American Express Interchange rates
AmericanExpress is the original credit card and is very popular among customers around the world. AMEX cards are most commonly found in business and corporate settings, and by having the ability to accept AMEX branded cards, your customers benefit from the ease of making payments in-person, by phone and online.
First Direct Financial offers you the ability to accept AMEX in any format with end-to-end encryption and our Interchange+ pricing model. This combination makes accepting payments at your business safe, secure, affordable and transparent.
For Merchants who have their own American Express account, you are able to provide us with your AMEX Merchant ID during the application process to make sure all of your American Express transactions go through your direct account.
Accepting Japan Credit Bureau (JCB) Cards
Japan Credit Bureau (JCB) is a Japanese card network. Similar to Discover and China UnionPay’s relationship, JCB operates through American Express network. This means anywhere AMEX is accepted, so is JCB, giving you the ability to serve more customers globally.
American Express OptBlue®
Merchants who process 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 keep in mind that some industries do not qualify for the AMEX OptBlue® registration and need to signup with AMEX directly by clicking here.
American Express OptBlue Wholesale Discount Rates
Indusrty
Transaction Size
Interchange Rate
AMEX RETAIL
AMEX RETAIL
AMEX RETAIL
AMEX SERVICES
AMEX SERVICES
AMEX SERVICES
AMEX RESTAURANT
AMEX RESTAURANT
AMEX RESTAURANT
AMEX CATERERS
AMEX CATERERS
AMEX CATERERS
AMEX MAIL ORDER & INTERN
AMEX MAIL ORDER & INTERN
AMEX MAIL ORDER & INTERN
AMEX HEALTHCARE
AMEX HEALTHCARE
AMEX HEALTHCARE
AMEX B2B/WHOLESALE
AMEX B2B/WHOLESALE
AMEX B2B/WHOLESALE
AMEX LODGING
AMEX LODGING
AMEX LODGING
AMEX T&E
AMEX T&E
AMEX T&E
AMEX PREPAID
AMEX PREPAID
AMEX PREPAID
AMEX OTHER
AMEX OTHER
AMEX OTHER
< $75
< $1,000
> $1,000
< $400
< $3,000
> $3,000
< $25
< $150
> $150
< $25
< $150
>$150
< $150
< $3,000
> $3,000
< $150
< $2,000
> $2,000
< $400
< $7,500
> $7,500
< $100
< $1,000
> $1,000
< $100
< $1,000
>$1,000
< $75
< $1,000
> $1,000
< $100
< $3,000
> $3,000
1.60 % + 10¢
1.95 % + 10¢
2.40 % + 10¢
1.60 % + 10¢
1.95 % + 10¢
2.40 % + 10¢
1.85 % + 10¢
2.45 % + 10¢
2.75 % + 10¢
1.85 % + 10¢
2.45 % + 10¢
2.75 % + 10¢
1.70 % + 10¢
2.05 % + 10¢
2.50 % + 10¢
1.55 % + 10¢
1.85 % + 10¢
2.30 % + 10¢
1.55 % + 10¢
1.80 % + 10¢
2.25 % + 10¢
2.25 % + 10¢
2.60 % + 10¢
3.00 % + 10¢
2.25 % + 10¢
2.60 % + 10¢
3.00 % + 10¢
1.35 % + 10¢
1.70 % + 10¢
2.15 % + 10¢
1.50 % + 10¢
1.85 % + 10¢
2.30 % + 10¢
Assessments and Association Fees
AMEX Network Fees
AMEX International Cross Border Fee
AMEX Keyed Fee
AMEX Access Fee
0.15%
0.40%
0.30%
0.30%