American Express Merchant Reference Guide - U.S.

American Express

Merchant Reference Guide U.S.

April 2019

Copyright ? 2008-2019 American Express Travel Related Services Company, Inc. All rights reserved.

introduction..............................................................................................................8

1.1

about American Express .....................................................................................................9

1.2

about the reference guide ..................................................................................................9

1.3

organization of the reference guide ...................................................................................9

1.4

publishing schedule ............................................................................................................9

1.5

becoming an American Express merchant .........................................................................9

doing business with American Express...........................................................10

introduction .......................................................................................................................11

2.2

the American Express merchant number..........................................................................11

2.3

merchant information .......................................................................................................11

2.4

use of third parties............................................................................................................11

2.5

compliance with the technical specifications ..................................................................12

2.6

call monitoring ..................................................................................................................12

2.7

permitted uses ..................................................................................................................12

2.8

Cardmember offers ...........................................................................................................12

2.9

marketing programs ..........................................................................................................12

table of contents

2.1

Card acceptance...................................................................................................13

3.1

accepting the Card ............................................................................................................14

3.2

treatment of the American Express brand........................................................................14

3.3

prohibited uses of the Card ..............................................................................................16

3.4

treatment of American Express Cardmember information...............................................17

This document shall not be reproduced in any form without the express prior

written consent of American Express Travel Related Services Company, Inc.

April 2019

3

transaction processing........................................................................................18

the many types of transactions ........................................................................................19

4.2

transaction cycle ...............................................................................................................19

4.3

completing a transaction at point of sale.........................................................................20

4.4

processing an in-person charge........................................................................................21

4.5

customer activated terminals ...........................................................................................21

4.6

processing a Card not present charge ..............................................................................22

4.7

processing a credit............................................................................................................22

4.8

digital wallet payment ......................................................................................................22

4.9

return and cancellation policies .......................................................................................22

4.10

corporate purchasing Card charges..................................................................................22

4.11

advance payment charges ................................................................................................22

4.12

aggregated charges ..........................................................................................................23

4.13

delayed delivery charges ..................................................................................................23

4.14

recurring billing charges ...................................................................................................23

4.15

processing prepaid Cards .................................................................................................24

4.16

processing travelers/gift cheques ....................................................................................24

table of contents

4.1

authorization..........................................................................................................25

5.1

introduction ......................................................................................................................26

5.2

transaction cycle ...............................................................................................................26

5.3

the purpose of authorization.............................................................................................27

5.4

authorization process........................................................................................................27

5.5

possible authorization responses .....................................................................................27

5.6

obtaining an electronic authorization ...............................................................................27

5.7

obtaining a voice authorization ........................................................................................28

5.8

Card identification (CID) number ......................................................................................28

5.9

authorization reversal .......................................................................................................28

5.10

authorization time limit.....................................................................................................28

5.11

floor limit...........................................................................................................................28

This document shall not be reproduced in any form without the express prior

written consent of American Express Travel Related Services Company, Inc.

April 2019

4

submission .............................................................................................................29

6.1

introduction .......................................................................................................................30

6.2

transaction cycle ...............................................................................................................30

6.3

purpose of submission ......................................................................................................30

6.4

submission process...........................................................................................................31

6.5

submission requirements ¨C electronic .............................................................................31

6.6

submission requirements ¨C paper ....................................................................................31

6.7

how to submit ...................................................................................................................31

7.1

transaction cycle ...............................................................................................................33

7.2

settlement amount............................................................................................................33

7.3

discount/discount rate ......................................................................................................34

7.4

method of payment ...........................................................................................................34

7.5

speed of payment .............................................................................................................34

7.6

payment options ...............................................................................................................34

7.7

reconciliation options .......................................................................................................34

7.8

payment errors or omissions ............................................................................................34

table of contents

settlement...............................................................................................................32

protecting Cardmember information.................................................................35

8.1

data security operating policy ..........................................................................................36

8.2

standards for protection of Cardmember information......................................................36

8.3

data incident management obligations ............................................................................36

8.4

indemnity obligations for a data incident.........................................................................36

8.5

periodic validation of merchant systems..........................................................................37

This document shall not be reproduced in any form without the express prior

written consent of American Express Travel Related Services Company, Inc.

April 2019

5

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