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About Us

American Express Australia Limited holds an Australian Financial Services Licence number 291313 and an Australian Credit Licence 291313. The company is an issuer of American Express Cards, provides merchant card transaction acquiring facilities and arranges insurance services issued by various third parties. 

American Express International Inc. holds an Australian Financial Services Licence number 237996 with a principal place of business at 12 Shelley Street, Sydney, NSW. The company provides travel services, foreign exchange and international payments services and travel insurance. 

American Express Wholesale Currency Services Pty Ltd operates wholesale banknote distribution services. 

This web site is published in Australia for residents of Australia and relates only to products issued by American Express in Australia. If you have any American Express product that is not issued by an American Express business located in Australia, please contact the office of American Express, or their partner, that issued the product. 

The information and opinions on this site provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. It is given for informational purposes only. 

Financial Services Guides (FSG) and Product Disclosure Statements (PDS) for regulated financial services and products are available on request. The information contained in this web site has been prepared without taking into account your objectives, financial situation or needs. You should read the PDS for the financial service or product and consider the appropriateness of the product(s) in relation to your individual requirements. 

Do my customers have American Express Cards?
Yes. There is a large and increasingly diverse range of people who carry our American Express Cards, including consumers, small businesses and corporate. American Express Card Members spend 55% more on average than any than any other credit card holders. We also have partnerships with Australia’s major banks and major retailers.
My competitors don't accept. Why should I?
Accepting American Express is good for business. American Express Card Members seek out businesses where they can use their American Express Cards and are likely to spend more, and be more loyal to those businesses that warmly accept the American Express Card.
I have other business locations that I would like to accept American Express Cards at. What do I need to do?
Fill in our short enquiry form. Alternatively, you can call us on 1300 363 614 (Monday-Friday 8.00 am-6.00 pm AEST/AEDT).
How quickly will I be paid for my American Express transactions?
For transactions made before the submission cut-off times, you will usually receive payment the next business day. If you bank with ANZ, CBA, NAB or Westpac, we will pay you by 9 am on the day your payment is due. To find out more about when and how you will be paid, visit the How we pay you page.
My fees are deducted each day from my payment, other Card schemes don't.
Some Merchants prefer this option as we are not regularly deducting fees from your bank account. Call us if you would like to discuss being paid in full, similar to other schemes.
How will you help me attract American Express Card Members?
45% of American Express Card Members look for signs on the website, at the door or inside the store indicating that American Express is accepted there. We also offer a variety of products and services to help you attract more Card Members including, in some cases, marketing support programs
How do I let you know about changes to my details?
You can update most details through your online Merchant account. You can also call us on 1300 363 614 (Monday-Friday 8.00 am-6.00 pm AEST/AEDT).
How do I ensure my terminal accepts American Express Cards?
Firstly, you must have an account with us. Once set up, you can call your terminal provider and request that your terminal be programmed with your American Express Merchant number.
My terminal is asking for authorisation of a transaction. Who do I call?
Call us on 1300 363 614 (Monday-Friday, 8.00 am-6.00 pm AEST/AEDT). They'll need your Merchant number, the Card account number, and the amount of the transaction.
My terminal is displaying a fault message. Who do I call?
Call us on 1300 363 614 (Monday to Friday, 8.00 am to 6.00 pm AEST/AEDT). They'll need your Merchant number, the Card Account Number, and the amount of transaction.
Someone wants to pay with the JCB credit card. What do I do?
Since your terminal is owned by your banking partner, you should contact them directly for any issues with your terminal.
In what situations would customers not have to use a PIN?
Contact-less payments under $100 in as well as low value payments (under $35) at some Merchants. Most transactions from unattended terminals (e.g. vending machines and parking metres). Customers using a mobile payment device. Tourists or anyone with a non-Australian domestic issued Card may not require a PIN. PIN is only used when a customer is physically present at the point of sale during the purchase (not for online or over-the-phone purchases).