You need to have an NFC-enabled Android device running Lollipop 5.0 or above and the Google Pay app. To download the Google Pay app or to check if your device is compatible with Google 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.
Your Card is protected by your secure Android device lock - pin, password or pattern. For your security, when you make a purchase using your Android device, you must unlock your device using device lock.
All of your payment information will be encrypted with SSL (secure socket layer) technology and stored on secure servers.
When you make contactless payments using your Android device in Google Pay, your plastic Card details are never shown in the app or shared with the merchant when you make payments in store.
We will never share your Card Account information with Google
To deliver the best Google Pay app experience to you, we will display some Account information on your device (for each American Express Card you have selected to use.)
Any person with your device PIN, passcode, pattern or a fingerprint registered to your device will be able to access your Card in Google Pay.
You must keep your device safe and secure, and your device PIN, password and pattern 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.
Your American Express Cardmember Agreement governs the use of your American Express Card in Google Pay. We also provide you with some Important Information when you first link your American Express Card to your Android device. You can find that Important Information here.
How to set up
It’s simple to add your Card to your compatible Android device
Open the Google Pay app on your device and tap the “+” sign. (If you do not have the app, you can download it from the Google Play Store.)
Either choose to add the Card you already have added to your Google account or
Add your Card manually by entering your Card information or taking a picture of your Card.
Enter your Security Code (the 4 digit number on the front of your Card) and read the Important Information provided. (You will also need to accept Google Payments' own Terms and Conditions which you can find at payments.google.com.)
Important information: When linking your Card to Android device you’ll see a £1 in your AMEX app, on your online statement or via notification. This verifies the card is valid but will not get charged to your account.
The first Card you add to your compatible Android device is automatically set as default for all contactless payments with Google Pay.
To make American Express your default Card, you can drag and drop the selected Card to the default spot on the screen.
The Security Code for your Card is the four 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 linking your Card to your Android device.
For security purposes, when linking your Card to your Android device 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 message 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 approximately 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 cannot 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 by calling the number on the back of your Card.
Google Pay allows for up to six eligible American Express Cards1 on one device.
You can add your Card to a maximum of three eligible Android devices - you will need to set it up on each device.
Yes, American Express allows you to add your eligible American Express Card to two unique Google Accounts.
Using Google Pay
To make an in-store payment using Google Pay, wake up the device and tap the top of your device on the reader at a merchant where American Express Cards are accepted. You may be prompted to authenticate the payment by providing your PIN, passcode, pattern or fingerprint to authorize the transaction.
To make a purchase in participating apps, select the “Google Pay” button when you reach the checkout screen.
You can use your Android device to make contactless payments with Google Pay wherever American Express contactless payments are accepted.
Just look for the contactless and/or Google Pay symbol at checkout.
At many retailers you can make contactless transactions up to £30 (where American Express contactless is accepted.)
Some retailers may still only accept up to £20, whilst others may choose to allow purchases of greater than £30 specifically on Google Pay transactions.
Please check in-store for details.
If you have returned an item purchased by way of contactless payment using your Android device, 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 Google Pay app and scrolling down to your Card details.
If you are having difficulty with your software or hardware, please visit Google Pay Help Center.
American Express has no control over Google Pay or any Google service, product, software or hardware.
Managing your Card
You can view and manage your Cards in the Google Pay app. When you tap on your Card, scroll down to view your Card details including transactions. You also have the ability to remove your Card from the device.
No, your Virtual Account Number is connected to your new Card number automatically.
You can use your Card with Google Pay to make contactless payments before receiving your new physical Card.
You can remove your Card by tapping your Card in the Google Pay app and selecting 'Remove Card' or 'Deactivate in-store'.
If you believe your device or Google Pay contactless Card information has been lost, stolen or compromised in any way, call us immediately.
Managing your transactions
You will see your purchases in the ‘Transactions Display’ of your Card in Google Pay.
The purchases you see will be from using your Card through Google Pay app, instead of through using your physical Card.
You can turn ‘Transaction Display’ off from Settings > Notifications > Toggle off.
Contactless Payments with Google Pay will appear on online statements as GglPay transactions and on paper statements as standard transactions.
On the Amex app, you will be able to expand the selected transaction and see that it was made via Google Pay.
We are always looking at ways to improve our online service and the detail we make available to you.
For some transactions, Contactless Payments with Google Pay may show a pre-authorisation amount, rather than the amount the merchant actually charged
An example of this is if a hotel pre-authorises your Account for £30. The hotel may then only charge your Card £25 for the services you used during your stay, which will reflect in your online Account transactions as £25, however, the Google Pay app will always show the £30 amount.
If you see a Contactless transaction in Google Pay that is higher than you expected, like in the example above, please check your American Express online account, or the Amex App for the correct amount.
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.
For more information about the security of using your Card, please visit our Safe and Secure page on our website.