Juggling bills each month can be a real hassle. Between checking due dates, writing checks, and getting payments in the mail on time, it’s easy to feel overwhelmed. But what if you could automate your payments and take bill pay off your plate? With American Express Autopay, you can.
Autopay allows you to setup recurring automatic payments for your American Express card each month. This ensures your bill gets paid on time without you having to remember payment dates or write checks. In this article, we’ll explain everything you need to know about enrolling in and using American Express Autopay to simplify bill payment.
What is American Express Autopay?
Autopay is an American Express feature that allows cardmembers to setup automatic monthly payments for their AmEx credit card bills.
With Autopay, you determine a set amount to be paid from your bank account each month on your payment due date. This means no more writing checks or navigating online bill pay every month.
Autopay gives you the convenience of automated payments while still being in control. You can change the payment amount or cancel Autopay at any time.
To use Autopay, you must have an eligible American Express consumer or small business credit card and a U.S. bank account.
Benefits of Paying with Autopay
Signing up for Autopay offers a number of benefits
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It saves time – Autopay eliminates the need to manually pay your bill every month. Once setup, payments happen automatically on your due date.
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Payments are always on time – Autopay ensures your payment arrives on your due date every month, so no more late fees.
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Peace of mind – Take bill pay off your to-do list knowing your bill is handled. Use Autopay alerts for extra assurance.
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Flexibility – Adjust the payment amount or date if needed. You’re in control.
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Earn rewards – Pay with points or get rewards if your AmEx card offers them.
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Strong payment history – On-time Autopay payments help build your credit history.
As you can see, Autopay makes bill payment practically effortless so you can focus on things that matter most.
How Autopay Works
Autopay is directly linked to your American Express account and bank account. Here’s a quick overview of how it works:
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Link your accounts – Connect your eligible AmEx card(s) and U.S. bank account to Autopay.
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Set payment details – Choose the amount and which AmEx card(s) to pay.
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Autopay on due date – The set amount is automatically paid from your bank account each month on your due date.
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Receive alerts – Get emails or texts when a payment is processed.
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Change or cancel – Adjust the amount or cancel Autopay at any time through your account.
Once Autopay is setup, you can essentially “set it and forget it” when it comes to paying your AmEx bill every month. But you still have control to change the amount, date, or cancel anytime.
How to Sign Up for AmEx Autopay
Ready to simplify bill payment? Here are step-by-step instructions to enroll in Autopay:
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Log into your American Express account online.
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Under “Payment Activity”, select “AutoPay”.
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Click “Enroll Now”.
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Choose the card(s) and amount(s) to pay each month.
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Enter your U.S. bank account information.
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Review and agree to the Terms & Conditions.
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Confirm your enrollment.
It only takes a few minutes to get Autopay setup. American Express will begin automatically paying your card bill around your monthly due date going forward.
Tips for Managing Autopay
Once you’ve enrolled, here are some tips for getting the most out of Autopay:
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Set the amount to pay in full or make minimum payments. You choose.
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Use your AmEx points or rewards to pay your bill.
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Update your payment date if your due date changes.
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Monitor bank statements for Autopay confirmations.
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Adjust the payment amount anytime based on your spending.
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Setup alerts to be notified when payments are processed.
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Contact American Express with any Autopay issues or questions.
Take Control of Bill Pay
As you can see, American Express Autopay makes it simple to take control of bill payment. Now you can reduce clutter from mailed bills and ensure on-time payments every month.
With just a few minutes of setup, you can automate payments and take bill pay off your plate for good. Autopay gives you peace of mind knowing your bill is handled each month.
Visit American Express today to enroll in Autopay and simplify your finances. You deserve one less thing to worry about each month.
Decide which type of scheduled payment is right for you
You can customize your AutoPay amount to fit your needs. You’ll need to pay at least the Minimum Payment Due each month.
Minimum Payment Due The amount you need to pay each month to keep your account in good standing.
Total New Balance Your Statement Balance, including payments made and credits received.
Adjusted Balance Your Total Balance, including Plan It or Pay Over Time payments.
Other Amount AutoPay will debit a fixed amount of your choice each month.
If this Other Amount is less than the minimum amount that is due in any billing period, American Express will increase the debited amount to the minimum amount due for that billing period.
Avoid missed payments with AutoPay
AutoPay lets you schedule payments that will automatically debit from your bank account each month. That means AutoPay enrollment may help you avoid missing your Payment Due Date and incurring late fees*. You can easily enroll in AutoPay online. Keep in mind, only the Primary Card Member can enroll in AutoPay.
To enroll in AutoPay, simply open your Amex® App. If you dont have the Amex® App, you can easily download it in the app store. You can also enroll in AutoPay online. Log into your account with your username and password, navigate to the “Payment” section, and select “Start AutoPay.”.
*Card Members who enrolled in Autopay prior to 10/23/2020, and opted to pay a specific dollar amount, may still incur a late fee if such specified dollar amount is less than the Minimum Payment Due and the difference is not paid by the Payment Due Date.
The Amex App: How to Make Payments
FAQ
Can you set up automatic payments with American Express?
How do I cancel auto pay on Amex?
Is Amex pay over time automatic?
Why should I pay my American Express bill automatically?
With automatic bill payment for your American Express card, you don’t have to worry about due dates and late fees. Your payment can be secure with American Express, and you can track rewards and household expenses with your Card statement. The choice is yours: make one-time payments or set up automatic bill payments.
How do I make an American Express payment?
Select “Make a Payment”. Use the bank account on file to pay – you can add a bank if you’ve not yet linked one. Choose the amount you’d like to pay, your payment date, and confirm your one-time payment – you’re all set. Browse our Amex Bill Payment Guide to Find How to Make an American Express Payment.
How do I set up autopay for my American Express credit card?
You can set up autopay for your American Express credit card either online or through the Amex mobile app. Alternatively, you can set up automatic payments over the phone at (800) 528-4800. Find “Payments” on the account home page and then select “AutoPay Settings”. Enter your bank account routing number and account number.
What payment processing options does American Express offer?
American Express gives its customers a wide variety of ways to stay on top of their monthly bills. From online and mobile payments to payment by phone, mail and even in person payments, check out these seven payment processing options for AmEx customers.
How do I set up a pre-authorized payment plan with American Express?
In addition to one-time authorized monthly online payments, you can use your mobile app or online account to set up a pre-authorized payment plan with American Express. This autopay option allows American Express to automatically withdraw your minimum payment or full statement balance from your linked bank account each month.
Does American Express accept payment by mail?
While American Express notes that you can make payments online anytime, they do accept payment by mail in the form of checks or money orders. Of course, if you choose this method, it’s important to mail your payment allowing sufficient time for arrival ahead of the due date.