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
  - Fortune 100
type: Index
image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
access: 3rd-Party
common:
  - type: LinkedIn
    url: https://www.linkedin.com/company/american-express
  - 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
  - type: LLMsTxt
    url: https://developer.americanexpress.com/llms.txt
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'