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It’s easy doing business with American Express.

When dealing with our Merchants, we believe the best approach is to always keep it as simple as possible. Which is why we’ve designed these content pages to help you better manage your American Express Merchant Account. The following contains information concerning your Card transactions.

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.


Your statement arrives in either one of two ways: by post, or you can download it from our Online Merchant Services website. Either way, if you need more information our Guide for Payments and Reconciliation has more detailed explanations.


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, call our Customer Care Professionals on 0800 800 855 (Monday-Friday, 9.00am-6.00pm) to request a new one.

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? 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 by one of the following methods:

Please make it payable to: American Express International (NZ) Inc.
Then send it to:
American Express International (NZ) Inc.
Attention: Cashiers, Merchant Payments
PO Box 4005
Auckland NZ 1015

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.

Electronic Funds Transfer (EFT)
Bank: Westpac
BSB 030252
Account Number 048116200
Your reference number is your Merchant number

If you are paying by EFT, please fax the confirmation receipt to (+612) 9271 25360 once the funds have been transferred.

Direct Debit
Contact our Customer Care Professionals on 0800 800 855 (Monday – Friday, 9.00am – 6.00pm).

If you need to know more, download our Guide to Payments and Reconciliation which provides further help and guidance on how our payment system works. For more information, visit our Card Acceptance Terms and Conditions.

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