Code of Conduct for the Credit and Debit Card Industry in Canada
This Code supports transparency, fair business practices, and choice for Canadian merchants. The Code was introduced in May 2010, by the Minister of Finance, and was enhanced in April 2015 to help ensure that merchants are able to benefit fully from the principles set out in the Code. The Code provides guidance for Payment Card Network Operators (PCNOs), Acquirers and Card Issuers in Canada. Amex operates as a PCNO, an Acquirer, and an Issuer of Amex cards in Canada.
Our Role as Acquirer
As an Acquirer, Amex provides merchant services, which includes processing Amex card transactions, delivery of statements, and making payments to merchants who accept Amex cards directly with Amex. If you are a merchant who obtains services directly from Amex and have questions about our services or pricing, please contact us at 1-800-268-9877.
Our role as PCNO
As a PCNO, Amex operates the Amex Network in Canada and facilitates transmission of Amex card transactions through this network.
Amex has authorized certain third-party Acquirers to contract and work with merchants to accept Amex cards through a third-party Acquiring program known as the OptBlue® Program. Under the OptBlue Program, these third-party Acquirers provide merchants with full merchant services, including processing Amex card transactions, delivery of statements, and making payments to merchants. If you are a merchant that obtains merchant services through a third-party Acquirer, contact the Acquirer with whom you have signed your Merchant Agreement for information about their services and pricing.