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