American Express

2026-07-27 16:56

American Express (Amex) is a leading American bank holding company and multinational financial services corporation, specializing in payment cards. Amex had a 4.61% worldwide market share by payment volume in 2022, compared to 38.73% for Visa and 24% for Mastercard. Amex credit cards are widely accepted at 99% of U.S. merchants that accept credit cards.

Properties

The properties of Amex are shown in the following table:

Availability	Acquirer	AntomUS	AntomSG	AntomHK	AntomJP
	Merchant entity location	US	SG	HK	JP
	Buyer country/region	Global	Global	Global	Global
Product features	Payment type	Card	Card	Card	Card
	Card brand	American Express	American Express	American Express	American Express
	Card type	No limit	No limit	No limit	No limit
	Processing currency	USD	USD, SGD	HKD	JPY
Others	3D	✔️	✔️	✔️	✔️
	Authorization validity period	7 days. To reduce costs, we recommend that you initiate a request to capture or cancel the authorization within 3 days.			7 days.[1] To reduce costs, we recommend that you initiate a request to capture or cancel the authorization within 3 days.
	Minimum payment amount	The smallest unit of the currency. (That is, if the currency is USD, the minimum is 1 cent)			1 JPY
	Maximum payment amount	9,999,999.99 USD	Unlimited	Unlimited	Unlimited
	Recurring payments (MIT)	✔️	✔️	✔️	❌
	Multiple partial captures	❌	❌	❌	❌
	Partial captures	✔️	✔️	✔️	✔️[2]
	Overdraft capture	❌	❌	❌	❌
	Refund	✔️	✔️	✔️	✔️
	Partial refund	✔️	✔️	✔️	✔️[3]
	Chargeback/Dispute	✔️	✔️	✔️	✔️
	Refund period	365 days	365 days	365 days	365 days
	Special payment element	Refer to Special payment elements for Cards for more details.

[1] Typically 7 days. If conditions are met, the maximum period can be up to 30 days. [2] Each transaction can be captured only once. [3] In certain scenarios, partial refund is conditional and requires additional approval to be enabled.

Installment

The installment properties of Amex are shown in the following table:

Availability	Acquirer	AntomJP
	Merchant entity location	JP
	Buyer country/region	Global
Product features	Payment type	Card
	Card brand	Visa, Mastercard, JCB, American Express
	Card type	Credit card
	Processing currency	JPY
	Default timeout	14 minutes
Other	3D	✔️
	Authorization validity period	7 days[1] To reduce costs, we recommend that you initiate a request to capture or cancel the authorization within 3 days.
	Minimum payment amount	1 JPY
	Maximum payment amount	No limit
	Recurring payments (MIT)	❌
	Partial captures	✔️[2]
	Refund	✔️
	Partial refunds	✔️[3]
	Refund period	365 days
	Chargeback/Dispute	✔️
	Advanced AVS check	❌
	Installment	✔️
	Installment interest payer	Users
	Interest free plan	❌
	Installment supported plan	The standard number of installments are 3, 5, 6, 10, 12, 15, 18, 20, and 24 months.

User experience

This section shows the user experience of Amex in different scenarios:

API integration

This section shows the difference in user experience between those PCI and non-PCI qualified under the API integration.

PCI qualified

Non-PCI qualified

SDK integration

This section shows the difference between the first-time and subsequent payments under the SDK integration.

First-time payment

Subsequent payments

Supported online payment integrations

Antom offers a range of integration options tailored to each payment method. Each payment method may support different online payment integration options, allowing for flexibility based on your business requirements. The table below provides detailed information about the specific integrations available for each payment method:

Supported online payments	Supported integrations
One-time Payments	✔️ Hosted API-only ✔️ Server-to-server API-only ✔️ Hosted Checkout Page ✔️ Embedded Checkout Page ✔️ Web Element ✔️ Mobile Element ✔️ Payment links
Tokenized Payment	❌
Subscription Payment	❌
EasySafePay	❌
Scan to Link	❌

Integration considerations

Installments are supported under AntomJP. For integration details, refer to Installment payments.