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What is contactless?

Whether you’re buying coffee, a sandwich or even a train ticket, contactless is the quick, easy and secure way to make payments up to £30 with your American Express Card. Simply touch your Card on the reader, wait for the beep and you’re done. What’s more, with Amex Pay and Apple Pay™, you can even pay with your phone.

Accepted far and wide

You can use your Card at any reader that displays our contactless symbols, there are thousands of stores across the country that accept American Express contactless payments, including:

American Express
with Apple Pay

Apple Pay is a way to pay in-store with an iPhone 6, 6S, 7 or Apple Watch, and the exciting news is you can use it with your eligible American Express Card.

Amex App

With the Amex App you can easily manage your Account and view Amex Offers on the go, plus get instant notifications on purchases made by you or your Supplementary Cardmember. You can also use Amex Pay with an Android device.

Shop Confidently

Contactless is just as secure as Chip and PIN, and you are still protected by the same fraud protection and other guarantees.

Not a Cardmember yet?

From exclusive travel benefits to shopping and dining offers to earning points on purchases to cashback, American Express has a Card to suit all preferences, each with great benefits and world class service. Browse the full range and find the perfect match for you.

Frequently Asked Questions  

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Frequently Asked Questions  

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How does contactless actually work? 
Contactless works by using short range wireless technology, so the Point of Sale terminal will pick up a signal from your Card when it’s very close to it.

How do I know if my Card is contactless? 
Currently, most American Express products have contactless technology. To see if your Card has the contactless capability, look for the contactless symbol on the back or front of your Card. 
Is my American Express contactless Card secure? 
Yes, it is very secure. American Express issued contactless Cards use the same secure encryption technology as any other American Express Chip and PIN Card. For a payment to be accepted, a merchant must enter the amount at the Point of Sale terminal and you will need to tap your contactless Card to complete the payment.

I carry more than one contactless Card, in my wallet or purse; which one will be used if I touch my wallet or purse against the Point of Sale terminal? 
We do not recommend touching your wallet or purse against the Point of Sale terminal if you have more than one Card in it that is contactless. You should only present the Card you wish to pay with to the Point of Sale terminal. It is therefore suggested that if your wallet or purse contains more than one contactless Card, you remove the contactless Card you wish to use and touch it against the Point of Sale terminal.

I have received a contactless Card; can I choose to have a Chip and PIN Card instead? 
Your contactless Card is also a Chip and PIN Card. It can be used for Chip and PIN only payments if you wish. You decide how you use your Card to pay for goods and services so simply advise the merchant you wish to pay by Chip and PIN.

I tried to use my contactless Card for the first time but was asked to enter my PIN; why did this happen? 
When you first use your new contactless Card you may be asked to enter your PIN to initialize the contactless facility.

My Card seems to have stopped working for contactless payments? 
Not all merchants accept contactless payments. Check that the Point of Sale terminal is enabled for American Express contactless payments. If the Point of Sale terminal is enabled for American Express contactless payments, call the number on the back of your Card and we will arrange a replacement Card for you. You can use your Card with your PIN in the meantime.

Can I use my contactless Card abroad? 
You can use your contactless Card abroad in most places that you see the contactless acceptance symbol and the American Express logo. The transaction limit for American Express contactless payments vary according to each country’s terminal standard, as such your experience may differ by country. If you are unable to perform a contactless transaction you will still be able to perform either a Chip & PIN or Magnetic stripe payment.

Can I still collect rewards on my Card? 
Yes, your contactless payments are eligible for rewards like your normal Chip and PIN payments. 

Why can't I see a charge on my on-line Account when I used my contactless Card today for a transaction? 
All payments, including contactless payments, take up to 48 hours to be submitted and processed.

Will I receive a receipt for my payments? 
Contactless payments are designed to let you make low value payments quickly and conveniently. If you would like a receipt to confirm the contactless transaction just ask the merchant when you pay. Please note that this may not be directly available in all circumstances. 

If my Card is lost or stolen, what would my liability be? 
American Express provides protection for all our customers through our Fraud Protection Guarantee.