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It’s easy doing business with American Express.

When dealing with any of our partners who accept American Express, we believe keeping it simple is the best approach. This section contains basic information regarding your American Express Merchant Account.

Your American Express transactions occur in one of three ways:
  • Card transaction, with the Cardmember present.
  • Card transaction, with the Cardmember not present (such as via mail, telephone, or the internet).
  • American Express Travellers’ Cheques.


You may either receive your Statement in the mail or you can download it from our
Online Merchant Services (OMS) website. Either way, if you need more information, our
Guide to Payments and Reconciliation has a more detailed explanation.


How we pay you. We’ll pay the net amount we owe you. We arrive at this amount by deducting the Discount Rate on each transaction, prior to settlement, rather than asking for payment at the end of the month. We may also offset any adjustments to your Account, such as credits, refunds or Chargebacks.

When we pay you. To find out when we pay your business, please consult your Merchant Payment Plan. If you can’t find your Merchant Payment Plan, please call our Merchant Services Hotline on 2277 2277 (Monday – Friday, 9am to 6.30pm) (except public holidays).

When will you need to pay us? There may be times when your Account is in debit. Reasons for this may include refunds you made to Cardmembers, outstanding fees, or a Chargeback debited to your Account after a Cardmember dispute.

How to settle any money you owe us? If you submit monthly transactions to American Express, we’ll deduct what you owe us from the next payment(s) we make to your business. If we consider those payments are not sufficient to clear the outstanding amount, we’ll contact you to make other arrangements.

Or, you can make your payment using the following method:

Please make it payable to: American Express International, Inc.
Then send it to:
American Express International Inc.
Merchant Services
18/F, Cityplaza 4,
12 taikoo Wan Road,
Taikoo Shing
Hong Kong

Please ensure that your American Express 10-digit Merchant number is written on the back of the cheque in order for us to identify your Merchant Account.

If you need to know more, simply download our Guide to Payments and Reconciliation which provides further help and guidance on how our payment system works.


American Express with Apple Pay

We're excited to announce that with American Express contactless-enabled terminal, your customers can now pay with Apple Pay using their iPhone or Apple Watch.

  • Fast and Simple - customers can now pay faster and more easily at point of sale.
  • Safe - Apple Pay transactions are as secure as physical Card transactions.
  • No additional fees - one flat rate for all American Express transactions, without any extra fees.

Want to know more about Apple Pay?

Click here or visit the Merchant FAQs.

Got a question?

We've got hundreds of answers ready and waiting.

Need to know more?

Contact our Merchant Services Hotline now.