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American Express® Payment Solutions

Transform complicated to automated with our suite of Payment Solutions.

Let us help you turn piles of invoices, unpredictable employee spending, and outstanding vendor payments into streamlined systems that result in savings, discounts, efficiency — and improved relationships!

Here’s how we help tackle your payment challenges:

Control Employee Spending
Control Employee Spending
Control Employee Spending
Make Vendor Payments
Make Vendor Payments
Make Vendor Payments
Streamline Expense Management
Streamline Expense Management
Streamline Expense Management

Control Employee Spending

Employee spending gets complex when your staff, contractors, and freelancers need to make purchases on-the-go or book travel. Look at our solutions that:
  • Increase efficiency and transparency
  • Eliminate personal reimbursement process
  • Streamline reconciliation
Your workforce can efficiently manage travel expenses end-to-end with a Business Travel Account, and meetings with the American Express® Corporate Meeting Card1. When on-the-go, they can use American Express Go™ at point-of-sale — all while you control expenses and earn benefits.
Keep tracking of your employee spending for better results.

Make Vendor Payments

Pay multiple vendors who keep your business in business — by the due date. Look at our automated solutions that:
  • Improve cash flow
  • Strengthen vendor relationships
  • Improve working capital
Enjoy the flexibility of vendor payment options with Buyer Initiated Payments and Early Pay. Both can generate discounts and improve cash flow. Match up payments in with payments out using vPayment, and save time managing invoices with automated payments.
Be accurate on those vendor payments that genuinely impact the business.

Streamline Expense Management

With expenses pouring in from many areas, managing them can be complicated and time-consuming. Streamline it all with solutions that:
  • Automate business payments
  • Track business expenses
  • Oversee employee spending
Reduce time spent on manual B2B payment processing with automated payments. Track and manage expenses in one place with Spend ManagerSM2, and simplify reconciliation with Connect to QuickBooks®3.
Use American Express expense management solutions to manage and streamline your business expenses.

Grow your company with other American Express Business products

Corporate & Business Cards

Make doing business easier while earning valuable rewards4 and receiving world-class customer service.

Business Funding

Fund big ideas, invest in products or consolidate Business Card debt, with flexible payment terms that fit your needs. Terms apply.

International Payments5

Send and receive foreign currency wire payments securely6 without set-up7 or maintenance fees.

Terms & Conditions

1. Corporate Meeting Card (CMC): An annual fee applies. To learn more, contact an American Express representative at 1-855-835-8841.
2. Spend ManagerSM is a feature of American Express Business and Corporate Cards. American Express is not responsible for the completeness or accuracy of receipts displayed. Receipts will be stored until the earliest of the following: (1) seven years from the end of the year that the receipt was uploaded or (2) the date that your online account is closed. Notwithstanding the foregoing, American Express may delete or purge receipts for any reason in its sole discretion, with or without notice. The Spend ManagerSM Mobile App is only available with American Express Business and Corporate Cards. Not all functionality is available with Corporate Cards. The Spend ManagerSM Mobile App is only available on the App Store® and Google PlayTM. Apple, the Apple logo and iPhone are trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc. Spend ManagerSM and Connect to QuickBooks® are two separate business tools available with Business Cards from American Express that were created to work together. American Express is not responsible for the completeness or accuracy of receipts displayed in your QuickBooks. You must enroll in Connect to QuickBooks from your American Express online account. Connect to QuickBooks works with QuickBooks Online. For details about Spend ManagerSM, go to www.americanexpress.com/business/spendmanager. Any QuickBooks Online screen shots © Intuit Inc. All rights reserved. Intuit, the Intuit logo, QuickBooks, and the QB logo are registered trademarks of Intuit Inc. For full terms and conditions applicable to Employee Cards Spending Limits, go to www.americanexpress.com/spendlimits/terms.
3. Connect to QuickBooks works with QuickBooks Online and is available for use with Business Cards from American Express. Any QuickBooks Online screen shots © Intuit Inc. All rights reserved. Intuit, the Intuit logo, QuickBooks, and the QB logo are registered trademarks of Intuit Inc.
4. Not all Cards are eligible to get rewards. Terms and limitations vary by Card type.
5. FX International Payments is a service of American Express Travel Related Services Company, Inc. (“American Express”). This service is not available to consumers. To enroll in the service, your business will be required to complete an application which is subject to review and approval by American Express. For a copy of the application, including terms and conditions, call 1-833-319-7265. Please note that, if someone other than you completes the application to enroll your business in the FX International Payments services, the approval process may be delayed. Also note that, if you choose to fund your payments using a bank account other than the account on file with American Express, your application may also be delayed.
6. FX International Payments incorporates encryption, both for stored data (such as account information) and for payments created and transmitted in real-time. The FX International Payments platform is deployed within American Express’ state of the art data center that features advanced online and offline security and monitoring against internet attacks. FX International Payments implements American Express standards relating to information integrity, transaction security and information security.
7. American Express makes money from currency exchange.
Click here for information about addressing complaints regarding our money services business, lists of our money services business licenses and other disclosures.
NMLS ID #913828