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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 you'll need once you have set up an American Express Merchant Account.

Your American Express transactions will 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 will arrive in either one of two ways: by post 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 more detailed information.


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 Merchant Services Hotline 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. 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.

Download our Guide to Payments and Reconciliation to receive further guidance on how our payment system works, or view our American Express Service Establishment Terms & Conditions.


Ready to accept
American Express

Simply complete our short enquiry form, and we'll be in touch soon.

Need to know more?

Call our Merchant Services Hotline now.