Amex has quite overzealous fraud detection lately. It used to work fine for all forms of contactless payment, be it Apple, Samsung or Google Pay. I loved it and at the time only Meijer and Aldi supported it. Now it's pretty much everywhere. Sadly since 2017 every NFC transaction is flagged as 'fraud'. and I get emails asking if it's me and to approve by tapping a link. Obviously I can't do all that on a watch. Ruins the fun.
They support contactless but make it a pain to use. I can swipe the card old school and it always works and I can pay online fine. Just when I use NFC it declines for 'fraud.' Amex refuses to tell me what caused it, or what made it think it was fraud, and other times they make excuses like Meijer's system is insecure or that something was wrong at Apple. They don't speak good english since their tech support is in India and reads from a script. I've called many times over it, and got their main tech support leader online once, but in the end I have to just accept it as it's 'to protect me'. I can't disable it, and there's no way to make them exempt Meijer, Lowe's, or Aldi. I can't even use it at Shell anymore.
It's going to be a pain but I may have to switch cards. I love using contactless too much. And I can't get everything I need at Walmart or Kroger who's apps actually work.