American Express Merchant Services, referred to as Amex Direct, offers businesses the ability to accept American Express cards. Amex Direct is a direct relationship between the merchant and American Express.

Amex Direct

Direct Relationship: Businesses have a direct agreement with American Express for processing transactions.

Merchant Services: Includes merchant services to help businesses attract and retain customers, including insights into spending patterns and marketing strategies.

Statements: Transactions are reflected on a separate monthly statement from Amex.

Online Merchant Directory: American Express provides a list of businesses that accept American Express online.

Amex Offers: Amex offers a marketing program that helps businesses connect with American Express card members through customized offers.

Merchant Account Management: American Express provides resources for managing merchant accounts online.

Merchant Reporting

Reporting for an AMEX Direct merchant within Stax Pay is similar. However, deposit reports, fees, and disputes will appear differently, as they will be handled directly through AMEX and can be accessed through the merchant's AMEX portal.

Merchant Onboarding

When a merchant is onboarding, they will be prompted for an AMEX Direct SE number, which AMEX provides. There is also a checkbox that asks if they accept over a million dollars in AMEX. If selected, Stax will reach out to the merchant when they are processing over a million dollars and are eligible to become an AMEX Direct merchant.

AMEX Direct Merchant Enrollment

Once enrolled, the Merchant business account info page will indicate that they are a AMEX direct merchant. Transactions such as deposits, disputes, and fees will not be visible in Stax Pay or Stax Connect. The merchant will need to view these in the AMEX Merchant Portal.

Merchant Reports

Reports in the Connect platform will contain a message that AMEX reports are available only on the AMEX Merchant Portal.