Apple Pay

Introducing Apple Pay

It's easy and secure to pay with your mobile device.

Paying with your American Express® Card with Apple Pay means you can make in-app, in-store and online payments simply and safely.

High value purchases

With Apple Pay, you won’t be restricted by

the same £45* contactless Card limit.

Worry-free shopping

With four layers of protection, we’ve got

your back, every step of the way.

Life should be rewarding

Earn and enjoy the same great rewards

when you shop using American Express

with Apple Pay.

*Retailer limits may apply. Check before paying.

How to set up Apple Pay

Open the Wallet app on your Apple

device and tap the '+' sign to add your

American Express Card.

For security purposes, we may ask you to enter a One-Time Password to confirm your identity. Please follow the on-screen instructions.

And you're done - it's that simple.

How to use Apple Pay

Hold your phone up to a contactless

reader (there’s no need to wake your

phone or open the app).

Use Touch or Face ID to confirm it’s you.

Wait for your payment to be authorised

– you’ll feel a vibration or hear a beep.

Where to use Apple Pay

You can use Apple Pay at thousands of places that welcome American

Express contactless payments, either in-store, online or in-app. Pay for your groceries

or a new pair of trainers with Apple Pay.

On the go?

You can use Apple Pay on all TfL services, including the underground, buses

and trams with just one single touch.

Simply select your American Express Card for Express Transit in the wallet

app and you're good to go - no authentication needed.

Frequently Asked Questions

Paying in-store

To pay in stores, there is no need to wake your iPhone or open an app. Just hold the iPhone near the reader with your finger on Touch ID or use Face ID. You’ll see “Done” on the display, along with a subtle vibration and beep, letting you know your payment information was sent. On Apple Watch, double-click the side button and hold the display of your Apple Watch up to the reader. A gentle tap and beep confirm that your payment information was sent.

Paying in apps and on the web

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

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.

With Apple Pay, you can make simple and secure mobile payments for amounts of up to and above £45 contactless limits, without entering your PIN on the terminal. However, some merchants may apply their own limits.

Check in-store for more details.

An eligible Card is an active UK American Express issued Personal or Small Business Credit or Charge Card, or an American Express Corporate Card. Your current Card does not need to be contactless in order to use Apple Pay.

American Express Pre-paid Cards, Virtual Accounts, Corporate Purchasing Cards, International Currency Cards and Meeting Cards are not eligible.

In order to use Apple Pay you will need an eligible Apple device. For a list of compatible Apple Pay devices, click here.

You can also use your eligible device for in-app and on the web payments.

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.

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, Face ID or the Passcode for your device to complete a purchase using Apple Pay.

All your payment account information will be encrypted and protected within Apple's secure environment.

To find out more about Apple Pay, click here

Mobile Wallet Security

We keep your transactions safe with 4 layers of protection, and every purchase

is approved by American Express.

Learn More

Terms of Use & Important Information

Using American Express with Apple Pay: Important Information

There is no payment limit for Apple Pay transactions at many merchants that accept American Express contactless payments (a payment limit of £45* may apply at some merchants). Works with iPhone, Apple Watch, iPad and Mac. Requires iOS 8.3 or higher. See a full list of compatible devices and find detailed information on using Apple Pay here.

*Contactless payment limits subject to retailers, effective 1 April 2020. Please check in-store for more details.

Using Apple Pay with an American Express® Card

Apple Pay allows you to make purchases using your American Express Card with a compatible Apple device (such as an iPhone or Apple Watch). Your Cardmember Agreement governs the use of your Card in Apple Pay.

Security

Any person with your device passcode or a fingerprint registered to your device will be able to authorise transactions using your Card in 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.

If your device is lost or stolen

Call us immediately on the number on the back of your Card if your Apple device has been lost, stolen or compromised in any way. We can suspend or remove your Card from Apple Pay to prevent unauthorised use.

Using your information and data protection

We will use your information in accordance with the American Express Online Privacy Statement. In addition, as soon as you register your Card to your device. Apple may access and process your information, including information about your transactions. Apple’s use of your personal information is solely governed by Apple’s privacy policy.

Using Apple technology

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 or products (including Apple’s terms of use or privacy policies).

Apple and iPhone are trademarks of Apple Inc., registered in the US and other countries. Apple Pay is a trademark of Apple Inc.

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Touch Bar is a trademark of Apple Inc.