Conveniently Pay Bills with American Express Serve

Paying bills can be a tedious chore Writing checks, logging into multiple accounts, keeping track of due dates – it can quickly become overwhelming But it doesn’t have to be. The American Express Serve Bill Pay service makes paying your monthly bills quick, easy, and stress-free.

What is American Express Serve?

American Express Serve is a prepaid debit account that works similarly to a traditional checking account. You can deposit funds, withdraw cash, pay bills, and spend money anywhere American Express cards are accepted.

Serve acts like a digital wallet linked to your prepaid card, It allows you to easily manage your account and pay bills right from your phone or computer

How Bill Pay Works

The American Express Serve Bill Pay service allows you to pay bills directly from your Serve account balance Here’s how it works

  • Links to Billers: Link your current biller accounts, such as those for insurance, cable, utilities, and more. Serve keeps all your billers organized in one place.

  • Review Bills – Serve retrieves your latest bills and amounts owed. Review your pending payments all in the Bill Pay dashboard.

  • Schedule Payments – Choose the date and delivery method for each payment. Payments can be sent by paper check or electronically.

  • Track Payments – Your payment activity is recorded for easy tracking. You’ll get notifications when bills are paid.

It’s that simple! With just a few clicks you can manage payments for all your regular monthly bills.

Benefits of Serve Bill Pay

Serve Bill Pay provides several advantages over traditional payment methods:


  • Pay all bills from one account instead of logging into multiple sites
  • Access Bill Pay anywhere via mobile app or web
  • Setup recurring payments for automatic convenience


  • Link all your billers in one place for easy access
  • Clearly see pending payments on calendar view
  • Get reminders when bills are due


  • Choose payment date and method for each bill
  • Easily update or cancel scheduled payments
  • No checks to write or envelopes to mail

Cashback Rewards

  • Earn 2% cashback on your first $6,000 in Bill Pay payments per year
  • Unlimited 1% cashback after first $6,000


  • Serve accounts have zero liability fraud protection
  • All payments covered by account protections

How to Sign Up for Serve Bill Pay

Ready to simplify bill pay? Signing up for American Express Serve Bill Pay is easy and only takes a few minutes.

  1. First, you’ll need an American Express Serve account. You can sign up for free online or using the mobile app.

  2. Link your Serve prepaid card to the account. Funds for bill payments will be withdrawn from your card’s balance.

  3. Login to your Serve account and access the Bill Pay dashboard.

  4. Search for and select billers you want to pay through Serve. Add all your monthly utilities, loans, insurance, subscriptions, etc.

  5. For each biller, enter your account number and any other details required to link the account.

  6. Once your billers are linked, you can start scheduling one-time or recurring payments. Select the payment date and method – electronic or check delivery.

  7. Make sure to keep sufficient funds in your Serve account to cover scheduled bill payments.

That’s it! With billers linked and payments scheduled, you can manage your monthly bills with just a few taps any time. Serve Bill Pay takes care of the rest.

Pay Bills on Your Terms

What’s great about American Express Serve Bill Pay is that you are in full control. You get to decide:

  • Which bills to pay through Serve
  • The payment date for each bill
  • Payment amount – pay full balance or custom amount
  • Delivery method – electronic or physical check

You’re not locked into payments or dates. Easily edit or cancel upcoming payments at any time. Have a large lump payment? No problem – there are no limits on the payment amount.

Serve Bill Pay puts you in charge of when and how your bills get paid. Pay on your own schedule.

Do More with Your Serve Account

Bill Pay is just one of many convenient features available with an American Express Serve account. You can also:

  • Deposit funds via direct deposit, bank transfer, or by adding cash at retail locations

  • Withdraw cash fee-free at over 30,000 MoneyPass® ATMs

  • Use your Serve prepaid card to make purchases anywhere American Express is accepted

  • Send money to other Serve account holders for free

  • Split bills and share expenses with friends using Serve

  • Get paid up to 2 days early with direct deposit

Serve acts as an all-in-one hub for managing your money. Bill Pay makes paying your monthly bills easy and efficient.

Start Simpl

American Express Serve Bill Pay

Decide which type of scheduled payment is right for you

You can customize your AutoPay amount to fit your needs. You’ll need to pay at least the Minimum Payment Due each month.

Minimum Payment Due The amount you need to pay each month to keep your account in good standing.

Total New Balance Your Statement Balance, including payments made and credits received.

Adjusted Balance Your Total Balance, including Plan It or Pay Over Time payments.

Other Amount AutoPay will debit a fixed amount of your choice each month.

If this Other Amount is less than the minimum amount that is due in any billing period, American Express will increase the debited amount to the minimum amount due for that billing period.

Avoid missed payments with AutoPay

AutoPay lets you schedule payments that will automatically debit from your bank account each month. That means AutoPay enrollment may help you avoid missing your Payment Due Date and incurring late fees*. You can easily enroll in AutoPay online. Keep in mind, only the Primary Card Member can enroll in AutoPay.

To enroll in AutoPay, simply open your Amex® App. If you dont have the Amex® App, you can easily download it in the app store. You can also enroll in AutoPay online. Log into your account with your username and password, navigate to the “Payment” section, and select “Start AutoPay.”.

*Card Members who enrolled in Autopay prior to 10/23/2020, and opted to pay a specific dollar amount, may still incur a late fee if such specified dollar amount is less than the Minimum Payment Due and the difference is not paid by the Payment Due Date.

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