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.
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
Help increase liquidity by saving on the supplies you need to run your business.
Reach more of your suppliers through quick and easy supplier enablement—even if they don’t accept American Express.
Early Pay provides an on-demand working capital tool that makes it easy for suppliers to get paid early in exchange for a discount.
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 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.
How it works for suppliers
Receive payments on your date of choice, and take advantage of having the influx of cash.3
Have the option of a financial back-up plan in the case of unexpected emergencies.
Choose when payments are made and help ensure seasonality doesn’t put a strain on your cash flow.
Consider investment opportunities that will fuel the health and growth of your business.
When your customer approves an invoice, you’ll receive an email containing an offer of early payment in exchange for a discount.
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
Your payment will be deposited into your bank account within 3 business days.
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.
Email us at our dedicated team at EarlyPaySupport@aexp.com for further information.
Early Pay Digital Supply Chain Finance Solution
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Our simple online solution allows suppliers to be paid early and does not require them to enter into complicated financing arrangements.
Early Pay can be used with any suppliers who meet our eligibility criteria. Suppliers need to be paid in USD, GBP or EUR. American Express will partner with you to determine which suppliers should be eligible for early payment.
No – Early Pay is executed by file transfers direct from your ERP and can leverage your existing file transfer process.
No – suppliers will only have access to invoices you’ve approved that also meet our eligibility criteria.
Yes – suppliers can select the date they wish to receive early payment which determines the corresponding discount.
Yes – after suppliers elect to receive early payment on their first invoice, they can opt in to receive early payments on all future eligible invoices automatically.
Suppliers will receive direct payment in their bank account.
No – we do not charge any implementation costs or annual fees.
No. Early Pay is a cloud-based solution that operates via file transfer. Unlike other supply chain finance platforms, we do not need to integrate our solution behind your firewall, which can make it safer, quicker and cheaper to implement.
No, Early Pay allows you to keep your existing DPO. If you select the American Express funded model, you pay us the full invoice amount on the original invoice due date.
After the initial set-up, which will automate your programme, Early Pay is executed by file transfers direct from your ERP and can leverage your existing file transfer process.
No, an American Express relationship is not required in order for suppliers to accept early payment.
Early Pay can supplement bank solutions by targeting small- to-mid size suppliers and can be used on an as-needed basis.
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.