Loading page
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.Official site ↗Published pricing (US) ↗
Online · percentage component
Rates are step functions: each level holds until it is replaced.
Online pricing across every country where this method is available, with the cost on a ¥100 payment for comparison.
| 3.5% + CA$0.14 |
| CA$3.64 |
| 3.64% |
| 8 Feb 2023 |
| Estimate |
 France | 2.5% + €0.10 | €2.60 | 2.60% | 9 Feb 2025 | Estimate |
 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 |
Every recorded change, newest first, with the movement from the rate it replaced.
In Japan, on the online channel: 3.5% + ¥16, in force since 14 Feb 2022 (estimate). Fees differ by market and channel, and the table above lists each one.
It is priced in 11 markets here: Australia, Canada, France, Germany, Italy, Japan, Mexico, Singapore, United Arab Emirates, United Kingdom, and others. A market missing from the list has not been recorded yet, which does not mean American Express Merchant acceptance is unavailable there.
It is recorded as 2-3 days. Actual timing can depend on cut-off times and on the receiving account.
Yes. It has a chargeback process, so a buyer can dispute a payment through their provider. For a business, that protection comes with dispute fees.
Yes. It is a payment method businesses accept, and the fees shown are what a merchant pays to be paid through it.
Australia
Canada