AtlasPayment MethodsAmerican Express Card

American Express Card

pmt_amex

Introduced in 1958, American Express Card is a card payment method for in-store, online or cash-access transactions used primarily in India.

Card
Use cases:
Channels:
Initiation:
Users
95M
Markets
57
TPV
$1.7T
Transactions
11B

Number of Users

UsersYoY
20222023202420252026Five-year Users and YoY data will appear here

Total Payment Volume

TPVYoY
20222023202420252026Five-year TPV and YoY data will appear here

Markets

Markets and currencies connected to Amex across consumer, processing and settlement flows.

Market
United StatesUS&C$837B10B42M
JapanAPAC$30B713M6.0M
ChinaAPAC65B CNY130M5.0M
United KingdomEMEA$31B285M4.2M
GermanyEMEA$17B172M2.5M

Capabilities

How Amex works across its supported payment flows, normalized to the Atlas capability model.

Processing
ConfirmationDelayedInstant
Clearing ModelReal-timeBatch
System Settlement Timing–
System InteroperabilityOpen
Cross-border SupportConditional
Flows
EmbeddedSupported
Redirect–
Deep Link–
Offline Completion–
Manual TransferNot supported
Payment Request–
QRConditional
NFCSupported
USSD–
Recurring
User-present RepeatSupported
Merchant-initiatedSupported
Mandate Support/RequiredConditional
Credential on FileSupported
Authentication
Online Banking–
App ApprovalSupported
Biometric Authentication–
PIN / PasscodeConditional
One-time PasswordConditional
3D SecureSupported
Authorization
Authorization Hold / Pre-authorizationSupported
Authorization Reversal / VoidSupported
Authorization AdjustmentsSupported
Partial AuthorizationConditional
Zero-value VerificationSupported
Capture
Separate/Manual CaptureSupported
Partial CaptureSupported
Multiple Partial CapturesSupported
Refunds
Full RefundsNative
Partial RefundsNative
Multiple Partial RefundsNative
Disputes
ChargebacksSupported
Non-chargeback Dispute ProcessConditional
Payment GuaranteeNot guaranteed
Funding Sources
Bank Account–
CardSupported
Stored Balance–
Credit Line–
Cash–
Consumer Requirements
Local Bank Account Required–
App / Wallet Account Required–
Phone Number Required–
Supported Bank/Issuer RequiredRequired
Merchant Requirements
Local Entity Required–
Local Bank Account Required–
Local Acquiring Required–
Local Processing Required–

PSPs

PSP-specific Amex implementations, kept separate from the underlying payment method.

No PSP implementations have been mapped for this method yet.

Schemes

Schemes connected to Amex, using the same four-metric model as the overview.

Scheme

Compliance

Regulators and regulations connected to Amex.

Regulator(s)
No regulators have been mapped yet.
No regulations have been mapped yet.

Standards

Standards connected to Amex.

Standard Category
American Express Card91.0%
Markets75.0%PSPs0%Schemes50.0%Compliance0%Standards100%