American Express' sophisticated credit checking systems monitor spend patterns in order to identify fraudulent or unapproved spend. This is done to protect your Company and Card Members. Any out-of-pattern spend will be referred for manual approval. This means the transaction will not go through on the Card until American Express has been contacted. Charges are more likely to be referred for manual approval when new Card Members start using the Card with a minimal spend history. The main types of out-of-pattern expenditure are large, internet or overseas transactions.
If a merchant indicates that a transaction has been declined, Card Members should request clarification on the reason for the decline. If the reason is that manual approval is required, the Card Member should ask the merchant to contact the American Express Merchant Services team to request manual approval.
To avoid a charge being declined when using the Corporate Card, Card Members can contact American Express prior to using their Corporate Card for a suspected out-of-pattern charge and seek pre-authorisation. We recommend Card Members seek pre-authorisation on all large, internet or overseas purchases. Card Members can contact our Credit Department at 1800 737 8188 ahead of the expected date that the charge is likely to be made.