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About Android Pay

Tell me about Android Pay™ and how I can use it as an American Express Card Member

Tell me about Android Pay™ and how I can use it as an American Express Card Member

Android Pay is a way to make contactless payments using your compatible Android device.

You can now use an eligible American Express® Card with Android Pay to pay for goods at retailers that accept American Express contactless payments.

As an American Express Card Member, you can also get the following feature in Android Pay:
•Real-time notifications and details about your purchases with your Card in Android Pay.

See how to add your Card now.

Which American Express Cards are eligible for Android Pay?

Which American Express Cards are eligible for Android Pay?

An eligible Card is an active Personal and Corporate Card issued by American Express International Inc. in Singapore.

Android Pay is not available to holders of American Express Corporate Meeting Card, American Express Corporate Purchasing Card, American Express Business Travel Account, American Express International Currency Card, credit cards bearing the American Express name, brand or logo issued by DBS Bank Limited, United Overseas Bank Limited, Citibank Singapore Limited, or with Virtual Pay American Express issued by United Overseas Bank Limited.

Your current Card does not need to be contactless in order to use Android Pay.

See how to add your Card now.

Which devices are eligible for Android Pay?

Which devices are eligible for Android Pay?

In order to use Android Pay for in-store payments, you need to have a compatible NFC-enabled device running AndroidTM 4.4, Kit Kat® or higher and the Android Pay app. To download the Android Pay app or to check if your device is compatible with Android Pay, visit the Google Play Store. The Near Field Communication (NFC) is the technology which allows your Smartphone to communicate with the terminal at any Merchant accepting contactless transactions. You can make in-app payments even if your phone does not have NFC capabilities. Android, Android Pay and Google Play are trademarks of Google Inc.

In order to use Android Pay, you must agree to Google’s terms of use and privacy policy. American Express has no control over Google’s decisions to change Android Pay or any of its services, products or software.

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

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

To deliver you the best Android Pay experience, we will share certain account information about each Card you have selected to use with Android Pay and will make that information available for display on your device, such as data for your recent purchases. For more information on Google Payments, please visit payments.google.com. If you have any additional questions about your device’s security features, please reach out to Google directly.

To understand which personal information Google will have access to once you register your Card you can find out more by reading Google’s Privacy Policy.

How secure is an Android Pay transaction?

How secure is an Android Pay transaction?

All of your payment information will be encrypted with Industry-standard SSL (secure socket layer) technology and stored on secure servers.

By using a virtual account number to represent your Card information, your Card details stay safe and secure as your plastic Card details are never shown in the app or shared with the merchant when you make payments in store.

Refer to the security settings on your device for further information.

What are the Terms and Conditions to use Android Pay?

What are the Terms and Conditions to use Android Pay?

Your American Express Card Member Agreement governs the use of your American Express Card in Android Pay. Additionally, you are required to accept the “important information” displayed when you set up your American Express Card into Android Pay.

How to set up

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

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

1. It is simple to add your Card to your compatible Android device. Download and open the Android Pay app on your compatible Android device.

2. You may add a new eligible American Express Card via the following methods:
  • By following the on-screen prompts to take a picture of your Card or
  • Add your Card manually by entering your Card information or
  • If a Card is already linked to a Google account, you can add it to Android Pay by confirming a few details.
3. Enter your Security Code (the 4 digit number on the front of your Card) and accept the American Express Terms of Use for Android Pay. (You will also need to accept Google Payments’ own terms and conditions which you can find here payments.google.com)

How do I set American Express as my default Card?

How do I set American Express as my default Card?

The first Card you add to your compatible Android device is automatically set as default for all Android Pay transactions.

To make American Express your default Card, you can drag and drop the selected Card to the default spot on the screen. 

See how to make a payment with Android Pay now.

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 American Express Card is the 4 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 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 3 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 us at the number found on the back of your Card.

Using Android Pay

Where can I use Android Pay?

Where can I use Android Pay?

In-store

You can use Android Pay to make payments with your compatible Android device wherever American Express contactless payments are accepted. 
Fluxcontactless
Just look for the contactless and/or Android Pay symbol at checkout.

In-app

You can also use Android Pay in participating merchant apps with supported devices.

Look for the “Buy with Android Pay” button at checkout within the apps.
BuyWithAndroidPay_250x43

How does Android Pay work?

How does Android Pay work?

In-store

To make a payment using Android Pay, wake up your device and hold it near the contactless reader.
You might be prompted to authenticate by unlocking device or performing a second tap on the terminal.
When the transaction is successful, you will see a tick mark on your screen.
You will feel a brief vibration or hear a beep from the device before your purchase is completed.

In-app

Look for the Android Pay/Buy with Android 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.

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?

There is a limited number of transactions permitted during a period without internet access, after which your device will need an internet connection to make additional authorisations.

You will also need an active internet connection to activate the app or add a new Card.

How much can I spend in an Android Pay transaction?

How much can I spend in an Android Pay transaction?

At many retailers you can make Android Pay transactions up to S$100 where American Express contactless is accepted.

Please check in-store for details.

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 American Express Card when you use it with Android Pay.

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?

For your security, when you add your American Express Card to Android Pay, a Virtual Account Number is created which is different to your Card number and unique to your device.

Your Virtual Account Number is used to make purchases with your Card using Android Pay.

You can find your Virtual Account Number by tapping on your Card in the Android Pay app and scrolling 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?

If you have returned an item purchased via Android Pay the retailer may ask you to provide the last four digits of your Virtual Account number.

You can find your Virtual Account Number by tapping on your Card in the Android Pay app and scrolling down to your Card details.

Please remember to keep the original receipt you received from the merchant at the time of purchase as the Android Pay receipt is not an official proof of purchase.

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 Centre for advice.

American Express has no control over Android’s decisions to change Android Pay or any of its services, products or software.

Are there any costs associated with using Android Pay?

Are there any costs associated with using Android Pay?

American Express will not charge you for using Android Pay. Using Android Pay might require 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

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

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

You can view and manage your Cards in the Android Pay app. When you tap on your Card, scroll down to view your Card details, including transactions and your Virtual Account Number. You also have the ability to remove your Card from the device.

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 in Android Pay to make transactions before receiving your new physical Card.

Once I add my Card, how can I remove Cards from my device?

Once I add my Card, how can I remove Cards from my device?

You can remove your Card by tapping your Card in the Android Pay app and selecting "Remove Card" at the bottom of the screen.

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 Android Pay Card information has been lost, stolen or compromised in any way, please contact us immediately at the number found on the back of your Card.

You may also use the Android Device Manager (google.com/android/devicemanager) to instantly lock your device from anywhere, secure it with a new password or wipe it clean of personal data.

Managing your transactions

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

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

You will see your purchases in the ‘Transaction Display’ of your Card in Android Pay.

The purchases you see will be from using your Card using Android Pay, but not from using your physical Card.

You can turn ‘Transaction Display’ off from Settings > Notifications > Toggle off.

For all official statement information, please refer to your online Card Account or the Amex app.

What if I don’t recognize a charge?

What if I don’t recognize a charge?

A charge might appear on your statement that you disagree with or want to query. Just contact us and we will get on the case to help resolve the charge in question.

For more information about the security of using your American Express Card Account, please visit our website.

Terms & Conditions (+)

Terms & Conditions (-)

Android, Android Pay, and the Android Logo are trademarks of Google Inc. The Android Robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.

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Copyright © 2017 American Express Company. Users of this site agree to be bound by American Express Web Site Rules and Regulations. American Express International, Inc.(UEN S68FC1878J), Incorporated with limited liability in the state of Delaware, USA with a place of business at 10 Marina Boulevard #15-00, Marina Bay Financial Centre Tower 2, Singapore 018983.