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 |
Acquiring region | US | |
Buyer country/region | Global | |
Product features | Payment type | CARD |
Card brand | American Express | |
Payment flow | Redirect | |
Payment completion | Real-time | |
Currency | Processing currency | USD |
Settlement currency | USD | |
Other | Settlement region | US |
Settlement cycle | T+4 | |
3D | ✔️ | |
Authorization validity period | 7 days | |
Minimum transaction amount | 0.01 USD or equal amounts | |
Max transaction amount | 9,999,999.99 USD | |
Checkout Payment | ✔️ | |
Auto Debit | ✔️ | |
Multiple partial captures | ❌ | |
Partial capture | ✔️ | |
Overdraft capture | ❌ | |
Refunds | ✔️ | |
Partial refunds | ✔️ | |
Chargeback/Dispute | ✔️ | |
Refund period | 365 days | |
Installment | ❌ |
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.
Subsequent payments
This section shows the difference between Web and app when users make the subsequent payments under the PCI qualified.
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.
Subsequent payments
This section shows the difference between Web and app when users make the subsequent payments under the non-PCI qualified.
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.
Subsequent payments
This section shows the difference between Web and app when users make the subsequent payments under the SDK integration.
