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FX live, 150 of 153 currencies refreshed 29 Sept 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.
American Express · launched 1958
Closed-loop network acceptance. Amex typically prices above Visa/Mastercard because it does not split interchange with a separate issuer.
Representative of this rail in this market. Directionally useful, but not a quotable rate, confirm with the provider. Source: Typical Amex merchant discount rate.
In force since 14 Feb 2022
19.50% effective
−16.0% relative · from 4.17%
−24.0% relative · 3 revisions
Online · percentage component
Rates are step functions: each level holds until it is replaced.
Every recorded change, newest first, with the movement from the rate it replaced.
14 Feb 2022 → current
6 Jun 2020 → 14 Feb 2022
1 Jan 2019 → 6 Jun 2020
Online pricing across every country where this method is available, with the cost on a ¥100 payment for comparison.
| Germany |
| 2.5% + €0.10 |
| €2.60 |
| 2.60% |
| 23 Dec 2022 |
| Estimate |
| Italy | 2.5% + €0.10 | €2.60 | 2.60% | 11 Jun 2024 | Estimate |
| Japan | 3.5% + ¥16 | ¥20 | 19.50% | 14 Feb 2022 | Estimate |
| Mexico | 3.5% + MX$1.72 | MX$5.22 | 5.22% | 20 Apr 2025 | Estimate |
| Singapore | 3.5% + SGD 0.13 | SGD 3.63 | 3.63% | 10 Feb 2025 | Estimate |
| United Arab Emirates | 3.5% + AED 0.37 | AED 3.87 | 3.87% | 27 Jan 2022 | Estimate |
| United Kingdom | 3.5% + £0.07 | £3.57 | 3.57% | 6 Jan 2024 | Estimate |
| United States | 3.5% + $0.10 | $3.60 | 3.60% | 20 Sept 2023 | Estimate |