American Express
Card PayID
Using PayID
PayID is a fast, simple, and secure payment method that allows you pay your American Express Card bill directly from your bank account, payments should arrive in under a minute.
It’s fast
PayID payments happen fast*. Payments should
arrive in under a minute. *Some payments may be subject to security checks which could delay a payment.
It’s simple
Activate your American Express Card PayID in 3 easy steps
It’s secure
PayID includes a confirmation step before the payment is made so you can check you are paying American Express.
View or Activate your PayID
Activate your American Express Card PayID in as easy as 3 simple steps
Before paying for the first time, you must activate your Amex Card PayID.
Activate your Amex Card PayID by
visiting amex.com.au/activatepayid
or by logging into your Online Account,
selecting the ‘Payments’ tab and clicking
on ‘View or Activate your PayID’.
Select the Amex Card PayID you
would like to view or activate, and
follow the prompts.
Once activated, you can pay your
Card bill directly from your mobile
Your unique American Express Card PayID can be viewed at any time by referring to your statement
or by logging into your Online Account, selecting the ‘Payments’ tab and clicking on ‘View or Activate your PayID.
These terms and conditions apply to your use of PayID to make payments to your American Express Card PayID, using Australia’s New Payments Platform (NPP). By using PayID to make such payments, you agree to these terms and conditions.
1. What is PayID? PayID allows you to make payments to your American Express account from your participating bank or financial institution using the NPP, by using the provided ‘American Express Card PayID’. Your use of PayID is optional.
2. Your American Express PayID identifier: Your American Express Card PayID is a unique identifier assigned to your Card Account. Your PayID must be created by activating your American Express Card PayID. If you have multiple American Express Cards, you must activate a different American Express Card PayID for each American Express Card that you have. You only need to activate your American Express PayID for each eligible Card once. You cannot change the unique identifier assigned to your Card. Additional, supplementary, or corporate Cards are not eligible to activate an American Express PayID.
3. Processing Times: Payments to your American Express Card Account should arrive in under a minute and your account balance will be updated at that time.
4. Delays: From time to time, there may be delays in processing payments and updating information (such as an account balance) due to technical difficulties, outages, maintenance and additional compliance processes and checks. American Express is not responsible for any delays or limits that are outside of its control. Your bank may delay a payment for a period of 48 hours for security reasons (this may happen the first time you use the American Express Card PayID – for more information, contact your bank directly).
5. Bank Limits: You can make as many PayID payments as you choose, however your bank may impose limits on the value of payments from your bank account (for example, daily limits or single transaction limits). This may mean that you cannot pay the full amount of your balance in one transaction. For more information, contact your bank directly.
6. Unauthorised Use of Your PayID: You must notify us as soon as possible if you identify or suspect any fraudulent or unauthorised use of your American Express Card PayID.
7. Mistaken Payments: You are solely responsible for ensuring that payments are for the correct amount and use the correct PayID. You must notify us as soon as possible if you suspect that you have made a mistaken in payment when using PayID (for example, a payment for the incorrect amount or paying twice). You may request a full refund of a payment, but we cannot provide partial refunds.
8. If PayID is Unavailable or Suspended: From time to time, PayID for American Express accounts may be unavailable or suspended (for example, due to technical issues, maintenance down-time or suspension for security reasons). If PayID for American Express accounts is unavailable or suspended for any reason, it is your responsibility to use another means of payment and to continue to make repayments on your American Express account on-time and in accordance with your agreement with us.
9. Privacy: Your personal information may be shared with our bank, NPP Australia Limited and other NPP participants (for example, your bank) including their service providers in order to enable and manage payments, to manage fraud and unauthorised transactions and for related purposes as permitted by law. We will always handle your personal information in accordance with our Privacy Policies and the Privacy Act 1988 (Cth).
10. Queries and Disputes: If you have any questions or concerns about a PayID payment, please contact your bank or financial institution in the first instance.
How to use your American Express Card PayID
Once activated, you can pay your Card bill directly from your bank using mobile or internet banking.
| Log in to your preferred bank account ⓘ |
|
| Choose email as the PayID payment type | |
| Enter your unique American Express Card PayID | |
| Follow the prompts to make a payment (the payment reference field is optional) | |
| Payments should arrive and appear on your Account in under a minute. Note: Your bank may apply daily transaction limits or hold a payment for additional security checks. Contact your financial institution for further details. |
Log in to your preferred bank account
ⓘ
Choose email as the PayID payment type
Enter your unique American Express Card PayID
Follow the prompts to make a payment (the payment reference field is optional)
Payments should arrive in under a minute. Once received, your payment will appear on your Account within 24 hours.
Note: Your bank may apply daily transaction limits or hold a payment for additional security checks. Contact your financial institution for further details.
How to pay your Card bill via American Express Card PayID
These terms and conditions apply to your use of PayID to make payments to your American Express Card PayID, using Australia’s New Payments Platform (NPP). By using PayID to make such payments, you agree to these terms and conditions.
1. What is PayID? PayID allows you to make payments to your American Express account from your participating bank or financial institution using the NPP, by using the provided ‘American Express Card PayID’. Your use of PayID is optional.
2. Your American Express PayID identifier: Your American Express Card PayID is a unique identifier assigned to your Card Account. Your PayID must be created by activating your American Express Card PayID. If you have multiple American Express Cards, you must activate a different American Express Card PayID for each American Express Card that you have. You only need to activate your American Express PayID for each eligible Card once. You cannot change the unique identifier assigned to your Card. Additional, supplementary, or corporate Cards are not eligible to activate an American Express PayID.
3. Processing Times: Payments to your American Express Card Account should arrive in under a minute and your account balance will be updated at that time.
4. Delays: From time to time, there may be delays in processing payments and updating information (such as an account balance) due to technical difficulties, outages, maintenance and additional compliance processes and checks. American Express is not responsible for any delays or limits that are outside of its control. Your bank may delay a payment for a period of 48 hours for security reasons (this may happen the first time you use the American Express Card PayID – for more information, contact your bank directly).
5. Bank Limits: You can make as many PayID payments as you choose, however your bank may impose limits on the value of payments from your bank account (for example, daily limits or single transaction limits). This may mean that you cannot pay the full amount of your balance in one transaction. For more information, contact your bank directly.
6. Unauthorised Use of Your PayID: You must notify us as soon as possible if you identify or suspect any fraudulent or unauthorised use of your American Express Card PayID.
7. Mistaken Payments: You are solely responsible for ensuring that payments are for the correct amount and use the correct PayID. You must notify us as soon as possible if you suspect that you have made a mistaken in payment when using PayID (for example, a payment for the incorrect amount or paying twice). You may request a full refund of a payment, but we cannot provide partial refunds.
8. If PayID is Unavailable or Suspended: From time to time, PayID for American Express accounts may be unavailable or suspended (for example, due to technical issues, maintenance down-time or suspension for security reasons). If PayID for American Express accounts is unavailable or suspended for any reason, it is your responsibility to use another means of payment and to continue to make repayments on your American Express account on-time and in accordance with your agreement with us.
9. Privacy: Your personal information may be shared with our bank, NPP Australia Limited and other NPP participants (for example, your bank) including their service providers in order to enable and manage payments, to manage fraud and unauthorised transactions and for related purposes as permitted by law. We will always handle your personal information in accordance with our Privacy Policies and the Privacy Act 1988 (Cth).
10. Queries and Disputes: If you have any questions or concerns about a PayID payment, please contact your bank or financial institution in the first instance.
Frequently Asked Questions (FAQs)
Your American Express Card PayID allows you to make faster payments to American Express via the New Payments Platform.
Your unique American Express Card PayID is located on your Card statement or by logging into your Online Account, selecting the ‘Payments’ tab and clicking on ‘View or Activate your PayID’.
Personal Card:
Payments to your American Express Card Account must come from a personal bank account in your name or if applicable the name of an Additional Card Member. Payments can be made from a joint bank account if you, the main Card Member, or an Additional Card Member, are one of the signatories.
Business Card:
Payments to your American Express® Business Card Account must come from one of the following:
- A bank account in the name of the business associated with your American Express Business Card.
- A personal bank account in your name.
- If applicable, a bank account in the name of an Employee Card Member.
Note: Payments can be made from a joint bank account if you, the main Card Member, or an Employee Card Member, are one of the signatories.
Corporate Card:
Payments to an American Express® Corporate Card Account must come from a bank account in your name or in the name of your company. Payments can be made from a joint bank account if you, the main Card Member, are one of the signatories.
You can pay your Card bill faster directly from your bank account using your unique American Express Card PayID. Before paying for the first time, you must activate your Amex Card PayID by visiting americanexpress.com.au/activatepayid or by logging into your Online Account, selecting the ‘Payments’ tab and clicking on ‘View or Activate your PayID’.
Once activated, you can pay your Card bill directly from your bank using mobile or internet banking:
- Log in to your preferred bank account
- Choose email as the PayID payment type
- Enter your unique American Express Card PayID
- Follow the prompts to make a payment (the payment reference field is optional)
Payments should arrive in under a minute. Once received, your payment will appear on your Account within 24 hours.
Note: Your bank may apply daily transaction limits or hold a payment for additional security checks. Contact your financial institution for further details.
For Credit Cards, your ‘Available Credit’ and 'Current Balance' will be updated in under a minute upon receiving your payment. For Charge Cards, your ‘Current Balance’ will be updated after receiving your payment. Account balance updates and payments will appear on your online statement under ‘Transactions’ in under a minute.
You can also opt-in for Card Alerts to be notified that your payment has been received.
Your bank may hold a payment for additional security checks. Contact your financial institution for further details.
Your bank may apply daily transaction limits. Contact your financial institution for further details.
No. Your American Express Card PayID is unique to your Card Account. A reference number is not required.
No. PayID can only be used to pay money into your Account, never take money out. Your actual Account details will not be visible during the payment process.
You can view the full American Express Card PayID Terms and Conditions here.
These terms and conditions apply to your use of PayID to make payments to your American Express Card PayID, using Australia’s New Payments Platform (NPP). By using PayID to make such payments, you agree to these terms and conditions.
1. What is PayID? PayID allows you to make payments to your American Express account from your participating bank or financial institution using the NPP, by using the provided ‘American Express Card PayID’. Your use of PayID is optional.
2. Your American Express PayID identifier: Your American Express Card PayID is a unique identifier assigned to your Card Account. Your PayID must be created by activating your American Express Card PayID. If you have multiple American Express Cards, you must activate a different American Express Card PayID for each American Express Card that you have. You only need to activate your American Express PayID for each eligible Card once. You cannot change the unique identifier assigned to your Card. Additional, supplementary, or corporate Cards are not eligible to activate an American Express PayID.
3. Processing Times: Payments to your American Express Card Account should arrive in under a minute and your account balance will be updated at that time.
4. Delays: From time to time, there may be delays in processing payments and updating information (such as an account balance) due to technical difficulties, outages, maintenance and additional compliance processes and checks. American Express is not responsible for any delays or limits that are outside of its control. Your bank may delay a payment for a period of 48 hours for security reasons (this may happen the first time you use the American Express Card PayID – for more information, contact your bank directly).
5. Bank Limits: You can make as many PayID payments as you choose, however your bank may impose limits on the value of payments from your bank account (for example, daily limits or single transaction limits). This may mean that you cannot pay the full amount of your balance in one transaction. For more information, contact your bank directly.
6. Unauthorised Use of Your PayID: You must notify us as soon as possible if you identify or suspect any fraudulent or unauthorised use of your American Express Card PayID.
7. Mistaken Payments: You are solely responsible for ensuring that payments are for the correct amount and use the correct PayID. You must notify us as soon as possible if you suspect that you have made a mistaken in payment when using PayID (for example, a payment for the incorrect amount or paying twice). You may request a full refund of a payment, but we cannot provide partial refunds.
8. If PayID is Unavailable or Suspended: From time to time, PayID for American Express accounts may be unavailable or suspended (for example, due to technical issues, maintenance down-time or suspension for security reasons). If PayID for American Express accounts is unavailable or suspended for any reason, it is your responsibility to use another means of payment and to continue to make repayments on your American Express account on-time and in accordance with your agreement with us.
9. Privacy: Your personal information may be shared with our bank, NPP Australia Limited and other NPP participants (for example, your bank) including their service providers in order to enable and manage payments, to manage fraud and unauthorised transactions and for related purposes as permitted by law. We will always handle your personal information in accordance with our Privacy Policies and the Privacy Act 1988 (Cth).
10. Queries and Disputes: If you have any questions or concerns about a PayID payment, please contact your bank or financial institution in the first instance.