Using Amex via 3rd party (Apple Pay/Paypal etc.)

edited 30 November -1 at 1:00AM in Credit Cards
5 replies 954 views
lw373lw373 Forumite
17 Posts
edited 30 November -1 at 1:00AM in Credit Cards
Hi all,

So I'm currently in the process of shifting as many of my payments over to my Amex cashback card as possible, I've come across a few that unfortunately don't accept Amex but I'm wondering if the following potential workarounds are possible:

1) Using PayPal with my primary card set to my Amex card instead of directly paying via my Amex card (Adobe is an example that doesn't accept Amex but does accept PayPal)

2) Using Apple Pay for contactless payments at vendors that don't accept Amex but do allow Apple Pay.

I haven't tested either of these yet, I was wondering if anyone knows if either or both of the above would work?



  • VortigernVortigern Forumite
    3K Posts
    Tenth Anniversary 1,000 Posts Photogenic Name Dropper
    PayPal works with Amex.
  • MisterBaxterMisterBaxter Forumite
    666 Posts
    lw373 wrote: »
    Hi all,

    2) Using Apple Pay for contactless payments at vendors that don't accept Amex but do allow Apple Pay.


    I'm pretty sure that this doesn't work, it certainly doesn't with Android Pay. If the underlying card isn't accepted by a vendor then it won't work with Android Pay and from what I've heard it's the same with Apple Pay. This was where Curve had an advantage until Amex pulled support.
  • MarchitielloMarchitiello Forumite
    364 Posts
    Fourth Anniversary 100 Posts Combo Breaker
    The PayPal scenario will work and indeed is something I do since 2006.

    Apple Pay is different as it is not a different paying method as PayPal, just let’s say an “interface” to enable contactless payment/authentication (hence the limit is above £30), but the merchant actually see which card in the Apple Wallet you are using, so if you are using Amex, they will see it. Transaction made through PayPal shows in your statement as such, with the reference always containing PayPal, whilst transaction made with Apple Pay, you can simply see the name of the merchant.
  • Also there are vendors who don't accept PayPal payment with underlying amex card. It is rare but happens. Then you need to finish transaction with either visa or MasterCard added to your PayPal account.
  • lw373lw373 Forumite
    17 Posts
    Thanks for your help all
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