Accepting American Express Payments

American Express (Amex) is a popular card used by customers around the world. Customers using Amex tend to make larger purchases, with many Amex cards used for business and corporate purchases. While some small businesses refuse to accept Amex because of higher costs, accepting this card allows you to capture the customers who prefer Amex.

Merchants who already have an account directly with American Express can provide their Amex Merchant ID upon signup. Your American Express Merchant ID will remain the same, and Electronic Merchant Systems will simply take over the role of authorizing your American Express payments. A small charge may apply for the Transaction according to your Merchant Agreement.

 

American Express OptBlue®

Merchants processing less than $1,000,000 per year in American Express transactions may be eligible for the American Express OptBlue program. Under this program, you’ll be able to accept American Express through the same process as your other cards with the simplicity of one deposit, one merchant statement, and one customer service contact. Electronic Merchant Systems will be your one contractual, pricing, servicing and processing relationship for all card brands.

 

American Express OptBlue Interchange Rates

IndustryTransaction SizeRate
AMEX RETAIL< $751.60 % + 10¢
AMEX RETAIL< $1,0001.95 % + 10¢
AMEX RETAIL> $1,0002.40 % + 10¢
AMEX SERVICES/PROF SERVICES< $4001.60 % + 10¢
AMEX SERVICES/PROF SERVICES< $3,0001.95 % + 10¢
AMEX SERVICES/PROF SERVICES> $3,0002.40 % + 10¢
AMEX RESTAURANT< $51.90 % + 4¢
AMEX RESTAURANT< $251.85 % + 10¢
AMEX RESTAURANT< $1502.45 % + 10¢
AMEX RESTAURANT> $1502.75 % + 10¢
AMEX CATERERS/DRINKING PLCS< $51.90 % + 4¢
AMEX CATERERS/DRINKING PLCS< $251.85 % + 10¢
AMEX CATERERS/DRINKING PLCS< $1502.45 % + 10¢
AMEX CATERERS/DRINKING PLCS> $1502.75 % + 10¢
AMEX MAIL ORDER & INTERN< $1501.70 % + 10¢
AMEX MAIL ORDER & INTERN< $3,0002.05 % + 10¢
AMEX MAIL ORDER & INTERN> $3,0002.50 % + 10¢
AMEX HEALTHCARE< $1501.55 % + 10¢
AMEX HEALTHCARE< $2,0001.85 % + 10¢
AMEX HEALTHCARE> $2,0002.30 % + 10¢
AMEX B2B/WHOLESALE< $4001.55 % + 10¢
AMEX B2B/WHOLESALE< $7,5001.80 % + 10¢
AMEX B2B/WHOLESALE> $7,5002.25 % + 10¢
AMEX LODGING< $1002.25 % + 10¢
AMEX LODGING< $1,0002.60 % + 10¢
AMEX LODGING> $1,0003.00 % + 10¢
AMEX T&E< $1002.25 % + 10¢
AMEX T&E< $1,0002.60 % + 10¢
AMEX T&E> $1,0003.00 % + 10¢
AMEX PREPAID< $751.35 % + 10¢
AMEX PREPAID< $1,0001.70 % + 10¢
AMEX PREPAID> $1,0002.15 % + 10¢
AMEX OTHER< $1001.50 % + 10¢
AMEX OTHER< $3,0001.85 % + 10¢
AMEX OTHER> $3,0002.30 % + 10¢
AMEX EDUCATION< $1001.45 % + 10¢
AMEX EDUCATION< $3,0001.80 % + 10¢
AMEX EDUCATION> $3,0002.05 % + 10¢
AMEX GOVERNMENT< $1001.55 % + 10¢
AMEX GOVERNMENT< $3,0001.70 % + 10¢
AMEX GOVERNMENT> $3,0001.90 % + 10¢

 

Assessments and Association Fees
AMEX NETWORK FEES
Applies to all transactions.
0.10%
AMEX INTL CROSS BORDER FEE
Applies to all international transactions.
0.40%
AMEX KEYED FEE
Applies to all manually keyed transactions.
0.30%
AMEX ACCESS FEE
Only applies to merchants who were actively processing with American Express prior to converting to OptBlue.
0.30%

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Electronic Merchant Systems is a registered ISO/MSP for BMO Harris Bank, NA, Schaumburg, Illinois, Esquire Bank, Jericho, NY, Merrick Bank, South Jordan, UT, and Chesapeake Bank, Kilmarnock, VA.