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Merchants get paid at the same time as their other card brands—all card payments come to them at once.
Merchants get one statement from their processor for all the card brands they accept.
Merchants benefit with a convenient point of contact through their processor for all the card brands they accept.
Processors set the rate for American Express acceptance - just like they do for all other card brands.
We’ve made a program update to the merchant acquiring Estimated Annual Charge Volume (ECV) threshold.
Effective April 17, 2026, the merchant acquiring threshold in the U.S. has been increased to $3,000,000. The increased merchant acquiring threshold excludes Puerto Rico and the U.S. Virgin Islands.
In the U.S.1, OptBlue Participants may only acquire prospective merchants that meet the Estimated Annual Charge Volume (ECV) program limits as outlined in the Operating Regulations.
New threshold in USD (rolling 12)1:
$3,000,000 for all eligible industry categories (excluding those listed below)
The following industry categories continue to have no threshold:
Charity, Healthcare, Education, Government, Insurance, Residential Rent, Utilities, and Online Gambling and Games of Value2 categories
Be ready with answers to merchants’ most asked questions about American Express Card acceptance.
View Guide (PDF)
Now that your new merchants can accept American Express, help them get started and help drive more business.
View Guide (PDF)
Help your merchants understand the disputes management process. Check out this helpful guide.
View Guide (PDF)
Share this Welcome kit with your merchants for additional tools and resources to help them make the most out of accepting American Express.
Download Welcome kitBy providing your merchants with complimentary signage for all major card brands, including American Express, they can give customers the opportunity to pay the way they choose.
Order now
American Express cares deeply about communities and believes small businesses are at the core of every thriving neighborhood.
Access tips, tools, and free marketing assets from the Shop Small® Resource Hub.
In 2025, 5.8 million small businesses were promoted to over 19 million Card Members across email, their Americanexpress.com online account, and the American Express® Map.6
Celebrated on the first Saturday after Thanksgiving, Small Business Saturday was created to help small business merchants do more business and drive more sales.
Go to the Shop Small Resource Hub
Help your merchants attract and retain customers by displaying American Express decals and other signage.
Order signage and supplies
The Business Savings Suite can help your merchants save with discounts on services to help them run their businesses.
Go to Business Savings Suite
Browse and share the latest collection of articles with insights and strategies for business success.
Explore Business Class for Merchants
See resources, insights, and solutions for helping your merchants prevent or resolve customer disputes.
Share an infographic with your merchants that outlines the trends in contactless payments.
Get a refresher on OptBlue Program Merchant Eligibility.
