option for online shopping, providing a consistent, convenient and more secure checkout experience. Whenever you see this option, you can pay with your eligible American Express Card (“Card”), as well as a range of other eligible Cards. In some instances, you may be required to verify your identity, for example, by entering a one-time password. 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?

An “eligible Card” to use with Click to Pay is:

• an American Express Singapore Consumer or Small Business Credit or Charge Card that is not cancelled and that is issued to you in Singapore by American Express International Inc.
• an American Express Corporate Card that is issued in Singapore by American Express International Inc.

The following Cards are not eligible for Click to Pay:

• American Express Cards issued by DBS Bank Ltd and United Overseas Bank Limited.

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 you to check out faster without requiring you to confirm your identity, for example, by entering a one-time password.

If you use Click to Pay on a shared device or a device that another person can access (for example, if another person knows your device passcode or has a fingerprint registered on your device), you should not select “Remember Me on this Device” as it will allow that person to use your Card in Click to Pay.

5. Will I receive a one-time password every time I check out?

No. If you have checked “Remember me on this device”, you can check out faster without having to confirm your identity, for example, by entering a one-time password. 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. 

8. How will the purchases appear on my American Express Card billing statement?

There is no difference in the way purchases made using Click to Pay will appear on your billing statement. They will appear as regular purchases.

9. Who should I contact about returns and refunds?

For all purchases, you should first contact the merchant and process the return or refund as you normally would according to the merchant’s return and refund policies. If you do not recognize a transaction on your billing statement, please contact us.

10. What information is shared with merchants?

When you use Click to Pay, you authorise and direct American Express to provide your personal information, including your Card and shipping information, to the merchant to process your transaction. 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 need to confirm your identity, for example, by entering a one-time password before completing the purchase.

12. What terms and conditions apply when I use Click to Pay?

Click to Pay Terms as well as your Card Member Agreement apply. You can view Click to Pay 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.

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, 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 pay with a Card when using Click to Pay?

Yes, you must have an active email with American Express to pay with a Card when using Click to Pay. You can add your email by accessing your Online Account at americanexpress.com or through the American Express App (Only eligible for Basic Card Members). 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 my Click to Pay ID with American Express?

Your Click to Pay ID with American Express is the active email address you have on file with us. You can use this email to access your eligible Cards for Click to Pay.

In order to use a different email address as your Click to Pay ID, you are required to update your email by accessing your Online Account at americanexpress.com.

18. 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.

The Click to Pay icon is a trademark owned by and used with permission of EMVCo, LLC.