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Android PayTM - Frequently Asked Questions

About Android Pay

  
What is Android Pay and can I participate as an American Express® Card Member?

Android Pay allows eligible U.S. Card Members to use compatible Android devices to pay on the go at contactless merchants and in participating merchant apps wherever American Express Cards are accepted. As an American Express Card Member, you can also get these features in Android Pay:

  • Real-time notifications and details about your purchases with your Card in Android Pay
  • Seamless connection with the Amex® Mobile app for enhanced account monitoring, servicing on the go and access to rewards and offers

  
How does Android Pay work?

To use Android Pay for purchases, you must first add your eligible Card on your NFC-enabled Android device running Kit Kat 4.4 or above using the Android Pay app. If you don’t already have the Android Pay app on your device, you can download it from the Google Play Store. Once your Card has been added, wake up and unlock your device when you are ready to make a payment. Then hold your device near the contactless reader until your device beeps or vibrates and a checkmark appears on the screen indicating your payment is complete.

When adding your Card to Android Pay, you will also be adding your Card to Google Payments. This allows you to use your Card to make purchases in places like the Google Play Store and online with Google. For more information on Google Payments including the terms of use, please visit payments.google.com.

  
Where can I use Android Pay?

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

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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. For a list of where you can pay with Android Pay, visit android.com/pay.

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Which Cards and devices are eligible for Android Pay?

An "eligible American Express Card" means an American Express U.S. Consumer or Small Business credit or charge Card that is not cancelled and that is issued by a U.S. banking subsidiary of American Express. In addition, the following American Express Corporate Cards issued by American Express Travel Related Services Company, Inc. to an employee of a commercial Card customer working in the United States are eligible: American Express® Corporate Green Card; American Express® Corporate Gold Card; American Express® Corporate Platinum Card; American Express® Corporate Centurion Card; American Express®/ Business Extra® Corporate Card; and American Express® Corporate Defined Expense Program Corporate Card.

American Express does not support the following:

  • American Express® Prepaid Cards or products in Android Pay.
  • Purchases made through Android Pay with a Card other than an eligible American Express Card (see above).
  • Purchases made through a 3rd party such as a Google Wallet Card or a virtual MasterCard card funded with an American Express Card.

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.

In order to use Android Pay, you need to have an NFC-enabled Android device running Kit Kat 4.4 or above 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

  
Is my Card account number or other information being shared 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. When adding an eligible Card to Android Pay, you will also be adding your Card to Google Payments. This allows you to use your Card to make purchases in places like the Google Play Store and online with Google. 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.

  
How secure is an Android Pay transaction?

Your Card in Android Pay is protected by your secure Android device lock - pin, password or pattern. For your security, when you make a purchase using Android Pay, 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. Your plastic Card details are never shown in the app or shared with the merchant when you make payments in store.

Getting Started

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

To add an eligible American Express Card at any time on a compatible Android device, open the Android 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.

When adding your Card, you can choose to add the Card you already have added to your Google account or add new Cards by manually entering your Card information or taking a picture of your Card. You will always need to 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 each time you add a Card to Android Pay. You are also subject to Google Payments’ own terms & conditions.

  
What is a Security Code? Why is it required?

For security reasons, you will be required to enter your Security Code when adding your Card to Android Pay. The Security Code for your American Express Card (Card ID or CID) is the 4 digit, non-embossed number printed above your Card account number on the front of your physical Card.

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

For security purposes, 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 via email or text. If prompted, please select how you wish to receive the one-time Verification Code and then enter that code into the appropriate field. 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 10 minutes. You can request another code by selecting your preferred verification option again. 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.

  
Can I put multiple Cards on my device?

Yes. At this time, American Express allows up to 5 eligible American Express Cards in Android Pay on a device.

  
Can I put my Card on multiple devices?

Yes, you can add your eligible American Express Card on up to 5 devices. For each of your devices, you will need to add your Card by visiting the Android Pay app. 

  
Can I use my Card with multiple Google accounts?

Yes. At this time, American Express allows you to add your eligible American Express Card to two unique Google accounts in your wallets.

  
Once I add my Card, how can I suspend the ability to make payments or 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. 

Using Android Pay

  
What is a virtual account number and how is it different from my Card account number?

For your security, when you add your eligible American Express Card to Android Pay, a virtual account number – separate and unique to your device – is created. Your virtual account number is used to make purchases with your Card using Android Pay. To view the last four digits of your virtual account number, tap on your Card in the Android Pay app and scroll down to your Card details.

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

“AdrdPy” will be appended to all completed Android Pay transactions on your American Express billing statement once they are posted.

  
How do I make a return for an item I purchased with Android Pay?

You can return items purchased using your Card in Android Pay by providing the merchant with the last four digits of your virtual account number instead of your plastic Card number. To find the last four digits of your virtual account number for your Card, tap on your Card in the Android Pay app and scroll down to your Card details.

You can also go to Android Pay and select the Card you used to make the purchase and hold your device near the contactless terminal at the merchant. 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. 

  
Do I still get rewards (for example, Membership Rewards® points) when I use Android Pay?

Yes, you receive all of the same rewards, security and benefits of your eligible American Express Card when you use it with Android Pay. Please visit your Card account on americanexpress.com or in the Amex Mobile app to see your individual Card benefits. 

Please note, if you add an ineligible Card to Android Pay, you may not receive the same rewards, security or benefits (including Purchase Protection) that you may have otherwise received had you used your plastic Card directly with the merchant.

  
Can I take advantage of Amex Offers using Android Pay?

Yes. If you enroll your eligible Card in Amex Offers at merchants that accept American Express contactless payments, you can make qualifying purchases using Android Pay that will be eligible for the offers. To learn more about enrolling in eligible offers, please visit amexoffers.com

Please note, if you add an ineligible Card to Android Pay, you may not receive the offers that you may have otherwise received had you used your plastic Card directly with the merchant. 

  
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 the Android Pay Help Center.

Managing Your Card in Android Pay

  
Where can 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.  

  
I’m getting transaction notifications for my Card in Android Pay on my device. What are these notifications and how can I turn them on/off?

You will receive "Transaction Notifications" for purchases you make using your American Express Card in Android Pay. To turn off "Transaction Notifications," open the Android Pay app, tap the menu, and tap "Settings." Please keep in mind that by turning off your "Transaction Notifications" you will no longer receive notifications from Android Pay.

  
What are the Card transactions listed in Android Pay? Why is the information different from my American Express Online Statement?

The Android Pay app tries to provide you with the most relevant information about the places where you’ve used your device to make payments. From time to time, information about the merchant locations where you’ve used Android Pay (such as the business named and street address) may be displayed differently in your Android Pay app than the information on your American Express statement. To report any incorrect information, please contact Google via the Android Pay Help Center

You may also receive notifications and see transactions listed for pre-authorizations that haven’t been posted to your account yet.  For example, a hotel or gas station may pre-authorize an amount initially, then submit the final charge based on the actual amount of your purchase.  Please refer to your official American Express Card account information on americanexpress.com or in the Amex Mobile app.

  
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 eligible Card in Android Pay to make purchases before receiving your new plastic Card.

  
My device is lost or was stolen and I want to delete 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, call American Express Customer Care immediately at the number on the back of your plastic Card.

You can also go to Android Device Manager to help you find, lock and erase your device.