Accepting American Express Payments
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.
AMEX Interchange Rates
American Express Wholesale Discount Rate
AMEX RETAIL
1.60 % + 10¢
< $75
AMEX RETAIL
1.95 % + 10¢
< $1,000
AMEX RETAIL
2.40 % + 10¢
> $1,000
AMEX SERVICES
1.60 % + 10¢
< $400
AMEX SERVICES
1.95 % + 10¢
< $3,000
AMEX SERVICES
2.40 % + 10¢
> $3,000
AMEX RESTAURANT
1.85 % + 10¢
< $25
AMEX RESTAURANT
2.45 % + 10¢
< $150
AMEX RESTAURANT
2.75 % + 10¢
> $150
AMEX CATERERS
1.85 % + 10¢
< $25
AMEX CATERERS
2.45 % + 10¢
< $150
AMEX CATERERS
2.75 % + 10¢
> $150
AMEX MAIL ORDER & INTERN
1.70 % + 10¢
< $150
AMEX MAIL ORDER & INTERN
2.05 % + 10¢
< $3,000
AMEX MAIL ORDER & INTERN
2.50 % + 10¢
> $3,000
AMEX HEALTHCARE
1.55 % + 10¢
< $150
AMEX HEALTHCARE
1.85 % + 10¢
< $2,000
AMEX HEALTHCARE
2.30 % + 10¢
> $2,000
AMEX B2B/WHOLESALE
1.55 % + 10¢
< $400
AMEX B2B/WHOLESALE
1.80 % + 10¢
< $7,500
AMEX B2B/WHOLESALE
2.25 % + 10¢
> $7,500
AMEX T&E
2.25 % + 10¢
< $100
AMEX T&E
2.60 % + 10¢
< $1,000
AMEX T&E
3.00 % + 10¢
> $1,000
AMEX PREPAID
1.35 % + 10¢
< $75
AMEX PREPAID
1.70 % + 10¢
< $1,000
AMEX PREPAID
2.15 % + 10¢
> $1,000
AMEX OTHER
1.50 % + 10¢
< $100
AMEX OTHER
1.85 % + 10¢
< $3,000
AMEX OTHER
2.30 % + 10¢
> $3,000
Assessments and Associations Fees
AMEX NETWORK FEES
0.15%
AMEX INTERNATIONAL CROSS BORDER FEE
0.40%
AMEX KEYED FEE
0.30%