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The Complete Guide To American Express Interchange Fees And Processing Rates

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Melissa Johnson

Melissa Johnson

Melissa Johnson has been writing about payment processing and mobile payments since 2014, and has been quoted in articles for Credit Karma and The Next Web, among others. She graduated from The University of Kansas in 2010 with bachelor's degrees in English and journalism.
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    Timothy D.Krause

    So Amex over charged my account by double charging me for about a year now they say that the fee that they where suppose to be charging was to low and they are suppose to refund 20K now they come back and say they will only refund 12k and no interest is this right or what should I do

      Jessica Dinsmore

      Hi Timothy,

      This sounds very frustrating! Unfortunately, the best thing you can do is look over your statements for the past year, reread the contract, and ask Amex to explain why the discrepancy, and have them point to where in the contract it says they can do that. I hope this helps; best of luck to you!


        This is very Helpful, thank you. To stay within the lower tiers, can a merchant, for example, charge 2 separate $600 tickets instead of one $1200 ticket and stay within the lower pricing tier (if $1k is where high fees start) since it is based on ticket size? Or does Amex notice that and apply the fee to total charges on a single card in one day?

          Melissa Johnson

          Hi, Mark!

          The Amex merchant operating guide (MOG) include a provision that says you cannot split a charge and process it on the same card multiple times. (You can, however, split the charge and use different cards if that’s what the customer wants). Generally speaking, any processor is going to get a bit grumpy if you try anything underhanded to lower your processing fees, and it could lead to an account termination.

          Specifically, the MOG says this:

          “If the Cardmember wants to use different Cards for payment of a purchase, you may create a separate Charge Record for each Card used. However, if the Cardmember is using a single Card for payment of a purchase, you must not divide the purchase into more than one Charge, nor create more than one Charge Record.”

          It’s section 4.6, page 22.

          Hope that helps!


            Thanks! Very helpful.

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