An easy way to pay directly from your bank account.
How it Works
Frequently Asked Questions
Pay with Bank transfer is a new payment method powered by American Express Payment Services Limited, an authorised provider of the payment initiation service (PIS). This service allows you to pay for any purchase made on a website directly from your bank account. The money is sent directly from your bank account to the business's bank account. You do not need to type in any account number or sort code information, and, none of your payment information is stored with the business.
When you are ready to pay for your online order, simply select the Pay with Bank transfer payment option at checkout. You will then be asked to confirm the amount of the transaction and select your bank account from which you want to pay. Upon your selection, Pay with Bank transfer will securely redirect you to your bank's website for authentication. This will be based on your bank's standard authentication process and may include a one-time password or pre-set secure passwords. You will then be able to access your account and confirm the bank transfer to the business to complete the purchase.
The product securely re-directs you to your preferred bank. Your log-in credentials and personal information are used only by your bank to verify your identity and fund availability. Your personal payment information will not be stored by American Express or the business.
To use the service you will need a UK bank account with Bank of Scotland, Barclays, Halifax, HSBC, Lloyds, NatWest or Santander. You must have your online banking feature enabled.
No, there are no fees incurred by you for making a purchase via Pay with Bank transfer.
The transaction will be reflected on your bank statement issued by the bank you selected to make the payment from.
Please contact the business you have made the purchase from. Any refund or return will be processed by the business and is subject to their refund/return process.
Please contact your bank by calling the number listed on the back of your debit card if you see an unauthorised payment.
The product is currently integrated with Bank of Scotland, Barclays, Halifax, HSBC, Lloyds, NatWest and Santander.
This will work on any website that has the Pay with Bank transfer payment option displayed. Certain banks may impose a transaction amount limit.
No, you do not need to have an American Express Card. You simply need a UK bank account with Bank of Scotland, Barclays, HSBC, Halifax, Lloyds, NatWest or Santander.
Once the transaction has been approved by your bank, your bank account will be debited instantly.
Please contact the business you have made the purchase from. Please keep your order number handy so that the business can track the transaction and assist you.
If you have questions please contact your bank by calling the number listed on the back of your debit card. If necessary, your bank will help you through the formal dispute process. Your bank's contact details can be found at the back of your debit card.