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American Express® Early Pay: Dynamic Discounting

A cash flow solution that benefits buyers and suppliers.

Create mutually beneficial early payment arrangements that can help strengthen your supply chain relationship by offering your suppliers faster access to cash on hand.

Early Pay for Buyers

Jump to Early Pay for Suppliers


Help strengthen your supply chain by offering your suppliers faster access to cash with Dynamic Discounting, an Early Pay option that allows you to use your own cash to fund early payments.

How it works for buyers

Early Pay Dynamic Discounting: Benefits for Buyers

Save on invoices

Help increase liquidity by saving on the supplies you need to run your business.

Easily onboard suppliers

Reach more of your suppliers through quick and easy supplier enablement—even if they don’t accept American Express.

Strengthen supply chain relationships

Early Pay provides an on-demand working capital tool that makes it easy for suppliers to get paid early in exchange for a discount.

How it works for buyers



American Express sends early payment offers on invoices to eligible suppliers via email and the Early Pay supplier platform.



Your supplier chooses a date from among offered dates for early payment with a corresponding discount.1



Pay your supplier directly into their bank account2 within three (3) business days.

Early Pay for Suppliers

Jump to Early Pay for Buyers


Early Pay is an on-demand working capital tool you can use whenever your business requires additional funding. Retain full control of your invoices while getting paid sooner on eligible invoices for a respective discount.

Early Pay Dynamic Discounting: Benefits for Suppliers

How it works for suppliers

Quickly access

working capital

Receive payments on your date of choice, and take advantage of having the influx of cash.3

Be prepared for the unexpected

Have the option of a financial back-up plan in the case of unexpected emergencies.

Safeguard from


Choose when payments are made and help ensure seasonality doesn’t put a strain on your cash flow.

Enable business


Consider investment opportunities that will fuel the health and growth of your business.

How it works for suppliers


View offer

When your customer approves an invoice, you’ll receive an email containing an offer of early payment in exchange for a discount.


Choose early payment

You can opt into the early payment date and discount offered in the email, or create an Account to choose from multiple early payment dates with corresponding discounts.1


Get paid early

Your payment will be deposited into your bank account within 3 business days.


Customize your payments

If you've created an Early Pay Account, you can select your early payment date on an invoice-to-invoice basis or sign up to have all eligible invoices paid early.

Reach out for more information

Email us at our dedicated team at for further information.

Find more ways to streamline business spend

Early Pay Digital Supply Chain Finance Solution

Pay your suppliers early using funds from American Express to help increase working capital without impacting your DPO


Blog: 3 ways suppliers can improve cash flow

Find out how to help you improve your cash flow and generate working capital for your business.

Webinar: Funding supply chains for recovery

The inside story of Taylor Wimpey’s ‘Pay it Forward’

Frequently Asked Questions

Important Information


1. Discount will vary based on early payment date selected, supplier creditworthiness and other factors.


2. When American Express funds early payments, offers and subsequent payments are subject to a funding limit.


3. Suppliers decide if they accept early payment offers, and take a discount on their invoice amount if they accept the offer. Economic benefit generated for Buyers depends on this, discount amount and funding arrangement with American Express.