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Payment Processing Solutions for Merchants


Improving the payment experience to help you protect, grow and manage your business.


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Protect what you’ve worked for by fighting fraud on your terms.





Enhanced Authorization™


Increase approval rates and reduce fraud up to 60% in online transactions by sending additional transaction data to American Express.

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Receive fraud liability shift by providing an extra layer of security for purchases that are made through web browsers or in-app. 

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Count on comprehensive fraud protection, chargeback management and device intelligence across all your card brands. 

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Validate a customer’s name, phone number, email and address with this free, browser-based tool.

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Tokenization Service


Eliminate the need to store real card account numbers, with no added friction to the customer experience.

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Help protect your company and your customers with the global standard in card present security.*

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*EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo.


Fraud protection solutions at a glance. Click here.


Product Comparison

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Click here to learn more about how you can protect your business including our video about tools to help fight fraud.




Solutions to help fuel your business growth.




Help protect your company and your customers with the global standard in card present security.


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Enable contactless payments that encrypt transactions with a quick tap of the card.


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Access automatic updates to help reduce any payment disruptions that may arise. 


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Multi-Currency (MCCY)


Give international customers the convenience to pay in their local currency.


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Click to Pay with American Express*


Trust Click to Pay for a single, simple, safe checkout experience across Merchant websites, mobile apps and other digital platforms.


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* The Click to Pay icon is a trademark owned by and used with permission of EMVCo, LLC.


SmartBill Pro


SmartBill Pro is a billing-and-processing solution that allows you to authorize, submit and update Card information—all at once. 

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Payment processing solutions at a glance. Click here.


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Faster, easier payment management that puts you in control.


Raw Data


Get the information you need—automatically. Financial and/or dispute data flows directly into your systems, and you can customize it to work best for your business.

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More resources to fuel your growth

Your benefits of welcoming American Express


Business Solutions >

Access offers on curated services to help support your business


Business Savings Suite >

Webinars, articles, and more to help your business adapt


Business Class for Merchants >



Resources for Merchants in Response to Coronavirus (COVID-19)





Simple. Safe. Smart. Secure.

Transaction solutions to help improve your payment experience.



Contact your American Express Representative for more information.


All products and services may not be available to all merchants