About
Pay with Bank transfer is American Express's UK open-banking checkout option, provided by American Express Payment Services Limited as an authorised payment initiation service provider. The shopper chooses it at checkout, picks their bank, is redirected to that bank's app or online banking to authenticate, and approves a pre-filled payment that moves directly from their current account to the merchant's bank account. No Amex card is needed: it works for anyone with an account at a supported UK bank, which includes all the major UK banks. Announced in September 2019 with launch merchants such as JustGiving and Hays Travel, it runs outside Amex's card network.
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