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I have made 3 dining transactions, and only 1 has received the credit. All were paid with ApplePay. According to the chat agent the 2 that haven’t credited is because they used ApplePay and the terms state they don’t have to credit. I think this is extremely unreasonable – particularly as the other transaction was also ApplePay but did credit. Does anyone have experience pushing Amex to honour this? Am I better off calling? (card is in Wife’s name so would rather avoid her stressing about it!)
That’s BS, I always use Apple Pay and the credit’s always come through.
Tbh Amex customer service has really gone to the dogs, hence ridiculous responses like that. I find in those scenarios the best way is to get that person to raise an official complaint on your behalf and wait for some who knows what they are talking about to contact you. Your wife will need to do that as it’s her card
Try a call to Brighton, then if not write to their complaints team (yes they insist on a letter rather than email). I’ve always found they handle complaints quickly and to my satisfaction!
Thanks for the responses. I’m still on a back and forth on the online chat. They are stating ApplePay is a ‘Payment Facilitator’ and therefore listed in the terms. Surely if that was the case a quick Google would confirm this, but that’s not the case at all. I’m sure payment facilitator refers to things like Paypal.
Thanks for the responses. I’m still on a back and forth on the online chat. They are stating ApplePay is a ‘Payment Facilitator’ and therefore listed in the terms. Surely if that was the case a quick Google would confirm this, but that’s not the case at all. I’m sure payment facilitator refers to things like Paypal.
get off chat and call them per the advice above. I always pay with apple pay. one time it didn’t come through for me did for someone else here but got sorted in the end.
This is entirely reasonable by Amex. Apple acts as an intermediary and takes a slice of the money Amex uses to fund the credit, so they are entirely within thier right to refuse to pay it when Apple Pay or Google pay is used. It is in the T&Cs. As some people have noted, you might get lucky, but it’s better to be safe and use the card
Just jumping on this – what is 3C? Is it another payment processor which will negate the offer?
This is entirely reasonable by Amex. Apple acts as an intermediary and takes a slice of the money Amex uses to fund the credit, so they are entirely within thier right to refuse to pay it when Apple Pay or Google pay is used. It is in the T&Cs. As some people have noted, you might get lucky, but it’s better to be safe and use the card
I disagree.
The terms and conditions states:
“Eligible transactions are any meals paid for at participating restaurants using the Card to which the benefit is saved (including where the Card has been added to a mobile wallet)”
Cards added to the Apple Wallet, which subsequently used to make a payment via Apple Pay is within the scope of “mobile wallet”.
Just jumping on this – what is 3C? Is it another payment processor which will negate the offer?
It’s a merchant processor. Some Hiltons use it but it hasn’t stopped any of my hilton transactions crediting
This is entirely reasonable by Amex. Apple acts as an intermediary and takes a slice of the money Amex uses to fund the credit, so they are entirely within thier right to refuse to pay it when Apple Pay or Google pay is used. It is in the T&Cs. As some people have noted, you might get lucky, but it’s better to be safe and use the card
I disagree.
The terms and conditions states:
“Eligible transactions are any meals paid for at participating restaurants using the Card to which the benefit is saved (including where the Card has been added to a mobile wallet)”
Cards added to the Apple Wallet, which subsequently used to make a payment via Apple Pay is within the scope of “mobile wallet”.
I can see your point, but Apple Pay is a payment intermediary and subtly different to Apple Wallet. I don’t think the end user in the Apple ecosystem can see any difference, but it is much clearer in the Andriod world where Google Wallet and Google Pay are often separate apps (but are being merged in more and more counties). The “Wallet” app just transfers over the card details as if the physical card is there, while the “pay” app act as a payment intermediary and processes the payment in the background. As I believe Apple only offer the “Pay” functionality (and collect a fee for it) – not a true mobile wallet function, I think Amex are still within their rights to refuse Apple Pay
…but, to be clear, having said all that, I still think the OP should argue the toss with Amex, quote your line from the T&Cs an should get away with it!!
@John, thanks, hopefully Hyatt offer will credit then!
This is entirely reasonable by Amex. Apple acts as an intermediary and takes a slice of the money Amex uses to fund the credit, so they are entirely within thier right to refuse to pay it when Apple Pay or Google pay is used. It is in the T&Cs. As some people have noted, you might get lucky, but it’s better to be safe and use the card
I disagree.
The terms and conditions states:
“Eligible transactions are any meals paid for at participating restaurants using the Card to which the benefit is saved (including where the Card has been added to a mobile wallet)”
Cards added to the Apple Wallet, which subsequently used to make a payment via Apple Pay is within the scope of “mobile wallet”.
I can see your point, but Apple Pay is a payment intermediary and subtly different to Apple Wallet. I don’t think the end user in the Apple ecosystem can see any difference, but it is much clearer in the Andriod world where Google Wallet and Google Pay are often separate apps (but are being merged in more and more counties). The “Wallet” app just transfers over the card details as if the physical card is there, while the “pay” app act as a payment intermediary and processes the payment in the background. As I believe Apple only offer the “Pay” functionality (and collect a fee for it) – not a true mobile wallet function, I think Amex are still within their rights to refuse Apple Pay
What? When an Amex is in your Apple Wallet it is for use with/through Apple Pay. There is really nothing those terms could mean for Apple users other than Apple Pay!
What? When an Amex is in your Apple Wallet it is for use with/through Apple Pay. There is really nothing those terms could mean for Apple users other than Apple Pay!
Yes, but the terms and conditions are not uniquely for the IOS app, and don’t mention Apple Wallet or Apple PAy do they!? They say “a mobile wallet” and Apple don’t offer a true mobile wallet product, by which I mean they do not send the card details to the payment terminal, they take the details of the payment terminal and process the transaction in the background, charging their own fee (or more accurately, I think they take a slice of the existing fees, I don’t think they charge extra). Hence why Amex will be happier if you use the card directly and would be keen to discourage Apple Pay. Google and Samsung offer true mobile wallet products, where they pass the card details to the terminal, but Google is slowly, country by country, going the Apple route of Google Pay, where they act as a payment intermediary and take some of the fee.
TLDR – use the actual card if you want lessen the risk!
Yes, but the terms and conditions are not uniquely for the IOS app, and don’t mention Apple Wallet or Apple PAy do they!? !
When they refer to mobile wallet, it usually refers to 3rd party wallets like grab pay available in certain markets.
Apple Pay is not a payment processor and is eligible for statement credits.Yes, but the terms and conditions are not uniquely for the IOS app, and don’t mention Apple Wallet or Apple PAy do they!? !
When they refer to mobile wallet, it usually refers to 3rd party wallets like grab pay available in certain markets.
Apple Pay is not a payment processor and is eligible for statement credits.Given the number of reports of people encountering problems when using Apple Pay, as many have suggested and experienced, it really does seem easier to avoid the hassle / argument and use the actual card.
OP, can you clarify if the payment was made in person through tap in via AppleWallet or online via ApplePay payment processor?
I think as others have said, although the two things are called the same thing, they are actually different:
I believe Apple launched the Wallet on iPhone first as a way to encrypt card details for contactless payment terminal, and it was marketed at launch as “ApplePay”. Later on they developed the concept further so that when shopping online, you could access the stored cards in your wallet to make payment via their payment processing solution, which is comparable and a competitor of PayPal. There is an argument that they could have differentiated the two better but I guess from their point of view it was an extension of the AppleWallet capability.
OP, can you clarify if the payment was made in person through tap in via AppleWallet or online via ApplePay payment processor?
I think as others have said, although the two things are called the same thing, they are actually different:
I believe Apple launched the Wallet on iPhone first as a way to encrypt card details for contactless payment terminal, and it was marketed at launch as “ApplePay”. Later on they developed the concept further so that when shopping online, you could access the stored cards in your wallet to make payment via their payment processing solution, which is comparable and a competitor of PayPal. There is an argument that they could have differentiated the two better but I guess from their point of view it was an extension of the AppleWallet capability.
Through ApplePay in the restaurant in person.
Wrong thread!
Yes, but the terms and conditions are not uniquely for the IOS app, and don’t mention Apple Wallet or Apple PAy do they!? !
When they refer to mobile wallet, it usually refers to 3rd party wallets like grab pay available in certain markets.
Apple Pay is not a payment processor and is eligible for statement credits.When you say payment processor, are you specifically talking about the payment processor layer of the transaction, as opposed to the card network, card issuer, merchant bank, merchant acquirer, aggregator, ISO/MSP etc etc? Payments are a complex multi party beast. ApplePay is not a payment processor per se, but they are trying to insert themselves into the transaction as an (unnecessary) intermediary, like PayPal do, and they take a cut of the fee which Amex wants to maximize for itself, so I can totally see why they would discourage and such transactions might not be eligible for statement credit. It’s this complexity and differences, especially at the acquirer level, that affects the metadata that Amex sees, which is why statement credits when using ApplePay works sometimes.
In short, you might get away with it, you might get lucky if you call Brighton, but as @JDB said, the safest thing is to use the actual card (and even that is not fool proof, as I’ve found myself)
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