Merchant Services

American Express Interchange Rates

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.

Merchants who are already accepting American Express can provide their Amex Merchant ID upon signup. Your American Express Merchant ID will remain the same, and Helcim will simply take over the role of authorizing your American Express payments.

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%