Mobile HCE from American Express

Leverage Mobile HCE to enable Card Members to tap and pay for a quick, convenient, and touch-free payment experience


AMEX Digital Solutions offers Issuers an option to deploy Mobile NFC independent of Mobile Network Operator.


Issuers can integrate HCE payment app into their existing bank app or utilize HCE to create a standalone payment wallet. HCE based payments use cloud servers to store payment credentials and transmit cardholder data to a mobile device. 


The payment credentials are stored securely on the device, ready to make a transaction at the point-of-sale terminal in a fast and secure manner.


Mobile HCE can:

  • Reduce the complexity of NFC deployment as Mobile Network Operators (MNO) and Trusted Security Managers (TSM) are not required.
  • Be added to all NFC enabled devices with Android 4.4 operating system (or above).
  • Provide Issuers with control and flexibility over the payment chain.

How It Works

Step 1:

Card Member downloads the wallet app, authenticates themselves and the device and adds the American Express Card to the wallet.


Step 2:

Card Member opens the wallet app with the authentication (device PIN, password, biometrics such as fingerprint, for example) and selects the American Express Card to pay. 


Step 3:

Card Member places their device at the point of sale terminal and the wallet generates the transaction data for authorization.

Next Steps

Learn more about American Express Mobile HCE.

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