Users
186KAmerican Express Charge represents Amex-branded purchases funded through a charge account. Spending is billed for later repayment, typically in full at the statement due date, separating this funding model from revolving credit while using the American Express merchant network.
Use cases:
Channels:
Initiation:
Markets
1TPV
$100MTransactions
864KEstimated Monthly Usage, Aurato Research, October 2026
Capabilities
Initiation & Authentication
Funding & Requirements
Processing & Settlement
Transaction Management
Refunds & Disputes
Additional native capabilities
Markets
Estimated Monthly Usage, Aurato Research, October 2026
PSPs
Schemes
Compliance
Regulator
Federal Reserve Board of Governors



