Last Modified: November 2025

 

The following terms and conditions (these “Terms of Use”) govern your use of an eligible American Express® Card or a virtual account number associated with an eligible American Express account (each a “Card”) on the Google Pay Properties and/or using Push Provisioning (both defined below) on devices that are supported by Google. These Terms of Use are a legal agreement between you and American Express Travel Related Services Company, Inc. (“we,” “us,” or “Amex”). 

 

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE ADDING OR USING YOUR CARD IN THE GOOGLE PAY PROPERTIES OR USING PUSH PROVISIONING, BECAUSE BY DOING SO, YOU ACCEPT AND AGREE TO BE BOUND AND ABIDE BY THESE TERMS OF USE. 

 

In addition to these Terms of Use, you will continue to be subject to the applicable Card Member Agreements, Rewards Checking Account Terms & Conditions (“Rewards Checking Account Terms”), Business Checking Account Agreements (including any addenda) (“BCA Agreements”) or other terms that govern your Card.

 

1. OVERVIEW OF THE GOOGLE PAY PROPERTIES, PUSH PROVISIONING AND THESE TERMS OF USE

 

The Google Pay Properties allow you to make: (i) contactless payments at contactless-enabled point-of-sale terminals or readers that accept contactless payments in the United States, its commonwealths, possessions and territories; (ii) purchases in-app or on websites of merchants participating in Google Pay (collectively with (i), the “Google Wallet”); and (iii) online purchases using an alternate Card number where available in the Google Chrome browser and in select Android apps (“Amex Virtual Card Number”, and collectively with (i) and (ii), the “Google Pay Properties”). You also have the option to save your Card to the Google Pay Properties while you are on an American Express online property (web or app) or a third-party online platform authorized by American Express (collectively, “Push Provisioning”).  

 

Please carefully review the terms that govern using each of the Google Wallet, Amex Virtual Card Number and Push Provisioning that are provided below, in Sections 2(a), 2(b) and 2(c), respectively, and the terms further below in Sections 3 – 13, that apply to using the Google Pay Properties generally.

 

Google may have other functionality that they also brand as “Google Pay” but these Terms of Use do not apply to the use of any American Express Card, including any eligible Card, as a payment method for such other Google functionality that falls outside the scope of these Terms of Use even if they are also branded as “Google Pay” by Google (collectively, “Other Google Pay Properties”).

 

2. USE OF YOUR CARDS

a) If You Use the Google Wallet

 

By transacting on the Google Wallet, you are authorizing the payment for the applicable transaction with your Card in the Google Wallet. When you add your Card in the Google Wallet, Google may add that same Card on file to be an eligible payment method for use on Other Google Pay Properties. If you do not want Google to store your Card on file for use in Other Google Pay Properties, then you should go to the settings in your Google account and remove your Card.

 

By transacting on the Google Wallet, we share certain information with Google in order for Google to: (i) display your Google Wallet transactions and your recent transactions outside the Google Wallet using the Card that you enrolled into the Google Wallet, (ii) provide you with merchant-specific receipts and offers; and (iii) provide searchable summaries, analysis and trends within Google Wallet. Merchants also may separately provide Google with certain transaction data relating to purchases using your Card. If you do not want:

  1. Amex to share with Google your recent Card transaction data using the Google Wallet, you may delete your Card from the Google Wallet. 
  2. Amex to share with Google your recent Card transaction data outside of the Google Wallet, you may opt out by going to the settings menu in the Google Wallet and turning off such sharing.

 

Google provides you with the option to turn transaction notifications on and off within the Google Wallet settings or your general device settings.

 

You may receive push notifications from the Google Wallet from time to time reflecting your Card account activity. If you do not wish to receive notifications, you may turn off these notifications within the Google Wallet app or your device notification settings.

 

b) If You Enroll in Amex Virtual Card Number

 

Enrolling in Amex Virtual Card Number 

 

Amex Virtual Card Number enables you to replace your Card number with an alternate number for use in the Google Chrome browser and in select Android apps. By enrolling in Amex Virtual Card Number, you acknowledge that Google will keep your Card number on file in your Google account.  

 

When you enroll into Amex Virtual Card Number, you are not enrolling in the Google Wallet for contactless payments.

 

If you receive a replacement Card with a new Card number, you will need to separately enroll that replacement Card if you wish to continue using Amex Virtual Card Number.

 

Using Your Amex Virtual Card Number

 

To use your Amex Virtual Card Number, you must be logged into your Google account. Additionally, Amex may need to take steps to verify your identity from time to time. For security reasons, we recommend logging out of your Google account at the end of each Google Chrome browsing session, especially if you use a public or shared device. You should not share your Google account credentials with anyone or allow others to use your Google account while you are logged in.

 

The same rewards and benefits of your eligible Card are also available when you use your Amex Virtual Card Number. At this time, you cannot use your Amex Virtual Card Number with Membership Rewards® Pay with Points at Checkout. If you wish to use Membership Rewards® Pay with Points at Checkout, you can use your eligible American Express Card.

 

Please note that Amex Virtual Card Numbers are not eligible to receive payments from your financial institutions towards paying the balance off your American Express Card account.

 

Data Usage when You Enroll in Amex Virtual Card Number

 

In order to enroll in, and each time you transact with, Amex Virtual Card Number, Amex and Google will exchange information with each other in real time relating your Card.

 

We provide Google with your alternative card number, and may provide Google with transaction data and other relevant information related to your Amex Virtual Card Number for Google to: (i) display your Amex Virtual Card Number transactions and your recent transactions using the Card that you enrolled into Amex Virtual Card Number, (ii) provide you with merchant-specific receipts and offers, and (iii) provide you with searchable summaries, analysis and trends. Merchants also may separately provide Google with certain transaction data relating to purchases made with a Card using your Virtual Card Number.

 

If you do not want Amex to share your transaction data with Google, you must unenroll from Amex Virtual Card Number.

 

c) If You Use Push Provisioning

 

Push Provisioning allows you to add your Card to the Google Pay Properties while you are on an American Express online property (web or app) or a third-party online platform authorized by American Express. To use Push Provisioning, you must be logged into your American Express account or logged into your account on a third-party online platform authorized by American Express where you are presented with the option to save your Card to the Google Pay Properties. By using Push Provisioning, you authorize and direct American Express to provide your Card data, including your account number, to Google for storage on file as a payment option on the Google Pay Properties and Other Google Pay Properties. You are also subject to Google’s terms and conditions when saving your Card to the Google Pay Properties, and please see Section 5 (Third Party Agreements) of this Agreement for more information.

 

3. ELIGIBILITY

 

For a list of Cards eligible to be used in the Google Pay Properties, visit our Google Wallet FAQs and Amex Virtual Card Number FAQs.

 

You must have the power, authority and capacity to accept these Terms of Use before you can add or use your Card in the Google Pay Properties or use Push Provisioning. If you are a minor under the laws of the jurisdiction in which you accept these Terms of Use (under 18 in most States), you must have first obtained the consent of the Basic Card Member and, by adding or using a Card in the Google Pay Properties or using Push Provisioning, you acknowledge and agree that you have received that consent.

 

4. CHARGES

 

We do not currently charge a fee for the use of your Card in the Google Pay Properties or for use of Push Provisioning. However, Google or another third party supporting the Google Pay Properties or Push Provisioning may contemplate fees, limitations and restrictions which might affect your use of a Card (such as data usage or text messaging charges imposed on you by your wireless carrier). You agree to be solely responsible for all such fees and agree to comply with such limitations and restrictions.

 

5. PRIVACY AND SECURITY

 

Privacy and Data Usage

 

When using the Google Pay Properties or use Push Provisioning, we collect certain information from Google to verify your identity to enable you to use your Card and facilitate your participation in the Google Pay Properties or Push Provisioning. By using the products, you authorize Amex to collect, use and share your information in accordance with the applicable Amex Consumer Privacy Notice and U.S. Online Privacy Statement, as they may be amended from time to time, and which are available at americanexpress.com/privacycenter.

 

Google may collect and use data in accordance with Google’s applicable privacy and security policies and practices.

 

Security

 

You are responsible for maintaining the confidentiality of your Google user ID, applicable passwords, and other means you may use to access the Google Pay Properties and your device. If you share these credentials with anyone, they may be able to use your Cards and obtain access to your personal and payment information.

 

Any person with your device passcode or who has a fingerprint or other device unlocking biometrics registered to your device may be able to authorize transactions using your Card.

 

Pursuant to your American Express Card Member Agreement or other terms that govern your Card, as applicable, you are responsible for all transactions made using your Card in Google Pay Properties.

 

Please note that push notifications can be displayed on a locked or inactive device screen and within the notification tray at the top of the home screen of some devices. Since it is possible to view this information even when your device is locked, we strongly encourage you to maintain physical control over your device and/or turn off push notifications if you are uncomfortable with this possibility.

 

Call us immediately at the telephone number printed on the back of your Card if you believe your device or your credentials have been lost or stolen or someone has used or may use your device or your credentials without your authorization. For virtual account numbers associated with an eligible American Express® Business Card or Corporate account, contact us at 1-844-751-0188.

 

6. THIRD PARTY AGREEMENTS

 

Google, your wireless carrier, and other third-party websites or services that support the Google Pay Properties and/or Push Provisioning have their own terms and conditions and privacy policies (“Third Party Agreements”) and you are subject to those Third-Party Agreements when you give them your personal information, use their services or visit their respective sites. Amex is not responsible for the security, accuracy, legality, appropriateness or any other aspect of the content or function of Google’s or any third party’s products or services.

 

7. SUSPENSION; CANCELLATION

 

We reserve the right for any reason to discontinue our participation in the Google Pay Properties and/or Push Provisioning. Except as otherwise required by applicable law, we may block, restrict, suspend or terminate your use of any Card in the Google Pay Properties and/or Push Provisioning at any time without notice and for any reason, including if you violate these Terms of Use or any of your Card Member Agreements, Rewards Checking Account Terms, BCA Agreements or other terms that govern your Card, as applicable, if we suspect fraudulent activity, or as a result of the cancellation or suspension of your Card account. You agree that we will not be liable to you or any third party for any block, suspension, cancellation or termination of your use of any Card.

 

8. DISCLAIMER OF WARRANTIES

 

THE GOOGLE PAY PROPERTIES ARE PROVIDED BY GOOGLE AND OTHER THIRD PARTIES THAT SUPPORT THEM.  YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT THE USE OF ANY CARD IN GOOGLE PAY PROPERTIES OR PUSH PROVISIONING IS AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND, EITHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. WE, ON BEHALF OF OURSELVES AND OUR AUTHORIZED REPRESENTATIVES, DO NOT WARRANT AGAINST INTERFERENCE, DELAY, INTERRUPTION OR DISRUPTION WITH YOUR USE OF ANY CARD IN CONNECTION WITH GOOGLE PAY PROPERTIES OR PUSH PROVISIONING. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY AMEX, ANY OF ITS AUTHORIZED REPRESENTATIVES OR ANY THIRD PARTY WILL CREATE ANY WARRANTY.

 

THE ACCESS, USE AND MAINTENANCE OF A CARD WITHIN GOOGLE PAY PROPERTIES OR PUSH PROVISIONING DEPENDS ON THE GOOGLE PAY SERVICES AND THE NETWORKS OF WIRELESS CARRIERS AND NOT AMEX. WE WILL NOT BE LIABLE TO YOU FOR ANY CIRCUMSTANCES THAT INTERRUPT, PREVENT OR OTHERWISE AFFECT THE FUNCTIONING OF ANY CARD, SUCH AS UNAVAILABILITY OF THE GOOGLE PAY PROPERTIES OR PUSH PROVISIONING OR YOUR WIRELESS SERVICE, COMMUNICATIONS, NETWORK DELAYS, LIMITATIONS ON WIRELESS COVERAGE, SYSTEM OUTAGES, OR INTERRUPTION OF A WIRELESS CONNECTION. AMEX DISCLAIMS ANY RESPONSIBILITY FOR THE GOOGLE PAY PROPERTIES OR PUSH PROVISIONING  OR ANY WIRELESS SERVICE USED TO ACCESS, USE OR MAINTAIN A CARD WITHIN THE GOOGLE PAY PROPERTIES OR PUSH PROVISIONING .

 

This Section 8 will survive any termination of these Terms of Use.

 

9. LIMITATION OF LIABILITY

 

EXCEPT AS OTHERWISE PROVIDED BY LAW, IN NO EVENT WILL AMEX, ITS DIRECT OR INDIRECT SUBSIDIARIES, AFFILIATES, AGENTS, EMPLOYEES OR REPRESENTATIVES BE LIABLE FOR DEATH, PERSONAL INJURY, PROPERTY DAMAGE, OR ANY INCIDENTAL, SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF OR DAMAGE TO DATA, BUSINESS INTERRUPTION OR ANY OTHER COMMERCIAL OR FINANCIAL DAMAGES, LOST REVENUES, OR OTHER LOSSES OF ANY KIND, ARISING OUT OF THESE TERMS OF USE OR IN ANY WAY RELATED TO YOUR USE OR INABILITY TO USE ANY CARD IN GOOGLE PAY PROPERTIES  AND PUSH PROVISIONING, HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT OR OTHERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATIONS WILL APPLY EVEN IF THE ABOVE STATED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

 

NOTHING IN THESE TERMS OF USE WILL OPERATE SO AS TO EXCLUDE OR LIMIT OUR OR OUR SUPPLIERS' LIABILITY FOR ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED BY APPLICABLE LAW. Federal law and the laws of certain States or other jurisdictions may not allow the exclusion or limitation of certain damages. If these laws apply, some or all of the above exclusions or limitations may not apply to you, and you may have rights in addition to those contained in these Terms of Use.

 

This Section 9 will survive any termination of these Terms of Use.

 

10. LICENSE TO USE DIGITAL VERSION OF YOUR CARD IN GOOGLE PAY PROPERTIES

 

A DIGITAL VERSION OF YOUR CARD IS LICENSED, NOT SOLD, TO YOU FOR USE ONLY UNDER THE TERMS AND CONDITIONS OF THESE TERMS OF USE. AMEX RESERVES ALL RIGHTS NOT EXPRESSLY GRANTED TO YOU.

 

You are granted a non-exclusive, non-sublicensable, non-transferable, personal, limited license to add and use your Card on your device solely in accordance with these Terms of Use.

 

You agree that the digital version of your Card in the Google Pay Properties may be automatically updated or upgraded without notice to you. At any time, at our sole discretion and without prior notice, we may expand, reduce or suspend the type and/or dollar amounts of transactions allowed using a Card in the Google Pay Properties or change the enrollment process for the Google Pay Properties or Push Provisioning.

 

11. GOVERNING LAW AND DISPUTES

 

These Terms of Use, and your use of any Card in Google Pay Properties and Push Provisioning, are governed by the laws of the State that apply to your applicable Card Member Agreement, Rewards Checking Account Terms, BCA Agreements, or other terms that govern your Card, and applicable federal law.

 

The claims resolution provision of the applicable Card Member Agreement, Rewards Checking Account Terms, BCA Agreements, or other terms that govern your Card, will govern any claim, dispute or controversy arising out of or relating to these Terms of Use or your use of any Card in Google Pay Properties or Push Provisioning (each, a “Dispute”).

 

Subject to such dispute resolution provisions, you expressly agree that exclusive jurisdiction for any Dispute with us resides in the courts of New York, New York and you further agree and expressly consent to the exercise of personal jurisdiction in such courts in connection with any such Dispute.

 

The terms of this Section 11 will survive termination of these Terms of Use, together with any other terms in these Terms of Use which by their nature the parties contemplate should survive. 

 

12. CHANGES TO THESE TERMS OF USE

 

We reserve the right to revise these Terms of Use at any time and you are deemed to be aware of and bound by any changes to these Terms of Use by your continued access to or use of any Card in the Google Pay Properties or Push Provisioning.

 

13. COMMUNICATION

 

As a condition to activating and using your Cards in the Google Pay Properties or using Push Provisioning, you consent to receive certain messages on your device (i.e., SMS, MMS) from us. You also agree to receive notices and other communications from us by e-mail to the e-mail address on file for the relevant Card account, posting within your online account, or through the messaging capabilities of the Google Pay Properties. We may also send you push notifications from the Amex App from time to time. If you do not wish to receive such notifications, you may turn them off within your device notification settings.

TERMS AND CONDITIONS OF USING AMERICAN EXPRESS® CARDS IN GOOGLE PAY PROPERTIES