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INFORMATION2
PRODUCTS
NEED BASED CONTENT
Do more business
Grow your business with valuable customers, convenient customer service and actionable insights.
More Customers
Your best customer could look like our Cardmember
They earn more
32% of Canadian American Express Cardmembers report an annual household income of $100,000 or more, relative to 23% of Canadian Non-Cardmembers who reported such a household income1
They spend more
In 2015, the average American Express Card transaction was $142 CDN versus the average Non-American Express credit or charge card transaction of $95 CDN2
They're Influencers
40% of Canadian American Express Cardmembers report they agree that they are among the very first of their friends and colleagues to try new products, relative to 27% of Canadian Non-Cardmembers3
More Service
Convenient management
Easily manage your merchant account online and get a quick overview of:
·Pending and posted payments
·Daily transactions
·Spending trends
Register your account online today.
Get started
Clear and simple pricing
Our merchant discount rates are transparent, simple and consistent across all of our credit and charge card products. Rates are generally based on a merchant’s industry, annual charge volume, transaction channel and, in some cases, transaction size. Rates for Prepaid Cards and Corporate Purchasing Cards are typically lower.4
For the most up-to-date information on fees, please check the
American Express Reference Guide - Canada.
Flexible payment options
We offer two payment plans so you can decide what works best for your business:
Net Pay
Gross Pay
Fees are deducted up front per transaction
Fees are deducted at the end of each billing cycle, making it easier to reconcile your American Express payments.

Contact us at 1-800-268-9877 for more information on how to enroll in Gross pay.
More Insights
We have access that others don’t
Direct relationships with both Cardmembers and merchants enable us to offer valuable insights to your business.
Customer insights
View data based on Cardmember activity that’s easy to understand through your merchant account online.
Ready to do more business?
Apply by phone
877-255-4334
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Footnotes
1Source: American Express commissioned internet panel survey conducted in December 2015-January 2016 based on purchases made in the 6 months prior to the survey. Definition of American Express® Cardmembers: Respondents who reported that they have an American Express Card and that they used that card to make purchases in the prior 6 months. Definition of Non-Cardmembers: Respondents who reported that they do not have any type of American Express Card and that they used a Visa or MasterCard credit card to make purchases in the prior 6 months.
2Source: The Nilson Report # 1,083 (March 2016). Transaction size derived as Canada year-end purchase volume divided by year-end purchase transactions. Average Non-American Express transaction equals $74 US (95 CAD), includes Visa and MasterCard credit and charge cards, and excludes Interac and debit volume and transactions.
3Source: American Express commissioned internet panel survey conducted in December 2015-January 2016 based on online retail purchases made in the 6 months prior to the survey. Definition of American Express® CardMembers: Respondents who reported that they have an American Express Card and that they used that card to make online retail purchases in the prior 6 months. Definition of Non-CardMembers: Respondents who reported that they do not have any type of American Express Card and that they used Visa, MasterCard, debit cards, payment services, or any other payment method to make online retail purchases in the prior 6 months.
The merchant receives a lower discount rate for Prepaid Cards and a reduction in the merchant discount rate for Corporate Purchasing Cards when the merchant provides enhanced transaction data.
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