American Express Authorization Fee Definition

American Express Authorization Fee Explained:

What is an American Express Authorization Fee? An American Express Authorization Fee is an additional fee for charging an American Express Card through a merchant account and is separate from the transaction fee that American Express charges to the merchant. American Express is its own credit card provider and processor. Due to this fact, there is usually an added fee charged by your merchant account provider for routing AMEX transactions to American Express for processing.

For instance, when a business owner charges an American Express Card they usually experience two separate fees: an American Express transaction fee (usually between 3%-5% of the transaction) and an American Express Authorization Fee charged by the merchant account provider (usually 5 to 10 cents per transaction).

1 Responses

  • A customer swiped and signed the receipt. Then when their statement came in they didn’t recognize the name on the statement because I am a sole proprieter. So the customer filed a fraud complaint. Now I have the receipt  and video recording of this customer standing in my business  but somehow Amex feels it is appropriate for me to work for free and refund the customer who says the charges are valid, all because I was unable to respond to their claim letter within ther allotted time. To bad it doesn’t work the same way. Anytime they are late on paying me I should receive some kind of bonus pay. I can not stand doing business with this company. It’s bad enough that we the merchant actually pay for reward points out of our pocket and now they steal from my account. Keep your hand in your own pocket Amex. ASAP I will be dropping this account. But in a very professional apologetic way. I learned from them how to be so cunning after spending so much of my time double checking their work. Calling when they got it wrong. Waiting to speak with someone who knows what they are doing. And now being denied a valid charge even myself and the customer agree are valid.

Leave a reply

Your email address will not be published. Required fields are marked *


Comments must contain details about your experience. Please do not use ALL CAPS. Self-promotion, marketing content, or contact information of any kind will not be published. By submitting a comment, you are agreeing to our Comment Policy


Copyright ©, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). Getting paid to re-write this page? Click here to earn a reward.

Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.

Share this post
Our Top Pick of 2022
helcim logo
star star star star star
Helcim Payments
No Monthly or Annual Fees
Super Low Processing Rates
POS, Mobile, and Online Payments
Sales & Support: (888) 506-7812
Thinking of working in merchant services? Download our free ebook first.
An Honest Buck ebook cover