More reasons than ever to accept American Express
Call 0800 800 855 (9.00am to 6.00pm, Monday to Friday.) or + 64 9 583 8340 if outside New Zealand.
Accepting American Express at your business gives you access to:
Competitive and transparent pricing
Customers that spend more. American Express Card Members report spending 1.4x more than Non-Card Members1.
Dedicated support for managing your business
Best-in-class solutions to help prevent fraud and disputes

Take the guesswork out of your rates
As well as being competitive, we offer merchant rates that are transparent, based on your industry and annual account activity. The rate stays the same for every American Express Card that comes your way2.
Attract customers to your business
Your business could be featured in personalised emails we send to our Card Members3.
- 48% of American Express Card Members report they look for signs that the merchant accepts American Express before making a purchase4.
- American Express Card Members report spending 1.5x more than Non-Card Members at small businesses5
- American Express Card Members report spending 1.6x more than Non-Card Members at fine dining restaurants6.
Start accepting American Express today and you could be part of the Shop Small campaign
We are giving New Zealand Card Members who save the offer to their eligible Card and spend $10 or more at participating small businesses by 31 December 2020, a $5 credit.7 The offer is valid up to 10 times. Terms, conditions and exclusions apply. This Card Member offer is fully funded by American Express.
The Shop Small campaign is promoted to our Card Members via the Amex App and targeted marketing emails. In addition all participating businesses will receive free Shop Small signage so Card Members know to spend with them.

An extra set of eyes on your business
Help reduce fraud with a suite of tools designed to help flag suspicious activity and keep your business safe. We also continually update our policies to make managing disputes easier.
To understand our Disputes Process better click here

Accept our Cards and enjoy the backing of American Express
Call 0800 800 855 (9.00am to 6.00pm, Monday to Friday.) or + 64 9 583 8340 if outside New Zealand.

1. American Express Card Members report they spent an average of $5,010 on purchases in the last 6 months, relative to $3,464 average spend reported by Non-Card Members. (G4)
Source: American Express commissioned internet panel survey conducted in August-September 2019 based on purchases made in the 6 months prior to the survey. Definition of American Express® Card Members: Respondents who reported that they have an American Express Card and that they used that card to make purchases in the prior 6 months. Definition of Non-Card Members: Respondents who reported that they do not have any type of American Express Card and that used Visa, MasterCard, or debit cards to make purchases in the prior 6 months.
2. Your rate structure and other terms will be explained to you in full before set up of your new merchant account.
3. Your business could be recommended to Card Members in Card Member emails sent by American Express.
4. 48% of American Express Card Members report they agree before making a purchase, they look for signs or logos that indicate if the merchant accepts American Express, relative to 35% of Non-Card Members who gave the same response about another payment method. (G6)
Source: American Express commissioned internet panel survey conducted in August-September 2019 based on purchases made in the 6 months prior to the survey. Definition of American Express® Card Members: Respondents who reported that they have an American Express Card and that they used that card to make purchases in the prior 6 months. Definition of Non-Card Members: Respondents who reported that they do not have any type of American Express Card and that used Visa, MasterCard, or debit cards to make purchases in the prior 6 months.
5. American Express Card Members who made purchases at small businesses (small, independent, or local shops or retail merchants) in the last 6 months report they spent an average of $1,080, relative to $718 average spend reported by New Zealand Non-Card Members. (G4)
Source: American Express commissioned internet panel survey conducted in August-September 2019 based on purchases made in the 6 months prior to the survey. Definition of American Express® Card Members: Respondents who reported that they have an American Express Card and that they used that card to make purchases in the prior 6 months. Definition of Non-Card Members: Respondents who reported that they do not have any type of American Express Card and that used Visa, MasterCard, or debit cards to make purchases in the prior 6 months.
6. American Express Card Members who made purchases from fine dining restaurants in the last 6 months report they spent $534 on the same, relative to $329 average spend reported by Non-Card Members. (G4b)
Source: American Express commissioned internet panel survey conducted in August-September 2019 based on purchases made in the 6 months prior to the survey. Definition of American Express® Card Members: Respondents who reported that they have an American Express Card and that they used that card to make purchases in the prior 6 months. Definition of Non-Card Members: Respondents who reported that they do not have any type of American Express Card and that used Visa, MasterCard, or debit cards to make purchases in the prior 6 months
7. Shop Small Offer Terms and Conditions
- Offer is limited to a maximum $50 credit per Card and $5 credit per eligible transaction.
- You must spend on the Card to which the offer is saved in-store at a participating Shop Small business:For participating in-store businesses click here.
- Excludes gift card purchases.Excludes transactions made through a third party establishment or payment processor.
- Credit is not redeemable for cash or other payment form.
- Credit should appear on your billing statement within 5 business days from qualifying spend but may take up to 90 days from the offer end date.
- Credit will not be applied to your Card Account if your Card has been suspended or cancelled.
- Credit may be reversed if your qualifying purchase is refunded.
- Full Offer Terms available here.
1. American Express Card Members report they spent an average of $5,010 on purchases in the last 6 months, relative to $3,464 average spend reported by Non-Card Members. (G4)
Source: American Express commissioned internet panel survey conducted in August-September 2019 based on purchases made in the 6 months prior to the survey. Definition of American Express® Card Members: Respondents who reported that they have an American Express Card and that they used that card to make purchases in the prior 6 months. Definition of Non-Card Members: Respondents who reported that they do not have any type of American Express Card and that used Visa, MasterCard, or debit cards to make purchases in the prior 6 months.
2. Your rate structure and other terms will be explained to you in full before set up of your new merchant account.
3. Your business could be recommended to Card Members in Card Member emails sent by American Express.
4. 48% of American Express Card Members report they agree before making a purchase, they look for signs or logos that indicate if the merchant accepts American Express, relative to 35% of Non-Card Members who gave the same response about another payment method. (G6)
Source: American Express commissioned internet panel survey conducted in August-September 2019 based on purchases made in the 6 months prior to the survey. Definition of American Express® Card Members: Respondents who reported that they have an American Express Card and that they used that card to make purchases in the prior 6 months. Definition of Non-Card Members: Respondents who reported that they do not have any type of American Express Card and that used Visa, MasterCard, or debit cards to make purchases in the prior 6 months.
5. American Express Card Members who made purchases at small businesses (small, independent, or local shops or retail merchants) in the last 6 months report they spent an average of $1,080, relative to $718 average spend reported by New Zealand Non-Card Members. (G4)
Source: American Express commissioned internet panel survey conducted in August-September 2019 based on purchases made in the 6 months prior to the survey. Definition of American Express® Card Members: Respondents who reported that they have an American Express Card and that they used that card to make purchases in the prior 6 months. Definition of Non-Card Members: Respondents who reported that they do not have any type of American Express Card and that used Visa, MasterCard, or debit cards to make purchases in the prior 6 months.
6. American Express Card Members who made purchases from fine dining restaurants in the last 6 months report they spent $534 on the same, relative to $329 average spend reported by Non-Card Members. (G4b)
Source: American Express commissioned internet panel survey conducted in August-September 2019 based on purchases made in the 6 months prior to the survey. Definition of American Express® Card Members: Respondents who reported that they have an American Express Card and that they used that card to make purchases in the prior 6 months. Definition of Non-Card Members: Respondents who reported that they do not have any type of American Express Card and that used Visa, MasterCard, or debit cards to make purchases in the prior 6 months
7. Shop Small Offer Terms and Conditions
- Offer is limited to a maximum $50 credit per Card and $5 credit per eligible transaction.
- You must spend on the Card to which the offer is saved in-store at a participating Shop Small business:For participating in-store businesses click here.
- Excludes gift card purchases.Excludes transactions made through a third party establishment or payment processor.
- Credit is not redeemable for cash or other payment form.
- Credit should appear on your billing statement within 5 business days from qualifying spend but may take up to 90 days from the offer end date.
- Credit will not be applied to your Card Account if your Card has been suspended or cancelled.
- Credit may be reversed if your qualifying purchase is refunded.
- Full Offer Terms available here.