Alipay, China's leading third-party online payment solutionAlipay, China's leading third-party online payment solution

American Express

American Express (Amex) is a leading American bank holding company and multinational financial services corporation, specializing in payment cards. Amex had a 4.61% worldwide market share by payment volume in 2022, compared to 38.73% for Visa and 24% for Mastercard. Amex credit cards are widely accepted at 99% of U.S. merchants that accept credit cards.

Properties

The properties of Amex are shown in the following table:

Availability

Acquirer

AlipayUS

Merchant entity location

US

Buyer country/region

Global

Product features

Payment type

Card

Card brand

American Express

Currency

Processing currency

USD

Other

3D

✔️

Authorization validity period

7 days
To reduce costs, we recommend that you initiate a request to capture or cancel the authorization within 3 days.

Minimum payment amount

0.01 USD or equal amounts

Maximum payment amount

9,999,999.99 USD

Recurring payments (MIT)

✔️

Multiple partial captures

Partial capture

✔️

Overdraft capture

Refund

✔️

Partial refund

✔️

Chargeback/Dispute

✔️

Refund period

365 days

Advanced AVS check

✔️

Special payment element

Refer to Special payment elements for Cards for more details.

User experience

This section shows the user experience of Amex in different scenarios:

API-only integration

This section shows the difference in user experience between those PCI and non-PCI qualified under the API integration.

PCI qualified

This section shows the difference between the first-time and subsequent payments under the PCI qualified.

First-time payment

This section shows the difference between Web and app when users make the first-time payment under the PCI qualified.

American Express1.png

Subsequent payments

This section shows the difference between Web and app when users make the subsequent payments under the PCI qualified.

American Express3.png

Non-PCI qualified

This section shows the difference between the first-time and subsequent payments under the non-PCI qualified.

First-time payment

This section shows the difference between Web and app when users make the first-time payment under the non-PCI qualified.

American Express5.png

Subsequent payments

This section shows the difference between Web and app when users make the subsequent payments under the non-PCI qualified.

American Express7.png

SDK integration

This section shows the difference between the first-time and subsequent payments under the SDK integration.

First-time payment

This section shows the difference between Web and app when users make the first-time payment under the SDK integration.

American Express9.png

Subsequent payments

This section shows the difference between Web and app when users make the subsequent payments under the SDK integration.

American Express11.png

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