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About Android Pay

Tell me about Android Pay and how I can use it as an American Express® Cardmember

Tell me about Android Pay and how I can use it as an American Express® Cardmember

  • Android Pay is a new way to make contactless payments using your eligible Android Device
  • You can now use an eligible American Express® Card1 at participating American Express accepting merchants2 with Android Pay to make in-store and in-app purchases.
  • See How to Add Your Card

Which American Express® Cards are eligible for Android Pay?

Which American Express® Cards are eligible for Android Pay?

  • Eligible Cards include American Express credit or charge Cards that are not cancelled or suspended and that are issued to you by Amex Bank of Canada. Prepaid cards and products (such as the American Express Gift Card) as well as Corporate Purchasing Cards, Global Dollar Cards and Corporate Meeting Cards are not eligible for the Android Pay Program
  • Your current Card does not need to be contactless in order to use Android Pay.
  • American Express Prepaid Cards and products (such as the American Express Gift Card) are not eligible.
  • See How to Add Your Card

Which devices are eligible for Android Pay in Canada?

Which devices are eligible for Android Pay in Canada?

  • In order to use Android Pay mobile wallet, you will need an NFC-enabled Android device running Kit Kat 4.4 or above and the Android Pay app.
  • To download Android Pay or to check if your device is compatible with Android Pay, visit the Google Play Store or play.google.com/store.

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

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

  • When adding and using your Card in Android Pay, we collect from Google and share with Google certain information (such as your name and Card information) to verify your identity, to enable you to use your Card in Android Pay, to manage fraud and security risk, and to facilitate your participation in Android Pay (for example, to display information about your transactions). We collect, use and share your information for these purposes and in accordance with our Privacy Code and Online Privacy Statement, which may be updated from time to time. For more information on Google’s use of your personal information, please visit Google’s privacy policy.
  • When adding an eligible Card to Android Pay, you will also be adding your Card to Google Payments. This allows you to use your Card to make purchases in places like the Google Play Store and online with Google. If you remove your Card from Google Payments, your Card will remain in Android Pay. For more information on Google Payments, please visit payments.google.com
  • We will display some Card account information on your device for each Card you have selected to use, such as recent transactions made using Android Pay.

Can anyone other than me pay for goods and services using my device?

Can anyone other than me pay for goods and services using my device?

  • Any person with your device PIN, passcode, pattern or a fingerprint registered to your device will be able to access your Card in Android Pay.
  • Review who has access to your device, and do not let anyone else have their fingerprint registered to your device while your Card is registered with it or give them your device lock as this will allow them to authorize transactions on your Card with Android Pay.
  • If you believe your device or Android Pay Card information has been lost, stolen or compromised in any way, call American Express Customer Care immediately at the number on the back of your plastic Card. You can also go to Android Device Manager to help you find, lock and erase your device
  • Refer to the security settings on your device and your Cardmember Agreement for further information.

How does the American Express Fraud Protection Guarantee apply to Android Pay?

How does the American Express Fraud Protection Guarantee apply to Android Pay?

  • The American Express Fraud Protection Guarantee applies regardless of how you choose to pay.
  • Use your Card online or off, and you won't be held responsible for any fraudulent charges, as long as you've taken reasonable care to protect your account details, device lock and any device on which you have added your account information. For example, do not give anyone else your passcode or let them add their fingerprint to your device while your Card is registered with it, as this will allow them to authorize transactions on your Card with Android Pay.
  • For more information about the security of using your Card, please visit our Fraud Protection page on our website for our Fraud Protection Guarantee.

What are the Terms and Conditions to use my Card in Android Pay?

What are the Terms and Conditions to use my Card in Android Pay?

  • The use of your Card in Android Pay is governed by the American Express Terms and Conditions and the applicable Cardmember Agreement for your Card.
  • To use Android Pay, you must agree to Google terms of use and privacy policy. American Express has no control over Android Pay or any Google service, product, software or hardware.

How to set up

How do I add my Card to Android Pay?

How do I add my Card to Android Pay?

  • To add your American Express Card to an eligible Android Device, download Android Pay from the Google Play Store, open Android Pay and follow the on-screen instructions.
  • With all eligible Android Devices, you can add a new eligible American Express Card1 by manually entering your Card information or performing an image scan of your Card or you can add Card you have already added to your Google Payment account.
  • You will always need to enter your Card expiry date, Card Security Code and accept the American Express Terms & Conditions for Android Pay each time you add a Card to Android Pay.
  • If you are unable to successfully add your Card to Android Pay, please call the number on the back of your Card.
  • See How to Make a Payment with Android Pay.

How do I select American Express as my default Card?

How do I select American Express as my default Card?

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 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 Android Pay.

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 adding your Card to Android Pay 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 by calling the number on the back of your Card.

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?

  • Android Pay allows for up to 6 eligible American Express Cards1 on one device.
  • You can add your Card on up to 3 eligible Android devices. For each of your devices, you will need to add your Card by visiting Android Pay.
  • American Express may permit you to add your Card to 2 Google accounts in your wallets.

Using Android Pay

Do I need to have an active internet connection for Android Pay to work?

Do I need to have an active internet connection for Android Pay to work?

An active internet connection may not be required to make in-store purchases. Currently, there is a limit of up to five transactions during a period without internet access, after which your phone will need an internet connection to make additional transactions. You will also need an active internet connection to activate the app or add a new Card.

How does Android Pay work?

How does Android Pay work?

  • To make an in-store payment using Android Pay, wake up the device and tap the top of your device on the reader where you would traditionally swipe or tap your Card at a merchant where American Express Cards are accepted. You may be prompted to authenticate the payment by providing your PIN, passcode, pattern or fingerprint to authorize the transaction.
  • Hold the device near the contactless reader until your device beeps or vibrates and a checkmark appears on the screen indicating your payment is complete. You may be permitted to make a select number of payments using your device simply by waking up the device and tapping on a contactless terminal without inputting your PIN, passcode, pattern or fingerprint.
  • To make a purchase in participating apps, select the “Android Pay” button when you reach the checkout screen.

Where can I use Android Pay?

Where can I use Android Pay?

In-store

  • You can use Android Pay on your eligible Android Device to make payments in-store at participating merchants where American Express Cards are accepted.

In-app

  • You can also use Android Pay in participating merchant apps with supported devices. Look for the “Android Pay” button at checkout within the apps.
  • For a list of where you can pay with Android Pay, visit android.com/pay.

How much can I spend in an Android Pay transaction?

How much can I spend in an Android Pay transaction?

  • You can use your Card in Android Pay for transactions up to the limit determined by the participating merchant for contactless payments.

My device shows that my transaction is successful, however the terminal says that it’s incomplete, what does this mean?

My device shows that my transaction is successful, however the terminal says that it’s incomplete, what does this mean?

  • The success screen which appears on your device upon payment indicates that a successful connection between your device and the terminal was made.
  • From time to time, you may need to tap your device over the terminal for a second time to ensure that the payment was processed. You will not be charged more than once for your purchase.

Do I still get the rewards I get with my Card when I use Android Pay?

Do I still get the rewards I get with my Card when I use Android Pay?

  • Yes, you receive all of the same rewards, security and benefits of your Card when you use it with Android Pay.
  • Please visit your American Express online account to see your individual Card benefits. You can also call the number on the back of your Card.

What is a Virtual Account Number and how is it different from my Card Account number?

What is a Virtual Account Number and how is it different from my Card Account number?

  • When you add your Card to Android Pay a Virtual Account Number – separate to your Card number and unique to your device – is created.
  • Your Virtual Account Number is used to make purchases with your Card using Android Pay.
  • You will have a different Virtual Account Number for every Card you have added to Android Pay.
  • To view the last four digits of your Virtual Account Number, tap on your Card in Android Pay and scroll down to your Card details.

How do I get a refund for something I purchased with Android Pay?

How do I get a refund for something I purchased with Android Pay?

  • In order to return a purchase made with Android Pay, you will need to use the Card that has the same Virtual Account Number used to make the original purchase.
  • To view the last four digits of your Virtual Account Number, tap on your Card in Android Pay and scroll down to your Card details.
  • Please note that, depending on the participating merchant, you may not be permitted to use your physical Card to return purchases made with Android Pay. You also may not be permitted to use Android Pay to return purchases made with your physical Card.

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 Android Pay Help Center.
  • American Express has no control over Android Pay or any Google service, product, software or hardware.

Are there any costs associated with using Android Pay?

Are there any costs associated with using Android Pay?

  • American Express does not currently charge a fee for using Android Pay. Certain features in Android Pay require an internet connection so you should check with your wireless carrier directly to determine the data and text messaging charges that may apply.

How secure is an Android Pay transaction?

How secure is an Android Pay transaction?

  • Your Card in Android Pay is protected by your PIN, passcode, pattern or fingerprint. For your security, when you make a purchase using Android Pay, you can verify with your PIN, passcode, pattern or fingerprint. You may be permitted to make a select number of payments using your device simply by waking up the device and tapping on a contactless terminal without inputting your PIN, passcode, pattern or fingerprint.
  • A Virtual Account Number, separate and unique from your physical Card account number, is used to make a purchase with Android Pay. All of your payment information will be encrypted with SSL (secure socket layer) technology and stored on secure servers. Your physical Card details are never shown in the app or shared with the merchant when you make a transaction.

Managing your Card

How do I view and manage my Card in Android Pay?

How do I view and manage my Card in Android Pay?

  • For Eligible Android Devices, you can view and manage your Cards in Android Pay.
  • When you tap on your Card, scroll down to view your Card details including transactions and your Virtual Account Number.

If I receive a replacement Card, do I need to update my Card information with Android Pay?

If I receive a replacement Card, do I need to update my Card information with Android Pay?

  • No, your Virtual Account Number is connected to your new Card number automatically.
  • You can use your Card with Android Pay to make transactions before receiving your new physical Card.

How do I remove my Card from Android Pay?

How do I remove my Card from Android Pay?

You can remove your Card from Android Pay by opening Android Pay > tap on an individual Card > Scroll to the bottom of the screen > tap “Remove Card”

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 information to access your Card in Android Pay has been lost, stolen or compromised in any way, call us immediately at the number on the back of your Card.
  • For eligible Android devices, you can use Android Device Manager to permanently remove the ability to make payments from your device.

Managing your transactions

What transactions will appear in Android Pay?

What transactions will appear in Android Pay?

  • You will see your most recent transactions from the last 12 months in the ‘Transactions’ display of your Card in Android Pay for your device.
  • For each Eligible Card added to Android Pay, you may also view purchase transactions made through your Device with that Eligible Card.
  • Information about the merchant locations where you’ve used Android Pay may be displayed in your Android Pay.
  • You may also receive notifications and see transactions listed for authorizations that haven’t been posted to your account yet.
  • For all official statement information, please refer to your American Express online account or the American Express Mobile App.

How will an Android Pay transaction appear on my American Express statement?

How will an Android Pay transaction appear on my American Express statement?

  • Android Pay transactions will appear on online and paper statements as normal transactions.
  • On the American Express App, you will be able to expand the selected transaction and see that it was made via Android Pay.

Why do some transaction amounts differ between Android Pay and my American Express online account?

Why do some transaction amounts differ between Android Pay and my American Express online account?

  • 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, Android Pay may show the $100 amount.
  • If you see a transaction in Android Pay that is higher than you expected, like in the example above, please check your American Express online account, statement or the American Express app for the correct amount.
  • Google may pre-authorize a payment at the time you provision your eligible Card to Android Pay in order to add your Card to the Google Payment account.

What if I don’t recognize a charge?

What if I don’t recognize 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 Card, please visit our Fraud Protection page on our website for our Fraud Protection Guarantee.

Android Pay Wallet Mobile Notifications & Messages

I’m getting notifications from my Card in Android Pay on my device. What are these notifications and how can I turn them off?

I’m getting notifications from my Card in Android Pay on my device. What are these notifications and how can I turn them off?

  • You may receive ‘Card Notifications’ for purchases from American Express in Android Pay to let you know about purchases made with both your physical Card and in Android Pay.
  • You can turn these on or off by opening Android Pay > tap the menu > tap Settings > tap the button beside each type of notification to turn off the switch.

Android Pay is a trademark of Google Inc.

Android, Android Pay, and the Android Logo are trademarks of Google Inc.

1 Available on eligible cards. Eligible cards are active American Express Consumer, Small Business or Corporate Cards (excluding Corporate Purchasing Cards and Corporate Meeting Cards) issued by Amex Bank of Canada. Prepaid cards and products (such as the American Express Gift Card) are not eligible.

2 Contactless Tap and Android Pay in app purchases may not be available on all transactions or with all merchants.

® : Used by Amex Bank of Canada under license from American Express.