With the increase in digital payments in India, American Express has announced the launch of Amex Pay, its mobile payment service in the country. This service allows the American Express card users make payments based on QR codes and contactless payments via the Amex mobile app. Notably, a few cards are not eligible to be used with Amex Pay and the contactless cards are not a mandate to use this feature.
The Amex Pay feature is available on Android devices with NFC and running Android 4.4 KitKat or higher. Also, iOS devices running iOS 11.2.6 can be used for the Amex Pay. For now, the contactless payments are not supported on iOS. Moreover, the device should be able to read QR codes using the camera app to carry out the QR-code based payments.
In order to register for Amex Pay, you need to log in to your American Express account on either the Android or iOS app of the Amex Mobile app. Then, choose Register with Amex Pay, grant the required permissions and enter the OTP you received in order to complete the verification process. In order to make the QR-based payments, you need to click on Pay with Bharat QR, scan the code, and enter the amount. Now, you need to confirm the same and enter the card's PIN to complete the process.
To make NFC-based contactless payments, you need to make sure your smartphone supports NFC and the same is set up already. Now, you need to set Amex Pay as a default tap and pay service. Hold your smartphone close to the payment terminal to do the transaction.
As per the FAQ section of American Express' Amex Pay, "You can use Amex Pay to make contactless purchases with your eligible Android device wherever American Express contactless payments are accepted. Just look for the contactless symbol at check-out. You can make a payment using the QR functionality wherever you see the American Express logo on a Bharat QR sticker."
Notably, Samsung Pay was introduced in India with support for the Americal Express credit cards and charge cards those are eligible for the payment.