Click to Pay Terms

Effective September 2020



Click to Pay allows you to make convenient and secure online purchases with an eligible American Express® Card ("Card") issued by Amex Bank of Canada wherever you see Click to Pay or the Click to Pay icon  icon. Your Cardmember Agreement, Privacy Code and Online Privacy Statement as well as these Click to Pay Program Terms, apply to the use of your Card with Click to Pay.


For more information, see our Frequently Asked Questions


Your Data & Privacy

By using Click to Pay, you authorize and direct American Express to provide your personal information, including Card details and your contact information, such as email, phone number, and billing address, to the merchant to process your transaction as well as consent to the collection, use and sharing of your information for these purposes and in accordance with our Privacy Code and Online Privacy Statement, which may be updated from time to time. 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. 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.


Shared Devices & Authorized Access

It is your responsibility to make sure that no one else can use your card with Click to Pay. 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 with Click to Pay. When you select Remember me, a cookie is stored on your device’s browser which will remember that device when you check out with that device with merchants that have Click to Pay enabled.


Lost, Stolen or Compromised Device

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 using the telephone number on the back of your Card.


When Click to Pay is Unavailable

On rare occasions, Click to Pay checkout 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. We will not be liable to you if you cannot complete a purchase at your time of choosing, if the purchase price increases or if you miss out on a purchase.


Cancelling, Suspending or Changing Click to Pay

We may cancel, suspend or change your access to Click to Pay at any time. We may also revise these Click to Pay Program Terms at any time. We will update the Effective Date above when we do so.


Complying with Laws

You must always use Click to Pay in accordance with applicable laws. You must not interfere or disrupt the operation of Click to Pay in a way that might negatively impact others or cause any loss to American Express. These Click to Pay Program Terms are subject to the laws of the same country as your Cardmember Agreement.



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