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1.  Welcoming our Cards (and Travellers Cheques).

American Express transactions occur in one of the following ways:

a. Card transaction, with the Cardmember present.
b. Card transaction, with the Cardmember not present.
c. American Express Travellers Cheques.

When you become an American Express Merchant, we’ll guide you on how to handle American Express transactions.

2.  Checking your account.

With American Express, Merchants can receive statements by post, or online. With our Online Merchant Services  tool you'll save time, can download your financial data, plus you avoid paying £1.75 a month to receive a paper statement. Either way, when you become an American Express Merchant we’ll provide you with a statement guide that helps you understand your statements.

3.  How and when we’ll pay you.

How we’ll pay you. We’ll pay you the net amount we owe you. How do we arrive at this amount? We deduct the discount on each transaction, prior to settlement rather than asking you for payment at the end of the month. We may also offset any adjustments to your account, such as credits, refunds or Chargebacks.

When we’ll pay you. We pay most Merchants within five business days, from the date we receive the charges. When you become a Merchant, you’ll receive a Merchant Payment Plan, outlining when we’ll pay your business.

When will you need to pay us? There may be times when your account is in debit. Reasons for this may include outstanding paper statement fees, refunds you have made to Cardmembers, or a Chargeback debited to your account.

How to settle any money you owe us? If you submit frequent transactions to American Express, that is at least monthly, we’ll deduct what you owe us from the next payment(s) we make to your business. Where we consider that those payments are not sufficient to clear the outstanding amount, we’ll contact you to make other arrangements for settlement.

(If you’re already an American Express Merchant, log in  now for further details on payments and transactions.)