Why is additional recipient information required for my American Express (Amex) payments?
To help protect your payments and reduce fraud, Amex requires additional recipient information for certain transactions. These additional data requirements are designed to enhance transparency and security throughout the payment process.
What information is required?
For most payments, when setting up your payment, you’ll be asked to provide recipient details such as:
Email address
Phone number
Physical address
Why can’t I underpay or overpay my American Express (Amex) payments?
To comply with Amex’s requirements, payment made with an Amex Card has to be for the full outstanding amount on the invoice/supporting document uploaded.
Your payment will be rejected should there be a mismatch between
the payment amount entered and
the uploaded supporting document.
Important note: CardUp shall not be held liable for any delays in payment processing or fees due to mismatched amounts, incorrect or insufficient documentation submitted.
Why is the above important for your security?
Payment verification: Amex uses recipient and payment information to verify the identity and legitimacy of the businesses involved in the transaction. This helps ensure you’re sending funds to verified and trustworthy recipients.
Fraud prevention: Detailed recipient and payment information allows Amex to better detect high-risk transactions, reducing the chances of fraud.
How do I update my Recipient details?
Log in to your CardUp account: https://app.cardup.co/
Go to Pay > Recipients.
Locate the recipient you are currently paying via AMEX card.
On the right-hand side, click the 3-dot menu and select “View/Edit”.
Update the recipient’s information according to your supporting documents.
Upload the relevant supporting documents for our Compliance team to review.
Note: Ensure your uploaded documents are accurate and clearly match the changes you are making to avoid delays in processing.
Additional FAQ's
What documents should I attach for rent payments?
There is no change to the current process:
You simply set up your rent payment as usual for your tenancy (i.e. one-time upload of your tenancy agreement for recurring set-up)
If there is a change in your rental agreement (e.g. payment amount, lease location, recipient's details etc.), the new payment created must be supported by the updated tenancy agreement.
What should I do if I’m unsure of my landlord's current address?
You may enter your current tenancy address as reflected on your tenancy agreement