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Issuing credits simplified

Like many of our merchants, you probably have a return policy for those times when a customer decides to return merchandise. To issue a credit to an American Express® Card for returned merchandise, follow the below steps.

Guidelines for issuing credits

1. Print a receipt for the credit from your terminal including the following information:
  • Card account number
  • date credit was issued
  • amount of credit
  • your business name
  • the 10-digit merchant account number that you use for processing transactions
  • your merchant number*


    *To provide a clean audit trail, the credit should be issued through the same merchant account number that
    was used for the original purchase.

2. Obtain the Cardmember's signature.

3. Select the "Batch Out" key on your terminal at least once a day to transmit all of your American Express
    credits for that day.

    Note: All credits should be submitted within seven days of the product or service being returned.

THE CONTENT OF THIS WEBSITE IS INTENDED FOR EDUCATIONAL PURPOSES ONLY.
MERCHANTS MUST CONSIDER THE INFORMATION PRESENTED IN LIGHT OF THEIR INDIVIDUAL CIRCUMSTANCES AND OBJECTIVES. AMERICAN EXPRESS IS NOT MAKING ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, AS TO THE ACCURACY OR COMPLETENESS OF ANY INFORMATION THAT IS PROVIDED HEREUNDER. FOR THE MOST ACCURATE AND CURRENT INFORMATION REGARDING OUR POLICIES AND PROCEDURES PLEASE VISIT www.americanexpress.com/merchantpolicy