Amex on Apple Pay / Wallet not working in Belgium

Amex Benelux does not support Apple Pay. I previously had an Amex Netherlands card, and Apple Pay worked perfectly. After emigrating to Belgium and getting a new Amex Benelux card, Apple Pay is no longer supported.

Sounds like you got an inexperienced support person. My first advice would be to call back and hope you get some familiar with the approval process and the issue in general.

Apple is not a bank. Apple does not actively participate in the approval process. When you enter card details on your iPhone, the information, along with personal information on your device, are encrypted and sent to the Payment Network Operator (Visa, MasterCard and American Express). The PNO decrypts the data, reviews it and if they validate the information, pass it to the bank for final approval. If the bank approves the account it creates an encrypted token. The token is then sent to Apple servers and installed in your Apple Wallet app. If the token is not received in the allotted time, you receive an error message that the card can’t be added and contact the issuer. Again, Apple does not approve or decline adding cards to Apple Wallet.

American Express is both the account issuer and Payment Network Operator. Their support team is usually aware of what’s going on and works with their clients to resolve any outstanding questions or concerns and then issues a token.

You can review how similar issues have been successfully resolved by other community members in the past.

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I’m happy to answer any questions or concerns you may have.

Apple Pay security and privacy overview - Apple Support

When I spoke with American Express, they explained there are multiple banks/financial institutions that issue American Express cards in Belgium and Luxembourg. Depending on the bank that issued the card(s) determines whether you can provision them on Apple Pay.

AmEx Netherlands issued cards can be provisioned on Apple Pay. Amex cards issued in both Belgium and Luxembourg may be able to be provisioned on Apple Pay. It depends on which bank issued the card(s). American Express customer support is the best source of support for issues provisioning American Express cards on Apple Pay.

Hi, what did American Express support say when you contacted them?