PaymentClub Opt Blue
Interchange Rates

American Express Payment Processing Options for Businesses

Amex 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’s 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.

PaymentClub OptBlue® Interchange Rates

Industry

Transaction Size

Rate

AMEX RETAIL < $75 1.60 % + 10¢
AMEX RETAIL < $1,000 1.95 % + 10¢
AMEX RETAIL < $1,000 2.40 % + 10¢
AMEX SERVICES < $400 1.60 % + 10¢
AMEX SERVICES < $3,000 1.95 % + 10¢
AMEX SERVICES > $3,000 2.40 % + 10¢
AMEX RESTAURANT < $25 1.85 % + 10¢
AMEX RESTAURANT < $150 2.45 % + 10¢
AMEX RESTAURANT > $150 2.75 % + 10¢
AMEX CATERERS < $25 1.85 % + 10¢
AMEX CATERERS < $150 2.45 % + 10¢
AMEX CATERERS > $150 2.75 % + 10¢
AMEX MAIL ORDER & INTERN < $150 1.70 % + 10¢
AMEX MAIL ORDER & INTERN < $3,000 2.05 % + 10¢
AMEX MAIL ORDER & INTERN > $3,000 2.50 % + 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 1.55 % + 10¢
AMEX B2B/WHOLESALE < $7,500 1.80 % + 10¢
AMEX B2B/WHOLESALE > $7,500 2.25 % + 10¢
AMEX LODGING < $100 2.25 % + 10¢
AMEX LODGING < $1,000 2.60 % + 10¢
AMEX LODGING > $1,000 3.00 % + 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¢

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%

PaymentClub Pricing Plans

PaymentClub is dedicated to providng 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. Your first month with PaymentClub is FREE. No risk, no upfront fees, and no cancelation fees.

See Pricing

Calculate Your Monthly Costs

*Total Monthly Charges Including Card Brand Fees

$20.95

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

Would you like to chat with a payments expert?

Contact Sales

PaymentClub BLOG

Catch up on all the latest payment processor news and insights surrounding Fintech, payments, and business solutions.

retail payment processing
Blogs

How To Streamline Retail Payment Processing | Payment Club

How To Streamline Retail Payment Processing and Other Small Business Expenses Whether you have a great idea and can't wait to start your own business,…
online payment systems for small business
Blogs

Online Payment Systems for a Small Business | PaymentClub

Setting Up Online Payment Systems for Your Small Business: Beginner’s Guide As the owner of a small business, you already know how important the first…
Why Every Business Should Accept Credit
Blogs

Why Every Business Should Accept Credit | PaymentClub

8 Reasons Your Business Needs To Accept Credit Credit cards became popular with consumers in the 1980s and 1990s, but businesses were initially hesitant to…