Overview

Processing American Express® Card transactions just got easier.

American Express offers you cost effective, flexible options for connecting to our network for fast and efficient processing of American Express Cardmember transactions. Whether you’re a merchant, third party processor, gateway or point-of-sale manufacturer, our connectivity solutions can work for you.

Download an overview of Internet Direct.

Download an overview of Payment SDK.

Featured Solutions
  • Internet Direct Processing:
    Harness the speed of the Internet to connect directly to our network and process American Express® Card transactions, with no incremental cost to you.
  • Payment SDK:
    Our Payment Software Developer Kits (SDKs) deliver the tools you need to help minimize the development time to build and certify for a direct transaction processing solution. By processing directly with American Express, you can avoid processing fees, get paid sooner, and minimize potential points of failure for your American Express Card transactions.
Internet Direct

Fast, easy, Internet-based processing.

Leverage your existing Internet Service Provider to connect directly to the American Express network for authorisation and settlement of American Express® Card transactions.

With Internet Direct processing, there are no incremental cost to you because there are no additional communication expenses or routers to purchase and maintain.

Email us to for more information about Internet Direct.

Key Features

Process American Express® Card transactions with ease and confidence.

  • No transaction volume constraints.
  • Works in Card-present and Card-not-present environments.
  • Supports IP terminals, integrated POS systems and more.
  • Use your existing Internet Service Provider, no additional communications expense or routers required.



  • Transaction speeds of 1 to 3 seconds.
  • Fault tolerance and two site redundancy ensure your American Express Card transactions can be processed anytime day or night.
  • Flexible deployment options including real-time XML authorizations and submissions.
  • 128 bit SSL encryption security.
Payment SDK

Quickly and easily develop your American Express® Card payment interface.

Why spend unnecessary time on integration? Our Payment SDK will help accelerate the development process so you can begin processing directly with American Express. What’s more, with the full source code included, you can innovate new solutions that will help your business stand out from the competition.

To learn more email us, or download our Payment SDK from our Global Merchant Specifications Website.

Key Features

Digital development tools helping you get to market faster.

  • Available for the Java and .NET/C# platforms.
  • The Authorisation SDK manages the communication elements to integrate with our Internet Direct platform as well as VPN and MPLS.
  • The Submissions SDK manages communication with American Express Secure File Transfer (SFT) to enable a secure payment solution.



  • Uses the American Express global standard specifications.
  • Provides access to American Express fraud prevention tools.