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

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

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 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

Refund

✔️

Partial refund

✔️

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.

国际卡-PC-商户有PCI-首次.png

Subsequent payments

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

国际卡-PC-商户有PCI-二次.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.

国际卡-PC-商户无PCI-首次.png

Subsequent payments

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

国际卡-PC-商户无PCI-二次.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.

国际卡-PC-SDK集成-首次.png

Subsequent payments

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

国际卡-PC-SDK集成-二次.png