Whether it’s biometric data like a thumbprint or faceprint, or a personal PIN, no one can use your device to pay without authorisation.
Your Card details are never stored on your device.
Every mobile payment is authorised directly by American Express.
The industry calls it
You can call it
With mobile payments, your Card details are never stored on your phone. Instead, we generate a random 15-digit ID (called a token) that is shared with merchants. It’s the key to your account, but only American Express can actually use it.
Here’s how it works.
Mobile payments, the most
secure way to pay.
See how tokens keep your transactions safe.Play video
Fraud Protection and alerts
Like most Card transactions, using mobile payments to pay with American Express means you and your money are covered by our fraud protection promise.
Our advanced fraud alerts can detect unusual activity, and notify you by SMS if we spot something out of the ordinary, or even if someone else is trying to add your Card to their device.
For added peace of mind, you can also set up everyday payment alerts, so you’ll always know when a payment has been made on your account.
You’re always ready for the unexpected.
Lost your Card?
Don’t wait for a replacement.
If you ever lose your American Express Card, and have mobile payments set up, you won’t have to wait for a new Card to arrive. We simply generate a new token for your device, linked to your new Card details, and you can start using mobile payments again right away.
Lost your phone?
Switch devices easily.
If the phone or tablet you use for mobile payments is ever lost or stolen, you’ll also be able to quickly set up mobile payments linked to your account on another device right away.
For added protection, Apple, Samsung or Android devices can easily be wiped remotely to remove any payment details stored on them.
That’s why mobile payments are the
Explore the benefits
most secure way to pay.
of mobile payments
Terms and Conditions
American Express Australia Limited (ABN 92 108 952 085). American Express Consumer Credit Cards are offered, issued and administered under Australian Credit Licence No 291313. ® Registered Trademark of American Express Company.
Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the US and other countries. Apple Pay, Face ID and Touch ID are trademarks of Apple Inc.
Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of the respective owners. Samsung Pay is available on select Samsung devices. Requires an Android phone running Kit Kat (4.4) or higher and supports NFC (Near Field Communication) and HCE (Host Card Emulation).
Android, Google Pay, and the Android Logo are trademarks of Google Inc. The Android Robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.