# American Express

> American Express is a leading American financial services corporation, specializing in payment cards.

 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 {#3fZhB}

 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. |  |  |  |  |
| **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 capture** | ✔️ | ✔️ | ✔️ | ❌ |  |
| **Overdraft capture** | ❌ | ❌ | ❌ | ❌ |  |
| **Refund** | ✔️ | ✔️ | ✔️ | ✔️ |  |
| **Partial refund** | ✔️ | ✔️ | ✔️ | ✔️    <sup>[1]</sup> |  |
| **Chargeback/Dispute** | ✔️ | ✔️ | ✔️ | ✔️ |  |
| **Refund period** | 365 days | 365 days | 365 days | 180 days |  |
| **Special payment element** | Refer to   [Special payment elements for Cards](https://docs.antom.com/ac/pm/enumeration_values.md#uAnSf)   for more details. |  |  |  |  |

 [1] Partial refund is conditional and requires additional approval to be enabled.

# User experience {#eTt2B}

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

## API integration {#wRuah}

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

<!-- TabGroup -->

**Tab: PCI qualified**

This section shows the difference between the first-time and subsequent payments under the PCI qualified.

<!-- TabGroup -->

**Tab: First-time payment**

This section shows the difference between Web and app when making the first-time payment under the PCI qualified.

<!-- TabGroup -->

**Tab: Web**

![image.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/1e328637-d4a6-4e15-8cf5-cde6863f2572.png)

**Tab: App**

![8.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/57249650-86b9-4270-9f1a-c67e7bb0570e.png)

<!-- /TabGroup -->

**Tab: Subsequent payments**

This section shows the difference between Web and app when making the subsequent payments under the PCI qualified.

<!-- TabGroup -->

**Tab: Web**

![9.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/0ae93912-eb7a-4904-9212-63b6947b60c0.png)

**Tab: App**

![10.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/56874b8b-aae9-4fc4-89da-39d5e513fdf3.png)

<!-- /TabGroup -->

<!-- /TabGroup -->

**Tab: Non-PCI qualified**

This section shows the difference between the first-time and subsequent payments under the non-PCI qualified.

<!-- TabGroup -->

**Tab: First-time payment**

This section shows the difference between Web and app when making the first-time payment under the non-PCI qualified.

<!-- TabGroup -->

**Tab: Web**

![11.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/53116755-542c-4368-b98a-ef0487c22eab.png)

**Tab: App**

![12.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/b3063df0-e77d-4f50-a204-a36d34c90069.png)

<!-- /TabGroup -->

**Tab: Subsequent payments**

This section shows the difference between Web and app when making the subsequent payments under the non-PCI qualified.

<!-- TabGroup -->

**Tab: Web**

![13.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/43ea86f7-a7a5-481e-a53f-0f638c580d28.png)

**Tab: App**

![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2026/png/09c5c3e4-3296-47db-9788-6550f7443706.png)

<!-- /TabGroup -->

<!-- /TabGroup -->

<!-- /TabGroup -->

## SDK integration {#ZufV0}

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

<!-- TabGroup -->

**Tab: First-time payment**

This section shows the difference between Web and app when making the first-time payment under the SDK integration.

<!-- TabGroup -->

**Tab: Web**

![15.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/afd2b280-2ccd-4947-b936-da3867f7ad18.png)

**Tab: App**

![16.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/0ff2974a-dc41-4658-97b4-9932c14310c5.png)

<!-- /TabGroup -->

**Tab: Subsequent payments**

This section shows the difference between Web and app when making the subsequent payments under the SDK integration.

<!-- TabGroup -->

**Tab: Web**

![17.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/58002f34-cce5-4eb1-a502-023dc90f4c44.png)

**Tab: App**

![18.png](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/4e5776cd-1a8e-4eec-bfa4-f9442540b9f5.png)

<!-- /TabGroup -->

<!-- /TabGroup -->

# Supported online payment integrations {#rRkYR}

 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](https://docs.antom.com/ac/cashierpay/cardcollant.md) ✔️      [Server-to-server API-only](https://docs.antom.com/ac/cashierpay/cardinfocallmerchant.md) ✔️      [Hosted Checkout Page](https://docs.antom.com/ac/cashierpay/HOSTEDCKP.md) ✔️      [Embedded Checkout Page](https://docs.antom.com/ac/cashierpay/embeddedckp.md) ✔️      [Web Element](https://docs.antom.com/ac/cashierpay/element.md) ✔️      [Mobile Element](https://docs.antom.com/ac/cashierpay/element.md) ✔️    Payment links |
| Tokenized Payment | ❌ |
| Subscription Payment | ❌ |
| EasySafePay | ❌ |
| Scan to Link | ❌ |