Google / apple pay - bank platform dependant?

[rix]

My Google fu is letting me down with this and I can't find the answer or best way of asking?!

I have an amex card. Lots of places don't accept amex. If I use it as my default on Google pay, can I use it anywhere that accepts Google pay (but not necessarily direct amex payments) or does the trader "see' the amex side of the transaction and block it?

Ta muchly!

[xtruss]

It will stil be an amex card to the card machine, and so will not accept it.

[randlemarcus]

xtruss said:

It will stil be an amex card to the card machine, and so will not accept it.

It will however, be accepted by those terminals that have always accepted it, just not trained the till person correctly .

[bad company]

I think its the same with Apple Pay.

[Ham_and_Jam]

randlemarcus said:

It will however, be accepted by those terminals that have always accepted it, just not trained the till person correctly .

I’m interested in what the till person can do to accept a payment that is refused?

As a business owner, when a card is refused there is bugger all I can usually do to change it. Customer support is non existent, so it either works or it doesn’t.

[Si1295]

Randlemarcus is saying for companies that can accept Amex but tell their staff not to

[h0b0]

Ham_and_Jam said:

randlemarcus said:

It will however, be accepted by those terminals that have always accepted it, just not trained the till person correctly .

I’m interested in what the till person can do to accept a payment that is refused?

As a business owner, when a card is refused there is bugger all I can usually do to change it. Customer support is non existent, so it either works or it doesn’t.

I suspect it is the other way around. When the person behind the till says "no" but when you tap your card it is taken. I had a vendor who was adamant he couldn't take apple pay. I asked for a try and it went through. I know this is not what the thread is about but many vendors had their machines upgraded and did not know they could take contactless payment.

Many get frustrated with their AMEX cards being rejected. The reason they get rejected is because of the high costs to the merchant. Most people know that. But, why are the costs high to the merchant? AMEX card holders pay off their bill in full and AMEX make almost no money from interest. AMEX have to earn money on the front end instead. It is a better business model than relying on your customers not paying and then charging them extortionate rates.

If rate caps are brought in, they could be lower than some cards lose through charge offs. Capital One charge off 6.35% of debt held on cards. Just to make money they have to have rates higher that 6.35 as a result.

disclaimer - I am a card holder.

[vikingaero]

I Googled it and AI came out with this:

If a retailer doesn't accept American Express cards directly, you won't be able to use Apple Pay with an Amex card at that location. Apple Pay functions as a digital version of your physical card, so the same payment network rules apply. If a merchant doesn't accept Amex, they won't accept it through Apple Pay either.
Here's why:
Payment Network Restrictions:
Apple Pay relies on the card networks (like Visa, Mastercard, and American Express) to process transactions. If a merchant hasn't contracted with a particular network, they can't use it for payment.
Merchants Choose Networks:
Merchants choose which payment networks they want to accept, and they can opt out of specific ones like American Express.
Apple Pay is a Digital Wallet:
Apple Pay acts as a digital version of your physical card, so the same rules apply regarding which cards a merchant accepts.

[i4got]

Cant you use paypal in your wallet for contactless then have amex as your default card?