Apple Pay
Introducing Apple Pay
It's easy and secure to pay with your mobile device.
Paying with your American Express® Card with Apple Pay means you can make in-app, in-store and online payments simply and safely.
High value purchases
With Apple Pay, you won’t be restricted by
the same contactless Card limit.
Worry-free shopping
With four layers of protection, we’ve got
your back, every step of the way.
Life should be rewarding
Earn and enjoy the same great rewards
when you shop using American Express
with Apple Pay.
*Retailer limits may apply. Check before paying.
How to set up Apple Pay
Open the Wallet app on your Apple
device and tap the '+' sign to add your
American Express Card.
For security purposes, we may ask you to enter a One-Time Password to confirm your identity. Please follow the on-screen instructions.
And you're done - it's that simple.
How to use Apple Pay
Hold your phone up to a contactless
reader (there’s no need to wake your
phone or open the app).
Use Touch or Face ID to confirm it’s you.
Wait for your payment to be authorised
– you’ll feel a vibration or hear a beep.
Where to use Apple Pay
You can use Apple Pay at thousands of places that welcome American
Express contactless payments, either in-store, online or in-app. Pay for your groceries
or a new pair of trainers with Apple Pay.
On the go?
You can use Apple Pay on all TfL services, including the underground, buses
and trams with just one single touch.
Simply select your American Express Card for Express Transit in the wallet
app and you're good to go - no authentication needed.
Frequently Asked Questions
Paying in-store
- To pay in stores, there is no need to wake your iPhone or open an app. Just hold the iPhone near the reader with your finger on Touch ID or use Face ID. You’ll see “Done” on the display, along with a subtle vibration and beep, letting you know your payment information was sent. On Apple Watch, double-click the side button and hold the display of your Apple Watch up to the reader. A gentle tap and beep confirm that your payment information was sent.
Paying in apps and on the web
- To pay in apps and on the web with an iPhone or iPad, select Apple Pay as the payment method during checkout and place your finger on Touch ID or use Face ID. To pay on Mac in Safari, choose Apple Pay then complete the purchase with your iPhone or Apple Watch.
- Please be aware that in-app payments cannot be made through the Apple Watch, and in-store purchases cannot be made with an eligible iPad.
- If your American Express Card does not appear as an available payment option within the Apple Pay payment page, please ensure you are using the most up to date version of the retailer app. This can be confirmed by searching for the retailer app within the Apple Store.
With Apple Pay, you can make simple and secure mobile payments for amounts of up to and above £100 contactless limits, without entering your PIN on the terminal. However, some merchants may apply their own limits.
Check in-store for more details.
An eligible Card is an active UK American Express issued Personal or Small Business Credit or Charge Card, or an American Express Corporate Card. Your current Card does not need to be contactless in order to use Apple Pay.
American Express Pre-paid Cards, Virtual Accounts, Corporate Purchasing Cards, International Currency Cards and Meeting Cards are not eligible.
In order to use Apple Pay you will need an eligible Apple device. For a list of compatible Apple Pay devices, click here.
You can also use your eligible device for in-app and on the web payments.
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.
Your Card in Apple Pay is protected by your unique Touch ID using fingerprint technology, Face ID and/or personal 'Passcode' that you use to access your device to help make it as secure as possible. You must either use the Touch ID, Face ID or the Passcode for your device to complete a purchase using Apple Pay.
All your payment account information will be encrypted and protected within Apple's secure environment.
To find out more about Apple Pay, click here
Mobile Wallet Security
We keep your transactions safe with 4 layers of protection, and every purchase
is approved by American Express.
Terms of Use & Important Information
Using American Express with Apple Pay: Important Information
Using Apple Pay with American Express® Cards
You can use your American Express® Card to make purchases online or in-store using Apple Pay. Your Card Member Agreement governs the use of your Card in Apple Pay.
Security & Your Apple Device
You must always keep each of your Apple devices (such as iPhone, iMac, MacBook, iPad or Apple Watch) and your security credentials safe and secure. Never share your password, passcode or Apple ID with anyone or allow another person to register for Touch ID or Face ID on your device. Sharing these security features will allow that person to be able to make payments using your Card in Apple Pay. Please be aware that if you do allow someone access to your Apple device and passwords, you will be responsible for their use of your Card in Apple Pay.
We recommend you always use the security features available on each of your Apple devices – like the lock feature. For more information about security in Apple Pay click here.
Lost/Stolen Device & Unauthorised Use
If your Apple device is lost, stolen or compromised in any way, or if someone has used your Card in Apple Pay without your consent – call us immediately using the number on the back of your Card. We can then suspend or remove your Card from Apple Pay to prevent further unauthorised use.
Using Your Information and Data Protection
We use your information to manage your use of Apple Pay. Apple also shares information with us for fraud and identification purposes. We will always use your personal information in accordance with the American Express Online Privacy Statement.
When you register your Card in Apple Pay, Apple may access and process your information, including information about your transactions. Apple may use this information in an aggregated and de-identified way to help improve Apple Pay. Apple’s use of your personal information is solely governed by Apple's privacy policy.
Using Apple Technology
In order to use Apple Pay, you must agree to Apple’s terms of use and privacy policy which govern your use of Apple Pay. Apple may change Apple Pay from time to time. American Express has no control over Apple’s decisions to change Apple Pay, its terms of use or privacy policies or any of its products or services.
You can find more information about Apple Pay, including a list of compatible devices here.
Apple Pay, Apple, iPhone, iMac, MacBook, iPad, Face ID
and Apple Watch are trademarks of Apple Inc., registered in the US and other countries.
Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Touch Bar is a trademark of Apple Inc.