American Express Interchange rates

American Express Card-Network

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%