Users
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American Express Credit covers Amex-branded payments drawing on a credit line. Cardholders buy now and repay under the card agreement, with interest potentially applying to carried balances; acceptance follows the Amex network, while limits and benefits depend on the product.
Use cases:
Channels:
Initiation:
Markets
26TPV
$105BTransactions
959MEstimated 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
Bank of Japan








