American Express Interchange Rates

American Express Payment Processing Options for Businesses

American Express is a popular credit card used by many consumers from around the world. Customers using Amex tend to make larger purchases, with many Amex cards being used for business and corporate purchases. In the past, Amex was the most expensive credit card to accept for business owners, causing many to reconsider whether or not they want to accept it at their business.

Amex offers two different pricing options for businesses – ESA and OptBlue®. ESA is American Express’ direct processing program, which means your account and transaction settlement is directly managed by American Express. If your business processes $1 million or more per year in Amex transactions you must have a direct account – your processor is no longer able to support your Amex account. OptBlue is a new processing option from Amex that offers wholesale pricing based on the industry and transaction amounts for businesses. It allows payment processors to offer Amex under an interchange plus, or cost-plus, pricing plan.

American Express USA Interchange Rates

Industry

Amount

Rate

Amex Retail

<$75

1.60 % + 10¢

Amex Retail

< $1,000

1.95 % + 10¢

Amex Retail

> $1,000

2.40 % + 10¢

Amex Services

< $250

1.70 % + 10¢

Amex Services

< $3,000

2.00 % + 10¢

Amex Services

> $3,000

2.40 % + 10¢

Amex Restaurant or Caterers

< $15

1.60 % + 0.04¢

Amex Restaurant or Caterers

< $150

2.50 % + 10¢

Amex Restaurant or Caterers

> $150

2.85 % + 10¢

Amex Mail Order & Intern

< $75

1.90 % + 10¢

Amex Mail Order & Intern

< $1,000

2.25 % + 10¢

Amex Mail Order & Intern

> $1,000

2.70 % + 10¢

Amex Healthcare

< $150

1.55 % + 10¢

Amex Healthcare

< $2,000

1.85 % + 10¢

Amex Healthcare

> $2,000

2.30 % + 10¢

Amex B2B/Wholesale

< $400

1.65 % + 10¢

Amex B2B/Wholesale

< $7,500

1.90 % + 10¢

Amex B2B/Wholesale

> $7,500

3.05 % + 10¢

Amex T&E

< $100

2.25 % + 10¢

Amex T&E

< $1,000

2.60 % + 10¢

Amex T&E

> $1,000

3.00 % + 10¢

Amex Prepaid

< $75

1.35 % + 10¢

Amex Prepaid

< $1,000

1.70 % + 10¢

Amex Prepaid

> $1,000

2.15 % + 10¢

Amex Other

< $100

1.50 % + 10¢

Amex Other

< $3,000

1.85 % + 10¢

Amex Other

> $3,000

2.30 % + 10¢

Individual Interchange Rates for Visa | Mastercard | Discover | American Express Included in the monthly price above

Pricing Plans

US Processing Payments is dedicated to providing the lowest pricing while providing you with software like Invoicing, Recurring Billing, ACH payments, and a Payments Page. Easy plugins connect to POS systems, Shopping Carts, QuickBooks and the card reader of your choice. No risk, no upfront fees, and no cancelation fees.

Assessments and Association Fees

Amex Network Fees (Applies to all transactions.)

0.15%

Amex Intl Cross Border Fee (Applies to all international transactions.)

0.40%

Amex Keyed FEE (Applies to all manually keyed transactions.)

0.30%