American Express

aid: american-express
url: https://raw.githubusercontent.com/api-evangelist/american-express/refs/heads/main/apis.yml
name: American Express
kind: company
type: Index
description: American Express is a globally integrated payments company and card network that offers charge and credit cards,
  merchant acquiring, corporate payments, travel, and Membership Rewards loyalty. Its developer platform at developer.americanexpress.com
  publishes a partner-oriented catalog of REST APIs spanning tokenization (AETS), fraud prevention (Enhanced Authorization),
  PSD2 open-banking account, transaction and confirmation-of-funds services, corporate @ Work expense management, Pay with
  Points redemption, Pay with Bank transfer payment initiation, Payment Account Reference, card-linked Smart Offers, Account
  Connect card-on-file, and the R42 Network Loyalty Platform. Access is onboarding-gated for registered issuers, merchants,
  acquirers, and partners rather than open self-service.
tags:
- Credit Cards
- Financial Services
- Payments
- Card Network
- Tokenization
- Fraud Prevention
- Open Banking
- Rewards
- United States
- Fortune 100
accessModel:
  pricing: unknown
  onboarding: partner-gated
  trial: false
  try_now: false
  public: false
  label: Partner-gated · Onboarding required
  confidence: medium
  source:
  - plans
  - authentication
  generated: '2026-07-23'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/american-express.png
access: 3rd-Party
position: Consumer
created: '2024-11-15'
modified: '2026-07-23'
apis:
- aid: american-express:american-express-token-service-aets-api
  name: American Express Token Service (AETS) API
  tags:
  - Tokenization
  - Payments
  - Security
  - Credit Cards
  - United States
  humanURL: https://developer.americanexpress.com/products/amex-token-service/resources#readme
  properties:
  - url: https://developer.americanexpress.com/products/amex-token-service/overview
    type: Documentation
  - url: https://developer.americanexpress.com/products/amex-token-service/resources#readme
    type: APIReference
  description: The American Express Token Service (AETS) API 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 reduce the risk of data breaches and fraud. This technology works by replacing sensitive data with randomly
    generated network tokens, ensuring the original payment details are never exposed during transactions or when stored card-on-file
    across the American Express payment ecosystem.
- aid: american-express:american-express-enhanced-authorization-ea-
  name: American Express Enhanced Authorization (EA)
  tags:
  - Fraud Prevention
  - Payments
  - Risk
  - Credit Cards
  - United States
  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
  - url: https://developer.americanexpress.com/products/enhanced-authorization-v2/resources#readme
    type: APIReference
  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 to analyze transaction patterns
    and detect suspicious activity. By passing additional transaction data elements at the time of authorization, this system
    enables American Express to provide real-time authorization decisions, allowing them to quickly identify and block potentially
    fraudulent transactions before they are approved.
- aid: american-express:american-express-account-and-transaction-api
  name: American Express Account and Transaction API
  tags:
  - Open Banking
  - PSD2
  - Data Access
  - Payments
  - United States
  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 an open-banking service that enables regulated third-party
    providers to access and retrieve detailed information about cardholder accounts and transactions with cardholder consent.
    With this API, authorized users can securely retrieve data such as account balance, transaction history, payment status,
    and account details under PSD2 account-information-service provisions, supporting financial data aggregation and account-management
    use cases across the European regulatory perimeter.
- aid: american-express:american-express-confirmation-of-funds-psd2-api
  name: American Express Confirmation of Funds PSD2 API
  tags:
  - Open Banking
  - PSD2
  - Payments
  - Data Access
  - United States
  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 service that enables regulated
    card-based payment instrument issuers to verify the availability of funds in a customer's account before completing a
    transaction. By integrating this API into their payment processing systems under PSD2's confirmation-of-funds provisions,
    companies can reduce the risk of payment rejections due to insufficient funds, thereby improving authorization rates and
    the overall customer experience at checkout.
- aid: american-express:american-express-work-b2b-api
  name: American Express @ Work B2B API
  tags:
  - B2B
  - Corporate Cards
  - Expense Management
  - Payments
  - United States
  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: The American Express @ Work B2B API is a suite of services that allows businesses to securely access their
    American Express corporate account information, make payments, and manage expenses in a streamlined and efficient manner.
    With this API, businesses can automate financial processes such as reconciling transactions, retrieving statement and
    transaction data, tracking spending, and generating reports, saving time and reducing the risk of manual errors across
    corporate card and expense-management programs.
- aid: american-express:american-express-card-on-demand
  name: American Express Card On-Demand
  tags:
  - Digital Cards
  - Issuing
  - Payments
  - Credit Cards
  - United States
  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 service allows eligible cardholders to access their account information
    and make purchases online without having to wait for a physical card to arrive in the mail. The API enables issuing partners
    to provision digital card credentials on demand, supporting instant issuance and card-on-file provisioning at the point
    of account creation or replacement.
- aid: american-express:american-express-pay-with-points
  name: American Express Pay with Points
  tags:
  - Loyalty
  - Rewards
  - Payments
  - Membership Rewards
  - United States
  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
  - url: https://developer.americanexpress.com/products/global-pay-with-points/resources#readme
    type: APIReference
  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 Global Pay with Points API provides
    flexibility and convenience to cardholders, letting them apply points toward a variety of expenses such as travel, shopping,
    dining, and more directly at checkout, and gives merchants and partners a programmatic way to offer real-time points redemption
    within their own commerce flows.
- aid: american-express:american-express-api-based-payment-platform
  name: American Express API-Based Payment Platform
  tags:
  - Open Banking
  - Payment Initiation
  - PISP
  - Payments
  - United States
  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 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.
- aid: american-express:american-express-payment-account-reference-par-
  name: American Express Payment Account Reference (PAR)
  tags:
  - Tokenization
  - EMVCo
  - Payments
  - Card Network
  - United States
  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 Member's account activity across different
    payment formats. Developed by EMVCo, 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 its associated network tokens to allow acquirers
    and merchants to comply with their obligations and provide value-added services such as loyalty, analytics, and fraud
    management to Card Members across tokenized and non-tokenized transactions.
- aid: american-express:american-express-smart-offer-partnership
  name: American Express Smart Offer Partnership
  tags:
  - Loyalty
  - Offers
  - Data Access
  - Marketing
  - United States
  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, delivered via API and SFTP. Through this product,
    partners are able to access the transaction data of enrolled Card Members from specific participating merchants, enabling
    card-linked offer enrollment, statement credits, targeted promotions, and closed-loop measurement of campaign performance
    across the American Express network.
- aid: american-express:american-express-amex-account-connect
  name: American Express AMEX Account Connect
  tags:
  - Card-on-File
  - Authentication
  - Payments
  - Credit Cards
  - United States
  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. Two journeys are available: a User can begin from AMEX channels, or from the partner''s channel, to
    link their eligible American Express Card without needing the physical Card on hand. This reduces friction, cart abandonment,
    and card-entry errors while improving the security of stored credentials.'
- aid: american-express:american-express-network-loyalty-platform
  name: American Express Network Loyalty Platform
  tags:
  - Loyalty
  - Rewards
  - Issuing
  - Membership Rewards
  - United States
  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 real-time Application Programming
    Interfaces (APIs) offered to Issuers and their Concierge Service Providers (a.k.a. Concierge Providers). The R42 Platform
    allows an Issuer's Card Members to enroll in Elite-Tier Benefits and transfer points into a benefit provider's loyalty
    programs, giving network issuers a programmatic way to deliver premium benefits, points transfers, and tier management
    to their cardholders across the American Express network.
common:
- type: Website
  url: https://www.americanexpress.com/
- type: DeveloperPortal
  url: https://developer.americanexpress.com/
  name: American Express Developers
- type: Portal
  url: https://developer.americanexpress.com/
  name: American Express Developers
- type: Documentation
  url: https://developer.americanexpress.com/documentation
  name: American Express Developer Documentation
- type: Products
  url: https://developer.americanexpress.com/products
  name: American Express Developers
- type: Blog
  url: https://americanexpress.io/
  name: Blog
- type: GitHubOrganization
  url: https://github.com/americanexpress
  name: GitHub
- type: LinkedIn
  url: https://www.linkedin.com/company/american-express
- type: Support
  url: https://developer.americanexpress.com/support
  name: American Express Developers
- type: Signup
  url: https://developer.americanexpress.com/signup
  name: American Express Developers
- type: Login
  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: GettingStarted
  url: https://developer.americanexpress.com/documentation/getting-started
  name: American Express Developers
- type: WhatsNew
  url: https://developer.americanexpress.com/documentation/whats-new
  name: American Express Developers
- type: Authentication
  url: https://developer.americanexpress.com/documentation/api-security/certificates
  name: API Security - Certificates
- type: Authentication
  url: https://developer.americanexpress.com/documentation/api-security/hmac
  name: API Security - HMAC
- type: Authentication
  url: https://developer.americanexpress.com/documentation/api-security/oauth-2
  name: API Security - OAuth 2
- type: FAQ
  url: https://developer.americanexpress.com/faq
  name: American Express Developers
- type: TermsOfService
  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: PrivacyPolicy
  url: https://www.americanexpress.com/us/legal-disclosures/online-privacy-statement.html
  name: Online Privacy Statement - American Express US
- type: DomainSecurity
  url: security/american-express-domain-security.yml
- type: Authentication
  url: authentication/american-express-authentication.yml
  name: Authentication profile (mTLS + HMAC + OAuth 2.0)
- type: Packages
  url: packages/american-express-packages.yml
  name: Client libraries
- type: Conformance
  url: conformance/american-express-conformance.yml
  name: Standards conformance
- type: Lifecycle
  url: lifecycle/american-express-lifecycle.yml
  name: Versioning & lifecycle
- type: ChangeLog
  url: https://developer.americanexpress.com/documentation/whats-new
  name: What's New
- type: LLMsTxt
  url: llms/american-express-llms.txt
  name: llms.txt
- 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, transaction, and confirmation-of-funds 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: SDKs
  url: https://github.com/americanexpress/targeted-offers-client
  title: JavaScript SDK
  name: Targeted Offers Client
maintainers:
- FN: Kin Lane
  email: info@apievangelist.com
specificationVersion: '0.19'