American Express API-Based Payment Platform
The American Express API-based Payment Platform allows eCommerce sellers and merchants to scale their business by integrating with Open Banking-enabled payment gateways. The information in this product is designed to help implement Pay with Bank transfer, an American Express Payment Initiation Service (PIS) operating under PSD2. The integration steps outline how to initiate account-to-account bank transfers as an alternative payment method at checkout, giving merchants a lower-cost settlement rail alongside card acceptance.