American Express

aid: american-express
url: >-
  https://raw.githubusercontent.com/api-evangelist/american-express/refs/heads/main/apis.yml
apis:
- aid: american-express:american-express-token-service-aets-api
  name: American Express Token Service (AETS) API
  tags:
  - Credit Cards
  humanURL: >-
    https://developer.americanexpress.com/products/amex-token-service/resources#readme
  properties:
  - url: >-
      https://developer.americanexpress.com/products/amex-token-service/overview
    type: Documentation
  description: >-
    The American Express Token Service (AETS) API is a powerful tool that allows
    developers to securely tokenize cardholder data, providing a layer of security
    for online transactions. By generating unique tokens that represent a customer's
    payment information, the API helps to reduce the risk of data breaches and fraud.
    This technology works by replacing sensitive data with randomly generated tokens,
    ensuring that the original payment details are never exposed during transactions.
- aid: american-express:american-express-enhanced-authorization-ea-
  name: American Express Enhanced Authorization (EA)
  tags: []
  humanURL: >-
    https://developer.americanexpress.com/products/enhanced-authorization-v2/resources#readme
  properties:
  - url: >-
      https://www.americanexpress.com/content/dam/amex/us/merchant/pdf/enhancedauthorization_final.pdf
    type: Documentation
  description: >-
    American Express Enhanced Authorization (EA) is a fraud prevention tool that
    helps protect cardholders and merchants from unauthorized transactions. EA uses
    advanced algorithms and machine learning technology to analyze transaction patterns
    and detect any suspicious activity. This system enables American Express to
    provide real-time authorization decisions, allowing them to quickly identify
    and block potentially fraudulent transactions.
- aid: american-express:american-express-account-and-transaction-api
  name: American Express Account and Transaction API
  tags: []
  humanURL: >-
    https://developer.americanexpress.com/products/account-and-transaction-api-public/overview
  properties:
  - url: >-
      https://developer.americanexpress.com/products/account-and-transaction-api-public/overview
    type: Documentation
  description: >-
    The American Express Account and Transaction API is a powerful tool that enables
    developers to access and retrieve detailed information about cardholder accounts
    and transactions. With this API, users can securely retrieve data such as account
    balance, transaction history, payment status, and more.
- aid: american-express:american-express-confirmation-of-funds-psd2-api
  name: American Express Confirmation of Funds PSD2 API
  tags: []
  humanURL: >-
    https://developer.americanexpress.com/products/confirmation-of-funds/overview
  properties:
  - url: >-
      https://developer.americanexpress.com/products/confirmation-of-funds/overview
    type: Documentation
  description: >-
    The American Express Confirmation of Funds PSD2 API is a secure and efficient
    tool that enables businesses to verify the availability of funds in a customer's
    account before completing a transaction. By integrating this API into their
    payment processing systems, companies can reduce the risk of payment rejections
    due to insufficient funds, thereby improving the overall customer experience.
- aid: american-express:american-express-work-b2b-api
  name: American Express @ Work B2B API
  tags: []
  humanURL: >-
    https://developer.americanexpress.com/products/at-work-apis-public/overview
  properties:
  - url: >-
      https://developer.americanexpress.com/products/at-work-apis-public/overview
    type: Documentation
  description: >-
    Sure! The American Express @ Work B2B API is a powerful tool that allows businesses
    to easily and securely access their American Express corporate account information,
    make payments, and manage their expenses in a streamlined and efficient manner.
    With this API, businesses can automate various financial processes, such as
    reconciling transactions, tracking spending, and generating reports, saving
    time and reducing the risk of errors.
- aid: american-express:american-express-card-on-demand
  name: American Express Card On-Demand
  tags: []
  humanURL: >-
    https://developer.americanexpress.com/products/nextgen-card-on-demand/resources
  properties:
  - url: >-
      https://developer.americanexpress.com/products/nextgen-card-on-demand/resources
    type: Documentation
  description: >-
    American Express Card On-demand offers customers the convenience and flexibility
    of instantly receiving a digital card for their American Express account. This
    innovative service allows cardholders to access their account information and
    make purchases online without having to wait for a physical card to arrive in
    the mail.
- aid: american-express:american-express-pay-with-points
  name: American Express Pay with Points
  tags: []
  humanURL: >-
    https://developer.americanexpress.com/products/global-pay-with-points/resources#readme
  properties:
  - url: https://www.americanexpress.com/en-us/travel/how-to-pay-with-points/
    type: Documentation
  description: >-
    American Express Pay with Points allows cardholders to use the points they have
    earned through their American Express Membership Rewards program to make purchases
    at participating merchants. This feature provides flexibility and convenience
    to cardholders, as they can choose to apply their points towards a variety of
    expenses, such as travel, shopping, dining, and more.
- aid: american-express:american-express-api-based-payment-platform
  name: American Express API-Based Payment Platform
  tags: []
  humanURL: >-
    https://developer.americanexpress.com/products/pay-with-bank-transfer-public/overview
  properties:
  - url: https://developer.americanexpress.com/documentation
    type: Documentation
  description: >-
    The American Express API-based Payment Platform allows eCommerce Sellers and
    Merchants to scale their business by integrating with the Open Banking enabled
    Payment Gateways. The information in this guide is designed to help you implement
    Pay with Bank transfer, an American Express Payment Initiation Service (PIS).
    We have outlined the integration steps to give you a sense of what to expect.
- aid: american-express:american-express-payment-account-reference-par-
  name: American Express Payment Account Reference (PAR)
  tags: []
  humanURL: >-
    https://developer.americanexpress.com/products/payment-account-reference-public/overview
  properties:
  - url: >-
      https://developer.americanexpress.com/products/payment-account-reference-public/overview
    type: Documentation
  description: >-
    Payment Account Reference (PAR) provides an aggregated view of a Card
    Members account activity across different payment formats. Developed by
    EMV Co, it is a non-financial reference generated by American Express
    Network Services that is associated with a Primary Account Number (PAN).
    PAR links the PAN and associated tokens to allow acquirers and Merchants
    to comply with their obligations and provide value-added services to Card
    Members.
- aid: american-express:american-express-smart-offer-partnership
  name: American Express Smart Offer Partnership
  tags: []
  humanURL: >-
    https://developer.americanexpress.com/products/smart-offer-partnerships-public/overview
  properties:
  - url: >-
      https://developer.americanexpress.com/products/smart-offer-partnerships-public/overview
    type: Documentation
  description: >-
    The American Express Smart Offer Partnership product provides registered
    Partners with access to certain American Express data, required to run
    their card-linked offer and loyalty programs, via API and SFTP. Through
    this product, Partners are able to access the transaction data of enrolled
    Card Members from specific participating Merchants.
- aid: american-express:american-express-amex-account-connect
  name: American Express AMEX Account Connect
  tags: []
  humanURL: >-
    https://developer.americanexpress.com/products/nextgen-amex-account-connect/overview
  properties:
  - url: >-
      https://developer.americanexpress.com/products/nextgen-amex-account-connect/overview
    type: Documentation
  description: >-
    AMEX Account Connect is a suite of APIs that enables eligible American
    Express Card Members to add their Cards on file with participating
    Partners, using their American Express login credentials, instead of
    manually entering the Card information. There are two journeys available
    where the Card Member can begin the journey. A User can start from AMEX
    channels, or from the Partners channel to link their eligible American
    Express Card without needing the Card on-hand.
- aid: american-express:american-express-network-loyalty-platform
  name: American Express Network Loyalty Platform
  tags: []
  humanURL: https://developer.americanexpress.com/products/network-loyalty/overview
  properties:
  - url: >-
      https://developer.americanexpress.com/products/network-loyalty/overview
    type: Documentation
  description: >-
    The American Express Network Loyalty Platform (the R42 Platform) is a
    suite of APIs that offer real-time Application Programming Interfaces
    (APIs) to Issuers and their Concierge Service Providers (a.k.a., Concierge
    Providers). The R42 Platform allows an Issuers Card Members to enroll in
    Elite - Tier Benefits and transfer points into a benefit providers loyalty
    programs.
name: American Express
tags:
- Credit Cards
- Financial Services
- Payments
- Tokenization
- Fraud Prevention
- Rewards
- Banking
type: Index
image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
access: 3rd-Party
common:
- url: https://americanexpress.io/
  name: Blog
  type: Blog
- url: https://github.com/americanexpress
  name: GitHub
  type: GitHubOrganization
- url: https://developer.americanexpress.com/
  name: American Express Developers
  type: Portal
- url: https://developer.americanexpress.com/support
  name: American Express Developers
  type: Support
- url: >-
    https://www.americanexpress.com/en-us/account/light/login?target=https://developer.americanexpress.com/login?redirect%3Dfalse
  name: Log In to My Account | American Express US
  type: Login
- url: https://developer.americanexpress.com/signup
  name: American Express Developers
  type: SignUp
- url: https://developer.americanexpress.com/documentation/getting-started
  name: American Express Developers
  type: GettingStarted
- url: https://developer.americanexpress.com/documentation/whats-new
  name: American Express Developers
  type: WhatsNew
- url: >-
    https://developer.americanexpress.com/documentation/api-security/certificates
  name: American Express Developers
  type: 'Authentication'
- url: https://developer.americanexpress.com/documentation/api-security/hmac
  name: American Express Developers
  type: 'Authentication'
- url: https://developer.americanexpress.com/documentation/api-security/oauth-2
  name: American Express Developers
  type: 'Authentication'
- url: https://developer.americanexpress.com/faq
  name: American Express Developers
  type: FAQ
- url: >-
    https://www.americanexpress.com/us/legal-disclosures/website-rules-and-regulations.html?inav=footer_Terms_of_Use
  name: Terms of Service - American Express US
  type: TermsOfService
- url: https://developer.americanexpress.com/terms
  name: American Express Developers
  type: TermsOfService
- url: https://developer.americanexpress.com/products
  name: American Express Developers
  type: Products
- type: Features
  data:
  - name: Card Tokenization
    description: Secure tokenization of American Express card data using the AETS API, replacing sensitive cardholder information with unique tokens for safer online transactions.
  - name: Fraud Prevention
    description: Real-time enhanced authorization using machine learning to detect and prevent fraudulent transactions before they are processed.
  - name: Open Banking APIs
    description: PSD2-compliant account and transaction APIs enabling third-party providers to access cardholder data with consent for Open Banking use cases.
  - name: Pay with Points
    description: Global Pay with Points API enabling cardholders to redeem Membership Rewards points at checkout with participating merchants.
  - name: Network Loyalty Platform
    description: The R42 Platform API suite enabling issuers and concierge service providers to manage elite tier benefits and loyalty point transfers.
  - name: B2B Expense Management
    description: American Express at Work APIs for corporate card management, expense reconciliation, and business account administration.
  - name: Account Connect
    description: AMEX Account Connect APIs allowing cardholders to link their American Express card with partner platforms using their AMEX credentials.
  - name: Smart Offer Partnerships
    description: Card-linked offer and loyalty program APIs giving registered partners access to transaction data for enrolled card members.
- type: UseCases
  data:
  - name: E-Commerce Payment Security
    description: Tokenizing American Express card data for secure online checkout, reducing PCI scope and preventing card data breaches at merchants.
  - name: Open Banking Compliance
    description: Enabling regulated third-party providers to access cardholder account and transaction data under PSD2 for financial data aggregation.
  - name: Corporate Expense Management
    description: Automating corporate card reconciliation, expense reporting, and financial management for businesses using the At Work B2B API.
  - name: Loyalty Program Integration
    description: Integrating merchant loyalty programs with Membership Rewards points redemption through the Pay with Points and Network Loyalty APIs.
  - name: Card-on-File Management
    description: Managing Payment Account References (PAR) to link card numbers and tokens across payment formats for compliant card-on-file services.
  - name: Fraud Detection
    description: Using Enhanced Authorization to provide additional risk signals and data points to help merchants detect potentially fraudulent transactions.
- type: Integrations
  data:
  - name: EMVCo Tokenization
    description: Integration with EMVCo Payment Account Reference standard, linking PANs and tokens across payment ecosystems.
  - name: Merchant Payment Platforms
    description: Integration with e-commerce payment platforms and payment gateways to enable American Express tokenized card acceptance.
  - name: Financial Data Aggregators
    description: Integration with open banking data aggregators to provide PSD2-compliant account and transaction data access.
  - name: Corporate ERP Systems
    description: Integration with enterprise resource planning and expense management systems via the At Work B2B API.
  - name: Loyalty Platform Providers
    description: Integration with third-party loyalty and offer platforms through the Smart Offer Partnership APIs.
- type: SDK
  url: https://github.com/americanexpress/targeted-offers-client
  title: JavaScript SDK
  name: Targeted Offers Client
created: '2024-11-15'
modified: '2026-04-19'
position: Consumer
description: >-
  American Express is a financial services company that offers a wide range of products
  and services, including credit cards, charge cards, traveler's checks, and business
  services. Known for its exceptional customer service and unique rewards programs,
  American Express also provides insurance, investment services, and travel booking
  assistance to its customers.
maintainers:
- FN: Kin Lane
  email: [email protected]
specificationVersion: '0.19'