Frequently Asked Questions

Below is a list of available currencies, and the countries to which you can send payments in those currencies. Please note that if your recipient's bank account is not denominated in the currency that you send, it is possible that your payment may be returned or the recipient bank may convert your payment into another currency at a rate that is not known by us. 

Below you will also see which types of payments maybe eligible for same business day delivery, as well as which types of payments may be eligible for delivery confirmation.

¹You can send same business day payments in select countries and currencies. You will be informed whether your payment is eligible to be delivered the same business day when you create the payment. If it is, your Estimated Delivery Date will show "Today".  Please remember that the Estimated Delivery Date is displayed in the time zone of the recipient’s bank. The Estimated Delivery Date takes into account factors such as the size of the payment, the time of day (including any applicable cut-off times) and relevant holidays.  The Estimated Delivery Date is merely an estimate and is not a guaranteed date of delivery.  Payments are subject to various reviews and delays can happen for a number of reasons.  And remember that the recipient bank has its own policies on when to make funds available to your recipient.  Just because the bank has received your funds does not mean the recipient is able to access those funds.  

²For select countries and currencies, American Express gets a confirmation message from the recipient bank confirming receipt of funds. In those cases, once we receive  the confirmation message, the status of the payment on the American Express Global Pay platform will be changed to "Delivered". Remember that the recipient bank has its own policies on when to make funds available to your recipient. Just because the bank has received your funds does not mean the recipient is able to access those funds.

³Available European countries:  Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom

Processing: We are preparing to release your payment. For more information, please click on the Payment History page where you can see the Estimated Delivery Date for your payment.
 
Sent: We have released your payment and it is on its way to your recipient’s bank.  If it is not received by the Estimated Delivery Date, you can contact us for more information.  Remember that the recipient bank has its own policies on when to make funds available to your recipient.  Just because the bank has received your funds does not mean the recipient is able to access those funds.
 
Delivered: In select countries and currencies, American Express Global Pay offers delivery confirmation. For payments made in those countries and currencies, American Express gets a confirmation message from the recipient bank confirming receipt of funds. In those cases, once we receive the confirmation message, the status of the payment on the American Express Global Pay platform will be changed to “Delivered”. Remember that the recipient bank has its own policies on when to make funds available to your recipient. Just because the bank has received your funds does not mean the recipient is able to access those funds. For more information on countries and currencies where delivery confirmation is available, see the question titled “In what currencies and to which countries can I send payments? In what currencies and to which countries can I make same business day payments? In what currencies and to which countries can I track payments through to delivery confirmation?”
 
Cancelled: At your request, we have stopped your payment.
 
Declined: American Express was unable to process your payment.  Please contact us for specific information about a declined payment. 
 
Returned: Your payment was returned to American Express. This can happen for a number of reasons.  For example, you may have provided inaccurate bank routing information or the recipient bank account may have been closed. If we are unable to deliver your payment to the recipient’s bank account, we will return your funds to you, net of any applicable fees that we or an intermediary bank have charged, and net of any losses due to foreign currency conversion. This means that you may not get all of your money back. You can contact us to understand the returned amount.  If you choose to create a new payment, please contact your recipient to make sure you have accurate bank account details for their bank account. 

When you are creating a payment, we will provide you with an Estimated Delivery Date.  This is merely an estimate and is not a guaranteed date of delivery.  Payments are subject to various reviews and delays can happen for a number of reasons.  The Estimated Delivery Date is displayed in the time zone of the recipient’s bank. Remember that the recipient bank has its own policies on when to make funds available to your recipient.  Just because the bank has received your funds does not mean the recipient is able to access those funds.

After you send a payment, you can check the status of your payment by clicking on the payment history page in American Express Global Pay.  For select countries, American Express gets a confirmation message from the recipient bank confirming receipt of funds.  In those cases, once we receive the confirmation message, the status of the payment on the American Express Global Pay platform will be changed to “Delivered”.  For a list of these select countries where delivery confirmation is available, please refer to the question titled “In what currencies and to which countries can I send payments? In what currencies and to which countries can I makse same business day payments? In what currencies and to which countries can I track payments through to delivery confirmation?"

If your recipient tells you that your funds have not been received, you can call (Toll-Free) 800-713-9859. We may be able to contact the recipient bank to get information about the status of your payment.  

No.  You must pay for every American Express Global Pay payment in advance.  You do this by giving us authority to debit your business bank account to pay for your payment, including any applicable fees that we charge.

Your American Express Global Pay payments must be funded in advance. You do this by giving us authority to debit your business bank account to pay for your payment, including any applicable fees.

No. American Express Global Pay is for business payments only and may not be used for personal, family or household payments of any kind.

Transaction fees are as follows: $5 per Foreign Exchange payment, $20 per Domestic U.S. Dollar payment, and $30 per Cross-border U.S. Dollar payment.

Foreign exchange payments are subject to a foreign exchange rate that is displayed before you make a payment.

There are no set-up or account maintenance fees. To be eligible for American Express Global Pay, your business must have an American Express® Business Card which may have fees.

American Express reserves the right to modify fees at any time and makes money from the purchase and sale of foreign exchange. There are many factors that may influence the fees and the exchange rates that we offer you, including but not limited to market volatility, currency pairs, and transaction size.

In some countries, intermediate banks or receiving banks may assess their own transactions fees on your payment, which can reduce the amount delivered to your recipient.

American Express will award one (1) Membership Rewards point for every USD $30 equivalent of foreign exchange payments that your business sends using American Express Global Pay. The maximum award per payment is 4,000 Membership Rewards points. This offer is only valid for foreign exchange payments.  It is not valid for same currency transactions (e.g. US Dollar to US Dollar), and it is not valid for any other products. For example, if you order a payment in the amount of EURO 10,000, and if we charge you USD 11,000 for those EUROS, then we will award 367 Membership Rewards points (11,000 divided by 30 = 367 points).  This exchange rate is for illustration purposes only. 

In order to benefit from this offer, your business must first designate an existing American Express Card that is enrolled in the Membership Rewards program to which we will award the Membership Rewards points. The Card must be linked to the same User ID as your American Express Global Pay account. Once we award points to the Card Member’s Membership Rewards program, the Card Member decides how to redeem those points, not you. It is your responsibility as well as the designated Card Member’s responsibility, to find out if you are, or the designated Card Member is, liable for any federal, state or local taxes as a result of receiving or using points. You are also responsible for tax information reporting, if any, that is required in connection with the receipt or use of points by the designated Card Member.

In order to benefit from this offer, your American Express Global Pay account and the designated American Express Card must be in good standing at all times, including at the time of points fulfillment.  No Membership Rewards points will be awarded for payments made through American Express Global Pay before we complete the processing of your request to designate an American Express Card to receive the points.  In the event a designated American Express Card is canceled for any reason, we may allow you to designate a different American Express Card to receive bonus points on payments you make after we process the newly designated American Express Card.  This offer cannot be combined with any other Membership Rewards related offer.  If we find that you have abused this offer, we may cancel this offer and any points awarded pursuant to this offer.  

Terms and Conditions for the Membership Rewards® program apply. Visit www.membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice. 

The value of Membership Rewards points varies according to how you choose to use them.  To learn more, go to www.membershiprewards.com/pointsinfo.

American Express reserves the right to change, limit, modify or cancel this offer at any time. 
Bonus ID B6XR.

American Express Global Pay is a money transmission service from American Express Travel Related Services Company, Inc. and allows you to send funds to the domestic or international bank accounts of your recipients.  

Unlike the purchases you make with your American Express Card, you must pay for every American Express Global Pay payment in advance.  You do this by giving us authority to debit your business bank account to pay for your payment, including any applicable fees that we charge.  

The dispute resolution processes and protection applicable to American Express credit card purchases do not apply to American Express Global Pay payments. The American Express Global Pay terms related to unauthorized payments are different from American Express Card payments.  Please review the American Express Global Pay terms and conditions before you submit your application. Those terms and conditions are different from your Cardmember Agreement.

No.  If you have Extended Warranty* or Purchase Protection** benefits on your American Express Card, those benefits do not apply to your American Express Global Pay account or to your American Express Global Pay payments. 

*Extended Warranty is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions.  For full Terms and Conditions, see  americanexpress.com/EWterms. If You have any questions about a specific item, please call us at 1-800-228-6855, if international, collect at 1-303-273-6498.

**Purchase Protection is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions.  For full Terms and Conditions, see

americanexpress.com/PPterms. If You have any questions about a specific item, please call us at 1-800-228-6855, if international, collect at 1-303-273-6498. 

If you cancel your American Express Business Card (or if American Express cancels your Card), we will close your American Express Global Pay account.  This means that you will not be able to make any more payments using American Express Global Pay.

Currently, American Express Global Pay accounts are limited to a single user. 

You do not have a right to a refund.  You are responsible for all American Express Global Pay payments created using your American Express User ID and password.  

If you think that someone else created an American Express Global Pay payment using your American Express User ID and password, please call the number on the back of your American Express Card immediately.  We may be able to request a return of funds.  We make no guarantees about our ability to retrieve your funds and our experience is that once the funds are delivered to the recipient, we can almost never recover those funds. 

Here are some suggestions to protect your account:

Choose a complex password that uses a mixture of numbers and letters. Avoid dates such as birthdays or anniversaries and update your password regularly.

Do not share your User ID and password with anyone else. American Express will never contact you to ask for your User ID or password.

American Express will never contact you to ask for your User ID or password.

Never make a payment to a recipient that you don’t know. 

Always confirm with your recipient that you have their most up to date information before you make a payment using American Express Global Pay.  You should confirm the recipient’s name and address and bank account routing instructions.  

Criminals may attempt to impersonate your supplier and to trick you into paying them.  Don’t rely merely on an email from your supplier giving you new bank routing information.  Among other options, you may want to call your supplier to confirm any changes to their name, address or bank routing instructions. 

American Express will never contact you to request any changes to your recipient’s information. 

American Express Global Pay incorporates encryption, both for stored data (such as account information) and for payments created and transmitted in real-time. The American Express Global Pay platform is deployed within American Express’ state of the art data center that features advanced online and offline security and monitoring against internet attacks. American Express Global Pay implements American Express standards relating to information integrity, transaction security and information security.

Multi-factor authentication - additional security is provided through features such as multi-factor authentication. Please ensure your mobile number and email address are kept up to date in American Express Global Pay so that you can receive verification codes to verify yourself.

Alerts - you will receive emails from us when a payment is sent from your American Express Global Pay Account. Ensure you monitor your emails and contact us immediately at 1-(800)-528-4800 if you think someone else has access to your account.