American Express® Payment Solutions

Flexible Working Capital solutions tailored to your business

Strengthen your supplier relationships through flexible and faster payment options 

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Our cash flow flexibility and on-the-ground expertise are tailor-made to help you grow your business 

Working Capital Optimization

 

Help increase cash flow by extending your Days Payable Outstanding.

Enhanced Short-Term Cash Flow

 

Experience the benefits of extended cash flow flexibility to shift focus to other near-term activities without sacrificing on-time payments to suppliers.

Support Your Suppliers

 

 

Enhance your supplier relationship through accelerated payments and shortened DPO. Our teams will support supplier onboarding.

Automated Payment Options

 

Integrate digital payment options into your ERP system. 

Boost your financial flexibility with American Express

24/7

global assistance and client servicing

160

years of experience serving business clients

68.6% 

of 2021 S&P 500 Companies are American Express® Global

Commercial Services customers1

Additional solutions available in the UK

An easy way to streamline your payment processs

Buyer Initiated Payments

Automated push payments vehicle to extend Payment terms2.

  • Enhanced controls
  • Easy reconciliation
  • Working capital optimization

Virtual Card Solutions

One time card numbers (or tokens) as a secure payment solution for each transaction.

  • Easy Integration
  • Access to data insights
  • Great visibility into payments

Corporate Purchasing Card

Card and/or virtual Account tail spend solution, with controls, limits, and data reconciliation3.

  • Improve processes: save £ per transaction
  • Enhanced spend controls
  • Use data to improve procurement 

Additional Features & Benefits

You'll get access to benefits and insights from many of our strategic partners, including:

Coupa Logo
  • Automated reconciliation
  • Cash flow management
  • Enhanced security and visibility through single-use tokens

Terms and Conditions

 

1. The S&P 500 Index is a product of S&P Dow Jones Indices LLC  (“S&P DJI”).  © S&P DJI 2022.  All rights reserved.  S&P®, S&P 500®, US 500 are trademarks of S&P DJI or its affiliates and are licensed for  use. S&P DJI is not affiliated with and does not endorse products or services of American Express. Claims not confirmed by S&P DJI or its affiliates.

 

2. The number of days by which your DPO is extended will vary depending on (i) when your American Express Card billing cycle you charge a transaction to a supplier, (ii) the date the transaction is posted to your account, and (iii) the date you pay the amount due on your American Express billing statement.  DSO reduction varies depending on the agreed terms upon which your customer makes payment using BIP.

 

3. The maximum amount of time for deferred payment on purchases is 44 calendar days and is obtained only if you spend the first day of the new statement period and repay the balance in full on the due date. Statement period may vary by each calendar month.