American Express

Accepting American Express Payments

American Express is a popular card used by customers around the world. Customers using American Express tend to make larger purchases, with many American Express cards used for business and corporate purchases. While some small businesses refuse to accept American Express because of higher costs, accepting this card allows you to capture the customers who prefer Amex.

If you area merchants who already accepts Amex cards, you can provide your Amex Merchant ID upon signing up with Fortune Payments. Your American Express Merchant ID will remain the same, and Fortune Payments will simply take over the role of authorizing your American Express payments.

 

Accepting Japan Credit Bureau (JCB) Cards

The Japan Credit Bureau (JCB) is a Japanese credit card network. Although the network is not as popular in North America as Visa and MasterCard, JCB is accepted worldwide. JCB operates through the American Express network and allows you to serve more customers globally.

 

American Express OptBlue®

Merchants processing less than $1,000,000 per year in American Express transactions may be eligible for the American Express OptBlue program. Standard Amex OptBlue wholesale discount rates apply.

Please note that some industries do not qualify for the Amex OptBlue registration and need to signup with Amex directly on their website.

American Express OptBlue Wholesale Discount Rates

Industry

Transaction Size

Rate

Amex Retail
< $75
1.95 % + 10¢
Amex Retail
< $1,000
1.60 % + 10¢
Amex Retail
> $1,000
2.40 % + 10¢
Amex Services
< $15
1.60 % + 4¢
Amex Services
< $400
1.70 % + 10¢
Amex Services
< $3,000
2.00 % + 10¢
Amex Restaurant
< $5
1.60 % + 4¢
Amex Restaurant
< $25
1.85 % + 10¢
Amex Restaurant
< $150
2.50 % + 10¢
Amex Restaurant
> $150
2.85 % + 10¢
Amex Mail Order & Internet
< $150
1.70 % + 10¢
Amex Mail Order & Internet
< $3000
2.05 % + 10¢
Amex Mail Order & Internet
>$3000
2.50 % + 10¢
Amex Healthcare
<$150
1.55 % + 10¢
Amex Healthcare
<$2000
1.85 % + 10¢
Amex Healthcare
>$2000
2.30 % + 10¢
Amex B to B / Wholesale
<$400
1.65 % + 10¢
Amex B to B / Wholesale
<$7500
1.90 % + 10¢
Amex B to B / Wholesale
>$7500
2.35 % + 10¢
Amex T&E
<$100
2.25 % + 10¢
Amex T&E
<$1000
2.60 % + 10¢
Amex T&E
>$1000
3.00 % + 10¢
Amex Prepaid
<$75
1.35 % + 10¢
Amex Prepaid
<$1000
1.70 % + 10¢
Amex Prepaid
>$1000
2.15 % + 10¢
Amex Other
<$100
1.50 % + 10¢
Amex Other
<$3000
1.85 % + 10¢
Amex Other
>$3000
2.30 % + 10¢
Amex Education
<$100
1.45 % + 10¢
Amex Education
<$3000
1.80 % + 10¢
Amex Education
>$3000
2.05 % + 10¢
Amex Government
<$100
1.55 % + 10¢
Amex Government
<$3000
1.70 % + 10¢
Amex Government
>$3000
1.90 % + 10¢
Amex Emerging Market
<$1200
1.43 % + 10¢
Amex Emerging Market
<$4000
2.05 % + 10¢
Amex Emerging Market
>$4000
2.70 % + 10¢
Amex VPayment
Any
1.89 % + 10¢

Assessments and Association Fees

Amex Network Fees

Applies to all transactions.
0.15%
Amex International Cross Border Fee

Applies to all international transactions
0.40%
Amex Keyed Fee

Applies to all manually keyed transactions
0.30%

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