American Express Merchant Reference Guide - U.S.

1 American Express Merchant Reference Guide - 2019 Copyright 2008-2019 American Express Travel Related Services Company, Inc. All rights of contentsThis document shall not be reproduced in any form without the Express priorApril 20193written consent of American Express Travel Related Services Company, about American Express .. about the Reference Guide .. organization of the Reference Guide .. publishing schedule .. becoming an American Express Merchant .. 9doing business with American Express .. introduction .. the American Express Merchant Merchant information.

2 Use of third compliance with the technical specifications .. call monitoring .. permitted uses .. Cardmember offers .. marketing programs ..12 Card acceptance .. accepting the Card .. treatment of the American Express prohibited uses of the Card .. treatment of American Express Cardmember 17table of contentsThis document shall not be reproduced in any form without the Express priorApril 20194written consent of American Express Travel Related Services Company, the many types of transactions.

3 Transaction cycle .. completing a transaction at point of processing an in-person customer activated terminals .. processing a Card not present charge .. processing a digital wallet payment .. return and cancellation policies .. corporate purchasing Card charges .. advance payment charges .. aggregated delayed delivery charges .. recurring billing charges .. processing prepaid Cards .. processing travelers/gift cheques.

4 24authorization .. introduction .. transaction cycle .. the purpose of authorization possible authorization responses .. obtaining an electronic authorization .. obtaining a voice authorization .. Card identification (CID) number .. authorization reversal .. authorization time floor 28table of contentsThis document shall not be reproduced in any form without the Express priorApril 20195written consent of American Express Travel Related Services Company, .. introduction.

5 Transaction cycle .. purpose of submission submission requirements electronic .. submission requirements paper .. how to submit .. transaction cycle .. settlement discount/discount rate .. method of payment .. speed of payment .. payment options .. reconciliation options .. payment errors or omissions .. 34protecting Cardmember data security operating policy.

6 Standards for protection of Cardmember data incident management obligations .. indemnity obligations for a data periodic validation of Merchant 37table of contentsThis document shall not be reproduced in any form without the Express priorApril 20196written consent of American Express Travel Related Services Company, prevention .. introduction .. transaction cycle .. strategies for deterring fraud .. Card acceptance policies .. Card security recognizing suspicious activity.

7 Fraud mitigation tools .. verification services .. American Express SafeKey .. 41risk introduction .. prohibited merchants .. monitoring .. consumer protection monitoring program .. 43chargebacks and inquiries .. introduction .. transaction cycle .. disputed charge process .. requesting a chargeback resubmission of disputed compelling evidence .. substitute charge records .. deadline for responding .. Cardmember re-disputes.

8 Chargeback and inquiry monitoring .. how we chargeback .. chargeback ways to receive chargebacks and response 47table of contentsThis document shall not be reproduced in any form without the Express priorApril 20197written consent of American Express Travel Related Services Company, fees .. introduction .. types of fees .. Card acceptance discount fees .. authorization submission and settlement fees .. data security fees .. data pass violation fee .. excessive Chargeback fee.

9 American Express Merchant Regulations 53glossary ..54contentsintroductionChapter ? Merchant Reference Guide - American the Reference an American Express of the Reference guide1introductionThis document shall not be reproduced in any form without the Express priorApril 20199written consent of American Express Travel Related Services Company, Reference Guide - American ExpressAmerican Express was established more than 150 years ago and has undergone remarkable changes over the years. One characteristic has remained constant, however: our commitment to the core values of our founders.

10 American Express is guided by a value system that is steadfastly focused on doing business in more than 130 countries around the globe with trust and integrity, delivering quality products and services to our valued a world-recognized brand leader, we take our commitment to Merchants seriously. This Guide is designed to provide information about American Express and how accepting the American Express Card can benefit the Reference guideWe are pleased to provide the American Express Merchant Reference Guide which describes in general American Express standard policies and procedures for Card is a general review of information already distributed to Merchants in their Agreements with American Express governing acceptance of the Card; it does not change the terms and conditions of a particular Merchant s Card acceptance agreement .