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About Google Pay

Tell me about Contactless Payments with Google Pay

Tell me about Contactless Payments with Google Pay

By linking your American Express card to your compatible Android device, you can make contactless purchases with Google Pay. Your Android device effectively becomes your card.

You can now use your eligible American Express Card with the Google Pay app to make contactless payments at retailers that accept American Express contactless payments.

You’ll be able to receive real-time notifications and details about your purchases with your Card in the Google Pay app.

See how to add your Card now.

Use of your card in Google Pay is governed by your Cardmember Agreement. For Important Information about using your Card in Google Pay – click here.

Google also allows you to register other cards and pay in many other ways using Google Pay, for more information about Google Pay click here.

Which American Express Cards can I link to an Android device?

Which American Express Cards can I link to an Android device?

All Australian American Express issued Cards, including Personal, Small Business and Corporate Cards are eligible to be linked for contactless payments using Google Pay.

Your current Card does not need to be contactless in order to use Google Pay.

If you have an American Express Card issued by a bank, please check with your issuer if you are eligible to participate by calling the number on the back of your Card. See how to add your Card now.

Which Android devices can I link my Amex card to?

Which Android devices can I link my Amex card to?

You need to have an NFC-enabled Android device running Kit Kat 4.4 or above and the Google Pay app. To download the Google Pay app or to check if your device is compatible with Google Pay, visit the Google Play Store. The Near Field Communication (NFC) is the technology which allows your Smartphone to communicate with the terminal at any Merchant accepting contactless transactions.

In order to use the Google Pay app, you must agree to Google’s terms of use and privacy policy. American Express has no control over Google’s decisions to change Google Pay or any of its services, products or software.

Do you share my Card Account number or other information with Google?

Do you share my Card Account number or other information with Google?

We will never share your Card Account information with Google

To deliver the best Google Pay app experience to you, we will display some Account information on your device (for each American Express Card you have selected to use).

This information will include recent purchases on each Card you are using. We always use your information in accordance with the American Express Online Privacy Statement.

To understand which personal information Google will have access to once you register your Card you can find out more by reading Google’s Privacy Policy.

How secure are contactless payments using my Android Device in Google Pay?

How secure are contactless payments using my Android Device in Google Pay?

Your Card is protected by your secure Android device lock - pin, password or pattern. For your security, when you make a purchase using your Android device, you must unlock your device using device lock.

All of your payment information will be encrypted with SSL (secure socket layer) technology and stored on secure servers.

When you make contactless payments using your Android Device in Google Pay, your plastic Card details are never shown or shared with the merchant when you make payments in store.

Can anyone else pay for goods and services using my Android device?

Can anyone else pay for goods and services using my Android device?

Any person with your device PIN, password, pattern or a fingerprint registered to your device will be able to authorise transactions using your Card in Google Pay.

You must keep your device safe and secure, and your device PIN, password and pattern 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.

What are the Terms and Conditions to use Google Pay

What are the Terms and Conditions to use Google Pay

Your American Express Card member Agreement governs the use of your American Express Card in Google Pay. We also provide you with some Important Information when you first link your American Express Card to your Android Device. You can find that Important Information here.

How to set up

How do I link my Card to my Android device to make contactless payments?

How do I link my Card to my Android device to make contactless payments?

It’s simple to add your Card to your compatible Android device

  • Open the Google Pay app on your device and tap the “+” sign. (If you do not have the app, you can download it from the Google Play Store.)
  • Either
  • choose to add the Card you already have added to your Google account; or
  • Add your Card manually by entering your Card information or taking a picture of your Card.
  • Enter your Security Code (the 4 digit number on the front of your Card) and read the Important Information provided. (You will also need to accept Google Payments’ own terms and conditions which you can find here.)

Important information: When linking your Card to your Android device you’ll see a $2 charge in your AMEX app, on your online statement or via notification. This verifies the card is valid but will not get charged to your account.

How do I set American Express as my default Card?

How do I set American Express as my default Card?

The first Card you add to your compatible Android device is automatically set as default for all contactless payments with Google Pay.

To make American Express your default Card, you can drag and drop the selected Card to the default spot on the screen.

See how to make a payment with the Google Pay app now.

What is a Security Code and why is it required?

What is a Security Code and why is it required?

The Security Code for your American Express Card is the 4 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 linking your Card to your Android device.

I was sent a one-time Verification Code. What is this and why is it required?

I was sent a one-time Verification Code. What is this and why is it required?

For security purposes, when linking your Card your Android device 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 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.

Your one-time Verification Code may expire if you aren’t able to enter it within 10 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 can’t 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.

Can I load more than one Card or use my Card on more than one Android device?

Can I load more than one Card or use my Card on more than one Android device?

American Express allows a maximum of 6 Cards on one device.

You can also add your Card to a maximum of 3 eligible Android devices – you will need to set it up on each device.

Can I use my Card with multiple Google accounts?

Can I use my Card with multiple Google accounts?

Yes. American Express allows you to add your eligible American Express Card to 2 unique Google accounts.

Using the Google Pay app

Where can I make contactless payments with Google Pay?

Where can I make contactless payments with Google Pay?

  You can use your Android device to make contactless payments with Google Pay wherever American Express contactless payments are accepted

Just look for the contactless and/or Google Pay symbol at checkout.

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How does the Google Pay app work?

How does the Google Pay app work?

To make a purchase, wake up the device and hold it near the contactless reader until your device beeps or vibrates and a checkmark appears on the screen indicating your purchase is complete. You may be prompted to unlock the device first by providing your PIN, passcode, pattern or fingerprint.

How do I get a refund for contactless purchases where I used Google Pay?

How do I get a refund for contactless purchases where I used Google Pay?

If you have returned an item purchased by way of contactless payment using your Android device, the retailer may ask you to provide the last four digits of your Virtual Account Number.

You can find your Virtual Account Number by tapping on your Card in the Google Pay app and scrolling down to your Card details.

I’m having a problem with my device’s software or hardware. What should I do?

I’m having a problem with my device’s software or hardware. What should I do?

If you are having difficulty with your software or hardware, please visit Google Pay Help Centre for advice.

American Express has no control over Google’s decisions to change Google Pay or any of its services, products or software.

Managing your Card

How do I view and manage my Card in the Google Pay app?

How do I view and manage my Card in the Google Pay app?

You can view and manage your Cards in the Google Pay app. When you tap on your Card, scroll down to view your Card details including transactions. You also have the ability to remove your Card from the device.

If I receive a replacement Card, do I need to update my Card information on my Android device?

If I receive a replacement Card, do I need to update my Card information on my Android device?

No, your Virtual Account Number is connected to your new Card number automatically.

You can use your Card in the Google Pay app to make contactless payments before receiving your new physical Card.

Once I add my Card, how can I remove Cards from my device?

Once I add my Card, how can I remove Cards from my device?

You can remove your Card by tapping your Card in the Google Pay app and selecting "Remove Card" or “Deactivate in-store”.

My device has been lost or stolen and I want to delete or suspend my Card. What should I do?

My device has been lost or stolen and I want to delete or suspend my Card. What should I do?

If you believe your device or Google Pay Contactless Card information has been lost, stolen or compromised in any way, call us immediately.

Managing your transactions

What transactions will appear when using Contactless Payments with Google Pay and how are they different to my statement?

What transactions will appear when using Contactless Payments with Google Pay and how are they different to my statement?

You will see all your purchases in the ‘Transaction Display’ of your Card in Google Pay.

The purchases you see will be from using your Card through the Google Pay app, instead of using your physical Card.

You can turn ‘Transaction Display’ off from Settings > Notifications > Toggle off.

For all official statement information, please refer to your online Card Account, or the Amex app.

How will a Contactless Payment with Google Pay appear on my American Express statement?

How will a Contactless Payment with Google Pay appear on my American Express statement?

On the Amex app, you will be able to expand the selected transaction and see that it was made via Google Pay.

We are always looking at ways to improve our online service and the detail we make available to you.

Why do some transaction amounts differ between Contactless Payments with Google Pay and my online Account?

Why do some transaction amounts differ between Contactless Payments with Google Pay and my online Account?

For some transactions, Contactless Payments with Google Pay may show a pre-authorisation amount, rather than the amount the merchant actually charged.

What if I don’t recognise a charge?

What if I don’t recognise a charge?

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 American Express Card Account, please visit our Safe and Secure page on our website.

Terms & Conditions (+)

Terms & Conditions (-)

Google Pay and the Google Logo are trademarks of Google LLC.

American Express Australia Limited (ABN 92 108 952 085). Australian Credit Licence No. 291313. ®Registered Trademark of American Express Company. ™Trademark of American Express Company. Credit Terms and Conditions apply.