American Express®
AccessLine®
With AccessLine, your American Express Card
is the only Card you need for domestic payments.
Subject to approval, enrolment required and T&Cs apply.1
Why AccessLine
Pay virtually any supplier
within Australia, even if they
don’t accept Card payments
Earn rewards points on your
eligible AccessLine spend,
including Government-related spend
at your full Card earn rate2, if you are enrolled in a rewards program.
Unlock the full earn rate of your Card when paying the Australian Taxation Office4
Earn reward points at the full earn rate of your Business or Corporate Card when your Business uses AccessLine to pay the ATO4
How AccessLine Works
You Enrol and add
Supplier Payments
• Apply and be approved for AccessLine
• Register your Card and suppliers
• Create supplier payments
Amex manages transactions
• We pay your suppliers directly into their bank accounts
• We charge the transactions and trade service fee to your Amex Card
You pay Amex
• Pay your monthly Amex statement as per the T&Cs associated with your Card
Trade Service Fee for Transactions*
Trade Service Fee for Transactions*
Trade Service Fee Structure*3
| AccessLine Transaction Amount | Trade Service Fee % |
| $0 - $99,999 | 2.15% |
| $100,000 - $299,999 | 2.10% |
| $300,000 - $499,999 | 2.05% |
| $500,000 - $999,999 | 2.00% |
| $1,000,000+ | 1.95% |
*A Trade Service Fee of up to 2.15% applies, unless we advise otherwise. GST is not applicable.
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Frequently Asked Questions
American Express®
Corporate Platinum Card
American Express®
Qantas Corporate Platinum Card
The American Express®
Qantas Business Rewards Card
The American Express®
Gold Business Card
American Express®
Corporate Purchasing Card
American Express®
Corporate Gold Card
American Express®
Qantas Corporate Gold Card
The American Express®
Platinum Business Card
The American Express®
Velocity Business Card
The American Express
Business Explorer® Credit Card
American Express®
Corporate Card
American Express®
Qantas Corporate Card
The American Express®
Business Gold Plus Card
The American Express®
Business Accelerator Credit Card
Depending on the American Express Card you own, you may be eligible to receive rewards points for your AccessLine transactions. This is subject to the Terms and Conditions of the Rewards program you are enrolled in, please refer to your relevant loyalty program Terms and Conditions:
All AccessLine spend across industries (including Government) will attract the earn rate for eligible spend applicable to your Card product. There is no reduced earn rate for Government industry spend on Accessline.
Yes, you will be charged a Trade Service Fee of up to 2.15% per transaction (unless we advise you otherwise), GST not applicable.
Please use the following link to login to AccessLine portal accessline.amex-payment.com
Please click here to apply now to Accessline
Please click here and click "Need Help?”
Please click here for assistance setting up a Payee or creating a payment.
We have recently launched a new URL. This new URL provides a seamless log-in user experience. Please bookmark our new URL for future use: accessline.amex-payment.com
If you have any questions, please feel free to contact the AccessLine Servicing Team on 1300 554 884 Monday to Friday 9am-5pm, AEST/AEDT, or email accessline.team@aexp.com.
Please contact your American Express Account Manager or customer service team at accessline.team@aexp.com or 1300 554 884, available Monday to Friday 9am - 5pm AEST/AEDT.
Getting Started
Add AccessLine
to your Amex Card
Further support
For further assistance, please contact your American Express Account Manager or customer service team at accessline.team@aexp.com or 1300 554 884, available Monday to Friday 9am – 5pm AEST/AEDT.
- Subject to approval, enrolment required and T&Cs apply.
- Any reduced earn rate on your Card product for Government industry spend is not applicable to AccessLine. All AccessLine spend across industries (including Government) will attract the earn rate for eligible spend applicable to your Card product.
- Trade Service Fee of up to 2.15% applies to all AccessLine transactions, unless advertised otherwise. GST does not apply to the provision of AccessLine facility as it is a financial supply.
- You will earn rewards points on ATO payments in accordance with your Amex Card product rewards program. Using Accessline to pay the ATO will attract the earn rate for eligible spend applicable to your Card, where there is no reduced earn rate for ATO spend on Accessline.
AccessLine® is arranged through American Express Australia Limited (ABN 92 108 952 085) and American Express International, Inc. (Australia Branch)
(ABN 15 000 618 208) incorporated with limited liability in Delaware, USA. ® Trademark of American Express Company.
American Express Australia Limited 12 Shelley St, Sydney NSW 2000 (ABN 92 108 952 085).
© 2025 American Express Company. All rights reserved.
American Express
AccessLine®
AccessLine allows you to use your American
Express® Business or Corporate Card to make
domestic payments to businesses, even if they
don’t accept Card payments.
Key Features and Benefits
Key Features and Benefits
| Pay virtually any business, within Australia Pay virtually any supplier within Australia, even if they don’t accept Card payments. Our easy-to-use payment portal will allow you to use your American Express Card to pay directly into your supplier’s bank account. |
| Pay early & negotiate supplier discounts AccessLine can help you pay suppliers faster, which could strengthen relationships and give you the opportunity to negotiate early payment discounts. |
| Take advantage of your Card’s potential cash flow benefits AccessLine lets you pay suppliers at the right time in your billing cycle to maximise your cash flow. Depending on your Card, in addition to extended cash flow period2, you can also take advantage of Flexible Payment Option which allows you to pay a portion of your account balance over time (interest charges apply)3. |
| Be rewarded for all your business purchases If you are enrolled in a Rewards Program and pay a supplier with AccessLine, your Business will earn reward points for every dollar spent4, including ATO and Government Related spend5 at full earn rates. Your earn rate will vary depending on type of American Express Card you have. |
| Low fee for all transactions Trade Service Fee of up to 2.15%, GST not applicable, applies to all AccessLine transactions (unless we advise you otherwise). |
How it works
How it works
You enrol & register your supplier
- Enrol with AccessLine via the online payment portal.
- Pre-register your suppliers and create your payment within the portal.
We complete the transaction
- We send the payment straight to your supplier’s bank account.
- We charge the supplier transaction and trade service fee to your nominated Business or Corporate Card.
- The supplier receives payment and completes the related transaction.
You settle your monthly statement
- You then settle your monthly American Express statement as per the T&Cs associated with your Card.
Trade Service Fee for Transactions*
Trade Service Fee for Transactions*
| AccessLine Transaction Size | Trade Service Fee |
| $0 - $99,999 | 2.15% |
| $100,000 - $299,999 | 2.10% |
| $300,000 - $499,999 | 2.05% |
| $500,000 - $999,999 | 2.00% |
| $1,000,000+ | 1.95% |
*GST is not applicable to the fee
Ready to get started?
For further assistance, please contact your American Express Account Manager or customer
service team at accessline.team@aexp.com or 1300 554 884,
available Monday to Friday 9am - 5pm AEST/AEDT
Don’t have an American Express Card?
Don’t have an American Express Card?
American Express offer a range of Cards built for business.
From generous rewards to everyday benefits, there’s sure to be a Card perfect for your needs.
Any questions? Check out these FAQs
American Express®
Corporate Platinum Card
American Express®
Qantas Corporate Platinum Card
The American Express®
Qantas Business Rewards Card
The American Express®
Gold Business Card
American Express®
Corporate Purchasing Card
American Express®
Corporate Gold Card
American Express®
Qantas Corporate Gold Card
The American Express®
Platinum Business Card
The American Express®
Velocity Business Card
The American Express
Business Explorer® Credit Card
American Express®
Corporate Card
American Express®
Qantas Corporate Card
The American Express®
Business Gold Plus Card
The American Express®
Business Accelerator Credit Card
Depending on the American Express Card you own, you may be eligible to receive rewards points for your AccessLine transactions. This is subject to the Terms and Conditions of the Rewards program you are enrolled in, please refer to your relevant loyalty program Terms and Conditions:
All AccessLine spend across industries (including Government) will attract the earn rate for eligible spend applicable to your Card product. There is no reduced earn rate for Government industry spend on Accessline.
Yes, you will be charged a Trade Service Fee of up to 2.15% per transaction (unless we advise you otherwise), GST not applicable.
Please use the following link to login to AccessLine portal accessline.amex-payment.com
Please click here to apply now to Accessline
Please click here and click "Need Help?”
Please click here for assistance setting up a Payee or creating a payment.
We have recently launched a new URL. This new URL provides a seamless log-in user experience. Please bookmark our new URL for future use: accessline.amex-payment.com
If you have any questions, please feel free to contact the AccessLine Servicing Team on 1300 554 884 Monday to Friday 9am-5pm, AEST/AEDT, or email accessline.team@aexp.com.
Please contact your American Express Account Manager or customer service team at accessline.team@aexp.com or 1300 554 884, available Monday to Friday 9am - 5pm AEST/AEDT.
1. This information has been prepared without taking into account your objectives, financial situation or needs. You should read the AccessLine Terms and Conditions and consider the appropriateness of Australian domestic payments using AccessLine in relation to your individual requirements. AccessLine is not available to individual consumers. To enrol in this service, your business will be required to complete an application, which is subject to review and approval by American Express. To use AccessLine, you must have an American Express Corporate Card or American Express Business Card that is registered to use the service. Terms, conditions, fees and charges apply. Card Members may only participate in the Program if their Company chooses to enrol their Card Account in the Program, subject to our approval.
2. The number of days you can extend your cash flow by are dependent on your Card product type, method of payment, when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your account from your previous statement period. If you pay by direct debit, your payment will be processed 10 days after your statement is issued.
3. With Flexible Payment Option, you will be charged interest if you do not pay your Closing Balance in full by the due date each month. Please refer to your monthly statements for the current interest rate and PDS for number of interest free days. Click here for full terms and conditions.
4. Enrolment required (an annual program fee may apply). Subject to terms and conditions of your relevant loyalty program. For more information, please refer to your relevant loyalty program Terms and Conditions:
- Membership Rewards Terms and Conditions
- Qantas American Express Cards Points Terms and Conditions
- American Express Qantas Business Rewards Cards Points Terms and Conditions
- American Express Velocity Points Terms and Conditions
5. Any reduced earn rate on your Card product for Government industry spend is not applicable to AccessLine. All AccessLine spend across industries (including Government) will attract the earn rate for eligible spend applicable to your Card product.
AccessLine® is arranged through American Express Australia Limited (ABN 92 108 952 085) and American Express International, Inc. (Australia Branch) (ABN 15 000 618 208) incorporated with limited liability in Delaware, USA. ® Trademark of American Express Company. © 2024 American Express Company. All rights reserved.