Amex for Brazil
American Express (Amex) is the world's mainstream payment method, accepted in more than 130 countries, with more than 100 million bank cards already in use. Since the average Amex cardholder spends 3 to 4 times as much as Visa and Mastercard cardholders, this has led to a lot of interest in this consumer group from mid- to high-end brands.
Properties
The following table lists the product properties supported by Amex:
Acquirer | AlipaySG | |
Availability | Acquiring region | Singapore, Hong Kong, Australia |
User region | Brazil | |
Product features | Payment type | CARD |
Card brand | Amex | |
Payment flow | Redirect | |
Payment completion | Real-time | |
Currency | Supported currencies | BRL |
Settlement currency | USD, HKD, EUR, SGD | |
Other | Settlement region | |
Settlement cycle | T+4 | |
3D |
| |
Authorization validity period | 7 days | |
Minimum transaction amount | 0.01 BRL | |
Max transaction amount | 40000 BRL | |
Cashier payment |
| |
Auto debit |
| |
Multiple partial captures |
| |
Partial capture |
| |
Overdraft capture |
| |
Refunds |
| |
Partial refunds |
| |
Chargeback |
| |
Refund period | 180 days | |
Installment |
|
User experience for AlipaySG
This section describes the user experience of paying with Amex in different scenarios:
No installments
Payment experience: Brazilian credit card
No installment|merchant is PCI-qualified
Figure 1. Payment process with Amex (without installments and PCI-qualified)
Payment experience: Brazilian credit card
No installment|merchant is not PCI-qualified (no card binding)
Figure 2. Payment process with Amex (without installments and not PCI-qualified)
Payment experience: Brazilian credit card
No installment|merchant is not PCI-qualified (card binding: first-time payment)
Figure 3. Payment process for the first-time payment (without installments and not PCI-qualified)
Payment experience: Brazilian credit card
No installment|merchant is not PCI-qualified (card binding: second-time payment)
Figure 4. Payment process for the second-time payment (without installments and not PCI-qualified)
Installments
Payment experience: Brazilian credit card
Installments|merchant is PCI-qualified
Figure 5. Payment process with Amex (with installments and PCI-qualified)
Payment experience: Brazilian credit card
Installments|merchant is not PCI-qualified (no card binding)
Figure 6. Payment process with Amex (with installments and not PCI-qualified)
Payment experience: Brazilian credit card
Installments|merchant is not PCI-qualified (card binding: first-time payment)
Figure 7. Payment process for the first-time payment (with installments and not PCI-qualified)
Payment experience: Brazilian credit card
Installments|merchant is not PCI-qualified (card binding: second-time payment)
Figure 8. Payment process for the second-time payment (with installments and not PCI-qualified)