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American Express with Apple PayTM - Frequently Asked Questions

About Apple Pay

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

  • Apple Pay is the new way to make contactless payments using your Apple device
  • You can now use an eligible American Express® Card with Apple Pay to pay for goods at retailers that accept American Express contactless payments
  • See How to Add Your Card

Which American Express Cards are eligible for Apple Pay?

  • An eligible Card is an active American Express Consumer or Small Business Card issued in Hong Kong by American Express International, Inc. If you have a valid American Express Card issued by a licensed third-party financial institution, please check with your issuer if you are eligible to participate by calling the number on the back of your Card.
  • Your current Card does not need to be contactless in order to use Apple Pay
  • See How to Add Your Card

Which devices are eligible for Apple Pay in Hong Kong?

  • In order to use Apple Pay at participating American Express contactless merchants, you will need an iPhone X, iPhone 8, iPhone 8 Plus, iPhone 7, iPhone 7 Plus, iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus and iPhone SE running on iOS 9.0 or above, or an Apple Watch that is paired with an iPhone 5, iPhone 5c, iPhone 5s, iPhone 6, iPhone 6s, iPhone 6 Plus, iPhone 6s Plus, iPhone 7, iPhone 7 Plus, iPhone 8, iPhone 8 Plus, iPhone X or iPhone SE.
  • You will also be able to use the iPad Air 2, iPad mini 3, iPad mini 4 and iPad Pro or later for in-app and on the web payments.
  • Apple Pay works with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. 
  • For a list of compatible Apple Pay devices, click here.
  • In order to use Apple Pay, you must agree to Apple’s terms of use and privacy policy. American Express has no control over Apple’s decisions to change Apple Pay or any of its services, products or software

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

  • We are not going to share your physical Card number with Apple. However, to deliver the best Apple Pay experience, we will display some Account information on your device for each American Express Card you have selected to use, such as your recent purchases, so that it is personalised to you
  • You can turn off the display of transaction data at any time manually within Apple Pay by adjusting the ‘Card Notifications’ for each Card
  • As soon as you register your Card to your device, Apple may access and process some of your personal information, including information about your transactions in order to provide the Apple Pay service. Apple’s use of your personal information is solely governed by Apple’s Privacy Policy

How secure is an Apple Pay transaction?

  • Your Card in Apple Pay is protected by your unique ‘Touch ID’ using fingerprint technology, 'Face ID' and/or personal ‘Passcode’ that you use to access your device to help make it as secure as possible
  • You must either use the ‘Touch ID’ or the ‘Passcode’ for your device to complete a purchase using Apple Pay
  • All of your payment information is encrypted in a dedicated chip in your device, known as a Secure Element

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

  • Any person with your device ‘Passcode’, facial map or a fingerprint registered to your device will be able to authorise transactions using your Card with Apple Pay
  • You must keep your device safe and secure, and your device ‘Passcode’ 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 is Wallet?

  • Wallet is an iPhone app that is used to store your credit card for use with Apple Pay. Find out more about using Wallet here

How do I make purchases using Apple Pay?

  • The American Express Pass for Wallet (previously known as the American Express Pass for Passbook) allows you to receive automatic purchase notifications, Account balance and customer service information but it cannot be used to make purchases
  • Simply add your Card to Apple Pay to start making purchases using your eligible device

What are the Terms and Conditions to use Apple Pay?

  • Your American Express Cardmember Agreement governs the use of your American Express Card with Apple Pay. However, you are required to accept the “important information” displayed when you set up your American Express Card into Apple Pay

How to set up

How do I add my Card to Apple Pay to use it for payments?

  • Eligible iPhone/iPad
  • To add your American Express Card to your eligible iPhone, open the Wallet app and follow the on-screen instructions
  • Alternatively, use your iPhone or iPad menu to select: Settings > Wallet & Apple Pay > Add Credit Card
  • Please note, the Wallet app is not available for iPad

  • Apple Watch
  • To add an American Express Card on an Apple Watch, you must first pair your Watch with an eligible iPhone running on iOS 8.3 or later using the Apple Watch app
  • Once paired, open the Apple Watch app on your iPhone and select: Wallet & Apple Pay > Add Credit Card, and follow the on-screen instructions
  • Please note that the iPhone 5, iPhone 5c and iPhone 5s only enable payments for the Apple Watch. Payments cannot be made with the iPhone 5, iPhone 5c or iPhone 5s alone
  • With all eligible devices, you can choose to add the American Express Card you already have on file with your HK iTunes account or add new ones by manually entering your Card information or performing an image scan of your Card
  • You will always need to enter your Card expiry date, Card Security Code and accept the American Express Terms of Use for Apple Pay each time you add a Card to Apple Pay. You are also subject to Apple’s Terms and Conditions
  • See How to Make a Payment with Apple

How do I set American Express as my default Card?

  • The first Card you enter into Wallet is automatically set as default for all Apple Pay transactions
  • If it isn’t ready, you can make American Express your default Card in two ways:
    1. By visiting: Settings > Wallet & Apple Pay > Transaction Defaults - Default Card or
    2. Enter the Wallet app, press and hold your American Express Card and drag it downward to the front of your Wallet to make it your default Card within Apple Pay
  • See How to Make a Payment with Apple

What is a Security Code and why is it required?

  • The Security Code for your American Express Card is the four digits, 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 Apple Pay

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

  • For security purposes, when adding your Card to Apple 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 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 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 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 Apple device?

  • Apple Pay allows a maximum of Six Cards on one device.
  • We may permit you to add the same Card to up to a maximum of Five eligible iOS devices—you will need to set up your Card using the Wallet app for each device. Please note that the number of eligible iOS devices linkable to a Card is limited if that Card is already associated with more than Four (4) different Apple IDs.

Using Apple Pay Back To Top

How does Apple Pay work?

  • In-store (using eligible iPhone)
  • To make a payment using Apple Pay, hold your device near the contactless reader. You will be prompted to place your finger on the home button of your device to perform ‘Touch ID’
  • When the transaction is successful, you will see the word ‘Done’ and a tick mark on your screen. You will feel a brief vibration from the device before your purchase is completed
  • If ‘Touch ID’ doesn’t work, or you do not have it enabled, you will need to enter your device ‘Passcode’
  • In busy situations, you can also prepare your iPhone to make a payment before you have reached the contactless terminal. To do this, open Wallet, select the Card you wish to use and use Touch ID to ready the iPhone. Apple Pay will remain active for 60 seconds to allow you to tap your iPhone onto the contactless reader to complete the transaction

  • In-store (using Apple Watch)
  • To make a payment with the Apple Watch, double-click the side button to bring up the default Card
  • Hold the face of your Apple Watch to the contactless reader until you feel a gentle pulse and hear a tone. The purchase is then complete
  • For your security, all Apple Pay transactions require authorisation from American Express, similar to a Chip & PIN transaction
  • This may take a few seconds longer than you may have experienced with a contactless Card transaction, which typically does not send through an authorisation In-app (using eligible iPhone or iPad)
  • Look for the ‘Apple Pay’ icon at the online checkout to find out if it is a participating retailer whilst shopping on your device
  • Simply tap the icon and review your payment information and contact details to complete your purchase
  • You will see ‘Done’ and a tick mark on the screen when your payment is complete
  • Please be aware that in-app payments cannot be made through the Apple Watch, and in-store purchases cannot be made with an eligible iPad
  • If your American Express Card does not appear as an available payment option within the Apple Pay payment page, please ensure you are using the most up to date version of the retailer app. This can be confirmed by searching for the retailer app within the Apple Store

  • Paying in apps and on the web
  • To pay in apps and on the web with an iPhone and iPad, select Apple Pay as the payment method during checkout and place your finger on Touch ID. To pay on Mac in Safari, choose Apple Pay then complete the purchase with your iPhone or Apple Watch.

Where can I use Apple Pay?

  • In-store
  • You can use Apple Pay on your Eligible iOS Device or Apple Watch to make payments in-store at participating contactless merchants where American Express Cards are accepted.


  • In-app and on the web
  • You will be able to use Apple Pay in participating merchant apps and websites with your eligible device
  • Look out for the ‘Buy with Apple Pay’ or ‘Apple Pay’ icon at the checkout within the apps

How much can I spend in an Apple Pay transaction?

  • There is no spending limit in Apple Pay transaction. While participating merchants might some have different policy specifically on Apple Pay transaction. Please check in-store for details.

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

  • Yes, you receive all of the same rewards, security and benefits of your American Express Card when you use it with Apple Pay
  • Please visit your Card Account or the Amex app to see your individual Card benefits

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

  • When you add your American Express Card to Apple Pay a Device Account Number – separate to your Card number and unique to your device – is created
  • Your Device Account Number is used to make purchases with your Card using Apple Pay
  • You will have a different Device Account Number for every Card you have added to Apple Pay
  • The last four digits of your Device Account Number can be found in the settings menu in the Wallet app by tapping on the ‘i’ icon in the bottom-right corner

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

  • If you need to return a purchase made with Apple Pay, you may be asked to provide the last four digits of your Device Account Number instead of the last few digits of your Card number
  • To find the last four digits of your Device Account Number, select: Settings > Wallet & Apple Pay and choose the relevant Card
  • Alternatively, find it in the settings menu in the Wallet app by tapping on the ‘i’ icon

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 Apple’s support pages for advice
  • American Express has no control over Apple’s decisions to change Apple Pay or any of its services, products or software

Are there any costs associated with using Apple Pay?

  • American Express will not charge you for using Apple Pay. Using Apple Pay requires an internet connection so you should check with your mobile phone provider directly to determine if there is a cost associated with your internet service

Managing your Card Back To Top

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

  • iPhone and iPad
  • For Eligible iOS Devices, you can view and manage your Cards in Apple Pay
  • To do so, select Settings > Wallet & Apple Pay > tap on an individual Card > view the ‘Transaction Display’ to manage the settings associated with that Card in Apple Pay
  • For Eligible iOS Devices, you can also view and manage your Cards in the Wallet app by selecting an individual Card and tapping the ‘i’ in the bottom-right corner to get to the settings menu
  • Here you can view the ‘Transaction Display’ and manage the settings associated with that Card in Apple Pay

  • Apple Watch
  • You can view and manage your Cards on the Apple Watch within the Apple Watch app on your iPhone
  • Simply tap on an individual Card to manage the settings associated with that Card in Apple Pay
  • The Apple Watch app will not display transaction detail or transaction history

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

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

How do I remove my Card from Apple Pay?

  • You can remove your Card from Apple Pay by selecting: Settings > Wallet & Apple Pay > Select Card > Remove Card

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 Apple Pay Card information has been lost, stolen or compromised in any way, call us immediately
  • For iPhone and iPad, you can use the ‘Find My iPhone’ app to temporarily suspend or permanently remove the ability to make payments from your device, even if your device is offline
  • If you suspend your Card(s) using ‘Find My iPhone’, you can reactivate them simply by unlocking your device and entering your Apple ID when prompted
  • Using iCloud: For any eligible Apple Pay device, you can always go to, choose the applicable device and delete your Card(s)

Managing your transactionsBack To Top

What transactions will appear in Apple Pay and how are they different to my statement?

  • You will only see your last ten purchases in the ‘Transaction Display’ of your Card in Apple Pay for iPhone or iPad
  • The last ten purchases you see will be from using both your physical Card and using your Card with Apple Pay
  • You can turn ‘Transaction Display’ off when you turn off your ‘Card Notifications’ in the ‘Wallet & Apple Pay’ section of your device Settings
  • For all official statement information, please refer to your online Card Account, the Amex app or your monthly paper statement

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

  • Apple Pay transactions will appear on online and paper statements as normal transactions
  • On the Amex App, you will be able to expand the selected transaction and see that it was made via Apple Pay
  • However, we are constantly reviewing and improving our services so you may be able to see more information in your online transactions in the future

Why do some transaction amounts differ between Apple Pay and my 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, Apple Pay will always show the $100 amount
  • If you see a transaction in Apple Pay that is higher than you expected, like in the example above, please check your online account, statement or the American Express app for the correct amount

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

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

  • iPhone
  • You will receive ‘Card Notifications’ from your American Express Card in Apple Pay to let you know about purchases made with both your physical Card and in Apple Pay
  • You can turn these on or off by selecting: Settings > Wallet & Apple Pay > Card Notifications or by tapping the ‘i’ in the Wallet app to get to the settings menu
  • Please keep in mind that by turning off your ‘Card Notifications,’ you will no longer receive transaction notifications or other special messages from American Express, nor transaction history in Wallet

  • Apple Watch
  • You will not receive specific ‘Card Notifications’ for Cards added to Apple Pay for your Apple Watch
  • You may receive notifications on your Apple Watch if you have a Card added to Apple Pay on your paired iPhone and have push notifications enabled
  • You may also receive notifications on your Apple Watch if you have an active American Express Pass for Wallet
  • If you do not want to receive these notifications on your Apple Watch, select: Apple Watch app on your eligible device > General Settings > Notifications > Unselect Wallet & Apple Pay

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the US and other countries. Apple Pay, Face ID and Touch ID are trademarks of Apple Inc.