ExpressPay

From Wikipedia, the free encyclopedia

Newer American Express credit cards come with a feature known as ExpressPay. Similar to Mastercard's PayPass and JPMorgan Chase's Blink, ExpressPay is a method of contactless payment, different from the standard magnetic stripe that has become ubiquitous on credit and debit cards. ExpressPay is based on a family of technologies known as RFID, ISO 14443 with extensions specifically.

Embedded in the plastic of the card is a small microcontroller, along with a metal antenna. The microcontroller implements the authentication used by the card, which is a type of challenge-response system. The RFID chip is commonly embedded in various types of American Express Blue and Clear cards.

ExpressPay is also available in a key fob for holders of American Express cards or other major credit cards or debit cards.

So far, a few retailers have rolled out RFID readers that accept ExpressPay. They include Meijer, CVS/Pharmacy, Chevron Corporation, and some McDonalds locations.

American Express
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