American Express

Intro
Started as an express mail company as early as 1850, American Express introduced its Traveler’s Checks already in 1891 with the aim to help Americans travelling around Europe. To further expand company’s presence in the financial industry, supported by various bank acquisitions, Amex introduced its first charge card in 1958. Almost 30 years later American Express introduced its first credit card product that did not have to be paid in full at the end of the month. To broaden card acceptance Amex dropped its focus on exclusivity, as a result at the end of 2017 the company had 112.8 million cards in place.
Amex SafeKey
Amex SafeKey leverages 3-D Secure to detect and reduce online fraud by adding an extra layer of security when consumers shop online.
Countries & currencies
Supported countries
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Albania
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Algeria
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American Samoa
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Andorra
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Angola
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Australia
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Austria
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Belgium
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Benin
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Bolivia
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Bonaire, Saba and Sint Eustatius
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Bouvet Island
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Brazil
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Bulgaria
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Burkina Faso
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Canada
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China
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Christmas Island
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Cocos (Keeling) Islands
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Cook Islands
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Croatia
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Cyprus
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Czech Republic
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Denmark
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Ecuador
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Egypt
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Estonia
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Faroe Islands
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Fiji
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Finland
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France
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French Guiana
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French Southern Territories
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Germany
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Greece
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Greenland
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Guadeloupe
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Guam
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Guernsey
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Heard Island and McDonald Islands
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Hong Kong
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Hungary
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Iceland
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Ireland
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Isle of Man
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Israel
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Italy
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Japan
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Jersey
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Jordan
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Kazakhstan
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Kenya
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Kiribati
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Kuwait
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Latvia
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Lebanon
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Liechtenstein
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Lithuania
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Luxembourg
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Macao
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Malaysia
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Mali
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Malta
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Marshall Islands
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Martinique
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Mauritania
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Mauritius
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Mayotte
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Mexico
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Micronesia
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Moldova
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Monaco
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Mongolia
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Montenegro
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Morocco
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Namibia
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Nauru
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Nepal
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Netherlands Antilles
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Netherlands
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New Zealand
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Niger
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Niue
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Norfolk Island
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Northern Mariana Islands
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Norway
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Oman
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Palau
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Papua New Guinea
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Pitcairn
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Poland
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Portugal
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Puerto Rico
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Qatar
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Réunion
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Romania
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Russia
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Saint Martin
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Saint Pierre and Miquelon
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San Marino
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Saudi Arabia
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Senegal
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Seychelles
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Sierra Leone
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Singapore
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Sint Maarten
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Slovakia
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Slovenia
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South Georgia and the South Sandwich Islands
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South Korea
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Spain
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Sri Lanka
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Sudan
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Svalbard and Jan Mayen
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Sweden
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Switzerland
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Taiwan
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Tanzania
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Togo
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Tokelau
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Tunisia
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Turkey
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Turks and Caicos Islands
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Tuvalu
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Ukraine
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United Arab Emirates
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United Kingdom
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United States Minor Outlying Islands
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United States
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Vanuatu
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Vatican City
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Virgin Islands (British)
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Virgin Islands (U.S.)
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Western Sahara
Supported currencies
- Albanian lek (ALL)
- Algerian dinar (DZD)
- Australian dollar (AUD)
- Boliviano (BOB)
- Bulgarian lev (BGN)
- Canadian dollar (CAD)
- CFA franc BCEAO (XOF)
- Chinese yuan (CNY)
- Croatian kuna (HRK)
- Czech koruna (CZK)
- Danish krone (DKK)
- Egyptian pound (EGP)
- Euro (EUR)
- Fiji dollar (FJD)
- Hong Kong dollar (HKD)
- Hungarian forint (HUF)
- Israeli new shekel (ILS)
- Japanese yen (JPY)
- Jordanian dinar (JOD)
- Kazakhstani tenge (KZT)
- Kenyan shilling (KES)
- Kuwaiti dinar (KWD)
- Lebanese pound (LBP)
- Macanese pataca (MOP)
- Malaysian ringgit (MYR)
- Mauritanian ouguiya (MRO)
- Mauritian rupee (MUR)
- Mexican peso (MXN)
- Moldovan leu (MDL)
- Mongolian tugrik (MNT)
- Moroccan dirham (MAD)
- Nepalese rupee (NPR)
- Netherlands Antillean guilder (ANG)
- New Taiwan dollar (TWD)
- New Zealand dollar (NZD)
- Norwegian krone (NOK)
- Omani rial (OMR)
- Papua New Guinean kina (PGK)
- Polish zloty (PLN)
- Pound sterling (GBP)
- Qatari riyal (QAR)
- Romanian new leu (RON)
- Russian ruble (RUB)
- Saudi riyal (SAR)
- Seychelles rupee (SCR)
- Singapore dollar (SGD)
- South Korean won (KRW)
- Sri Lankan rupee (LKR)
- Swedish krona/kronor (SEK)
- Swiss franc (CHF)
- Tanzanian shilling (TZS)
- Tunisian dinar (TND)
- Turkish lira (TRY)
- Ukrainian hryvnia (UAH)
- United Arab Emirates dirham (AED)
- United States dollar (USD)
- Vanuatu vatu (VUV)
Integration
We offer this payment methods for the following integration modes. Learn in our dedicated guides about their individual differences:
Find a high level overview in the "Process flows" chapter.
Depending on the integration mode, differences apply:
Hosted Checkout Page
Add the following properties to a standard CreateHostedCheckout request:
{
"HostedCheckoutSpecificInput": {
"ReturnUrl": "https://yourReturnUrl.com"
},
"Order": {
"AmountOfMoney": {
"Amount": 100,
"CurrencyCode": "EUR"
}
}
}
Properties | Remarks |
---|---|
hostedCheckoutSpecificInput.returnURL |
The URL we redirect your customers to after the payment has been finalised |
order.amountOfMoney |
amount: The gross amount you want to charge for this order |
Find detailed information about this object and its properties in our HostedCheckoutAPI
Hosted Tokenization Page
Add the following properties to a standard Create Payment request (including mandatory 3-D Secure properties) after you have tokenised the card:
{
"CardPaymentMethodSpecificInput": {
"Token": "tokenId",
"ThreeDSecure": {
"RedirectionData": {
"ReturnUrl": "https://yourRedirectionUrl.com"
}
}
},
"Order": {
"AmountOfMoney": {
"Amount": 100,
"CurrencyCode": "EUR"
},
"Customer": {
"Device": {
"AcceptHeader":
"text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,*/*;q=0.8,application/signed-exchange;v=b3",
"Locale": "en_EN",
"TimezoneOffsetUtcMinutes": -180,
"UserAgent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/75.0.3770.142 Safari/537.36",
"Browserdata": {
"ColorDepth": 24,
"JavaScriptEnabled": false,
"ScreenHeight": "1080",
"ScreenWidth": "1920"
}
}
}
}
}
Properties | Remarks |
---|---|
cardPaymentMethodSpecificInput.token |
Token: The tokenised credit card credentials you have received by tokenising the credentials/getting the token. Learn more in our dedicated Hosted Tokenization Page guide |
cardPaymentMethodSpecificInput.threeDSecure |
returnURL: The URL we redirect your customers to after the payment has been finalised |
order.amountOfMoney |
amount: The gross amount you want to charge for this order |
customer.device |
Minimum properties to comply with SCA for 3-D Secure authentication Check our dedicated guide to learn how to request 3-D Secure correctly and our API reference for more information about the properties. |
Find detailed information about this object and its properties in our HostedTokenizationAPI/ CreatePaymentAPI
Server-to-server
Add the following properties to a standard CreatePayment request (including mandatory 3-D Secure properties):
{
"CardPaymentMethodSpecificInput": {
"PaymentProductId": XXX,
"SkipAuthentication": false,
"Card": {
"CardholderName": "John Doe",
"CardNumber": "0000000000000000",
"Cvv": 123,
"ExpiryDate": 1236
},
"ThreeDSecure": {
"RedirectionData": {
"ReturnUrl": "https://yourRedirectionUrl.com"
}
}
},
"Order": {
"AmountOfMoney": {
"Amount": 100,
"CurrencyCode": "EUR"
},
"Customer": {
"Device": {
"AcceptHeader": "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,*/*;q=0.8,application/signed-exchange;v=b3",
"Locale": "en_EN",
"TimezoneOffsetUtcMinutes": -180,
"UserAgent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/75.0.3770.142 Safari/537.36",
"Browserdata": {
"ColorDepth": 24,
"JavaScriptEnabled": false,
"ScreenHeight": "1080",
"ScreenWidth": "1920"
}
}
}
}
}
Properties | Remarks |
---|---|
cardPaymentMethodSpecificInput.paymentProductId cardPaymentMethodSpecificInput.card cardPaymentMethodSpecificInput.ThreeDSecure |
paymentProductId: The numeric identifier of the payment method on our platform. Find this id in the "Overview" chapter
returnURL: The URL we redirect your customers to after the payment has been finalised |
order.amountOfMoney |
amount: The gross amount you want to charge for this order |
customer.device |
Minimum properties to comply with SCA for 3-D Secure authentication Check our dedicated guide to learn how to request 3-D Secure correctly and our API reference for more information about the properties. |
Find detailed information about this object and its properties in our CreatePaymentAPI
Process flows
We offer this payment method for all our integration modes. Regardless of the mode you choose, the flow follows some basic steps as described below. Learn in our dedicated guides about the individual differences
- Your customers finalise an order in your shop and select this payment method
- You send a CreateHostedCheckout/CreatePayment request to our platform. Depending on your integration mode, differences apply. Check out the “Integration” chapter to find examples for each mode
- Our platform sends you a response with instructions for the next steps of the flow
- Your customers provide their credit card number and are redirected to their issuer for 3-D Secure authentication
- Our system receives the 3-D authentication result from the issuer
- We process the transaction and receive the result from the acquirer
- We redirect your customer to your returnUrl
- You request the transaction result from our platform via GetPayment or receive the result via webhooks
- If the transaction was successful, you can deliver the goods / service

Testing
Refer to our Test cases for test data and detailed instructions
Make sure to use the right endpoint and switch back to the live URL as soon as you have finished your tests