In addition to the Discount, Merchants may be subject to various other fees and assessments. Some fees and assessments are for special products or services, while others may be applied because of a Merchant's non-compliance with our policies and procedures. Many non- compliance fees and assessments can be avoided by correcting the actions that are causing the Merchant not to be in compliance.
We have made every attempt to provide the most up-to-date information on this page; however, this information may change periodically and we may not have had an opportunity to reflect those changes here. To see the most up-to-date information, please visit our American Express Merchant Reference Guide – U.S. online.
The Agreement imposes various fees and assessments, examples of which are described below.
|Discount Rate||The Discount Rate is one of the amounts we charge a Merchant for accepting the Card. These percentages would be applied to the face amount on each American Express sale and the same rate would apply for all card types, including rewards and Corporate Cards.||varies by business type.|
|Monthly Flat Fee||Instead of a Discount Rate, this amount would be charged per month. We will automatically deduct this amount from your bank account and you will remain eligible for this plan as long as you don't exceed the conditions associated with your plan.||$7.95 per month.|
|Gateway Fee||If a Merchant or its Covered Parties route Authorization requests to American Express through the Visa or MasterCard processing gateways, Visa and MasterCard charge us fees for these Authorizations. We will pass their fees, which may vary depending on Authorization volume and other factors, on to the Merchant for all of the Authorizations that are routed through their gateways in a given month.||varies|
|Non-swiped Transaction Fee||A fee applied to any Charge for which we did not receive both (i) the full Magnetic Stripe, and (ii) the indicator as to whether the Card was swiped.||0.30% of the face amount of each non-swiped Charge.|
|Voice Authorization Fee||If the Merchan's Point of Sale System is unable to reach our computer Authorization system for Authorization, or the Merchant does not have such Point of Sale Systems, the Merchant must request Authorization for all Charges by calling American Express. We may charge the Merchant a fee for each Charge for which it requests Authorization by telephone.||$0.65 per Charge.|
|Check Fee||A fee may be assessed for each check that we issue/create.||$1.50 per check.|
|Inbound Fee||A fee applied on any Charge made using a Card that was issued outside the United States. (As used herein, the United States does not include Puerto Rico, the U.S. Virgin Islands, and other U.S. territories and possessions.)||0.40% of the face amount of the Charge. Effective April 1, 2012|
|Monthly Gross Pay Fee||If the Merchant enrolls in the monthly gross pay option, we may charge this fee if the amount of Charges exceeds a threshold amount we determine.||0.03% of the face amount of the Charge.|
|Paper Statement Fee||If the Merchant chooses to receive paper statements, we may charge a fee for each paper statement.||$7.95 per statement.|
|Technical Specifications Non-compliance Fee||A fee applied to any Transaction submitted to us that does not comply with the Technical Specifications. This fee applies to Transactions submitted via both a Processor and direct to American Express.||$0.10-$1.00 per Transaction.|
|A fee assessed to a Merchant in respect of a Data Incident.|| Not to exceed
$100,000 per Data Incident.
|Depending on the Merchant's Transaction volume, the Merchant has reporting obligations under our Data Security Operating Policy including providing Validation Documentation to us. The Merchant may be assessed non-validation fees if it fails to provide the mandatory Validation Documentation. See chapter 8 of the Merchant Reference Guide. Non-validation fees are cumulative.|| Fees vary;
|Data Pass Violation Fee|| As described in section 4.3 of the Merchant Reference Guide, the Transaction Data collected to facilitate a Charge must have been provided directly by the Cardmember. If a Merchant or Establishment violates this requirement, we may assess the Merchant data pass violation fees.
At the time we determine the Merchant has violated this provision, we will send a warning and then final notice specifying a date for correction and assess a fee based on the gross Charge volume at the Merchant's highest Merchant Account level over a rolling 12-month period.
|$2,500 to $50,000 (depending on the Merchant's Charge volume)|
|Excessive Dispute Fee||If, in any three (3) months, the monthly ratio of Disputed Charges to gross Charges (less Credits) at an Establishment exceeds three (3) percent, and thereafter in any month when the Establishment again exceeds this ratio, we may charge the Merchant a fee for each Disputed Charge in excess of this ratio.||$5 per Disputed Charge if the Merchant is in the Immediate Chargeback Program, or $15 per Disputed Charge if the Merchant is not in the Immediate Chargeback Program.|
|American Express Merchant Regulations Fee||A fee for each copy of the Merchant Regulations the Merchant orders from us.||paper copy $22.50; CD-ROM $8.00 (plus shipping and handling)|