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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.


Your Statement arrives 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 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 1800-235-6755 (Monday – Friday, 9am to 5pm) (Saturday, 9am to 1pm).

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 by one of the following methods:

Please make it payable to: American Express International, Inc.
Then send it to:
American Express International Inc.
Card Cashiers Department
The Comtech
60 Alexandra Terrace
#08-06 (Lobby B)
Singapore 118502

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 American Express Merchants are now able to accept Apple Pay transactions. This means that when American Express Card Members add their Card to their iPhone or Apple Watch, they can pay using their Apple device where American Express contactless payments are accepted. Card Members will also be able to use Apple Pay on their iPhone or iPad to pay within participating Merchant apps.

  • Fast - customers can pay faster and more easily at point of sale.
  • Safe - Apple Pay transactions are as secure as normal Card present transactions.
  • Simple - one flat rate for all American Express transactions, with no additional fees.

For more information visit the Merchant FAQs .

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