American Express Credit

pmt_american_express_credit
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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:
Initiation:
Users
46M
Markets
26
TPV
$105B
Transactions
959M

Estimated Monthly Usage, Aurato Research, October 2026

Historical trends

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

Standards