Paypal Key Will Stop Allowing American Express Cards As Funding Option (Beginning January 4)

A lot of us enjoy Paypal Key as a means of using their preferred credit card at any vendor, you can read our full review on Paypal Key in this post. Unfortunately, Paypal just sent out an email with an upcoming change that will no longer allow the use of American Express cards as a funding method for Paypal Key. The change will take effect on January 4, 2021.

Thank you for being a PayPal Key customer. We’ve been piloting this feature with select customers in the U.S. After January 4, 2021, American Express cards can no longer be used with PayPal Key. The good news is you can change your PayPal Key payment method to your bank account, debit card, or a different credit card.

You can still use Visa or Mastercard credit cards, but this obviously is a major limiting factor in the usefulness of Paypal Key.

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Taco Whisky
Taco Whisky (@guest_1212027)
June 25, 2021 14:41

Does anyone know any alternative to PayPal Key for this purpose? I need a way to turn my AmEx card into a Visa or Mastercard and I’m stuck  Chuck

Brian C 🐕
Brian C 🐕 (@guest_1302627)
December 20, 2021 09:24

Did you ever figure out a solution to this?

XP1
XP1 (@guest_1121769)
January 4, 2021 15:38

All my PPK transactions on Amex BBC are getting declined today.

tina
tina (@guest_1119451)
December 31, 2020 11:49

Can anyone still link Amex cards to PPK?
I tried wanting to use before Jan 4th. But I couldn’t link a new Amex card to PPK today.

It already does not allow to link Amex cards anymore???

Leland
Leland (@guest_1117112)
December 25, 2020 15:14

Can you still add Amex gift cards to PPK until the cutoff date? Was hoping to pay the electric bill.

Bob
Bob (@guest_1114050)
December 19, 2020 22:53

It’s a little ambiguous from their letter, but do you know if this a ban on Amex issued cards, or Amex network cards? That would give a ton of insight as to who got mad.

If it’s only a ban on Amex issued cards (i.e BCP, BBP, Gold, etc) then it suggest Amex was unhappy about rewards abuse and plastiq.

If it’s a ban on Amex network cards (i.e also third party like WF Propel, Schwab etc) then it suggest paypal was unhappy with the fees from debit to credit conversion on Amex network cards.

Aaron
Aaron (@guest_1113676)
December 18, 2020 19:37

Is paying a single $$$$ tax bill with AmEx / Paypal key before January safe? Don’t want to annoy AmEx – just interested in the lower debit card transaction fee for a single q4 estimated tax payment.

Chicagoan33
Chicagoan33 (@guest_1113423)
December 18, 2020 13:49

Any DP’s on recent success using PPK with Amex to pay taxes? Pay1040 will not see it as debit, the other 2 processors do see as debit. $5k, $2999, $2500 all declined for me.

Fallenone
Fallenone (@guest_1113788)
December 18, 2020 23:55

I just tried today. Pay1040 still sees mine as debit but 3000 won’t pass (I passes a 3000 a month ago). Tried payusatax and it didn’t pass either.

Tyler
Tyler (@guest_1113933)
December 19, 2020 14:05

Tied to a non-Amex card, I just had Pay1040 come up as credit on two different Paypal Keys, and Official Payments got declined at two different dollar amounts :-/

Bitter irony if this is dead — been procrastinating doing this for 6 weeks, and I try within 24 hours of it dying?

luvsdeals
luvsdeals (@guest_1113151)
December 18, 2020 01:00

I tried adding my PayPal Key MasterCard to the new Google pay app and it says it wouldn’t work or supported by my bank. Any thoughts or input since I’ve read that some people have been successful in adding PayPal key to Google pay. I guess using American Express is out of the question from now on.

Kafka
Kafka (@guest_1113199)
December 18, 2020 04:11

PPK has never worked with Google Pay in store/NFC. You can add it to your Google Pay options for online transactions, but that’s it.

Raymond
Raymond (@guest_1112915)
December 17, 2020 18:36

Doc can you ban any Amex IP reading this blog? AMEX is such a PITA

Geng
Geng (@guest_1113107)
December 17, 2020 23:51

prob aren’t worth it. U think the amex employees wouldn’t read this from their homes?

Psjc1eamawcjwfbdf
Psjc1eamawcjwfbdf (@guest_1113168)
December 18, 2020 01:58

Work-life balance; I’m not being paid to do the work if I read this at home 🙂

randomguy
randomguy (@guest_1113401)
December 18, 2020 13:23

You are hoping that they don’t know about VPN, or mobile.

Aswin Prasad
Aswin Prasad (@guest_1112868)
December 17, 2020 17:57

Have to pay off my rent this month to finish off with a bang.

Chicagoan33
Chicagoan33 (@guest_1112875)
December 17, 2020 18:02

Thanks for the great idea, I will too! Just discovered PPK, need to meet MSR

Aswin Prasad
Aswin Prasad (@guest_1113063)
December 17, 2020 22:21

Yeah. It is a legit way to pay rent and get a bonus also. Finished my Amex gold bonus with just a 20$ fee from my renter.