American Express® Payment Facilitator Wholesale Discount Rate and Network Assessment Fees
The Payment Facilitator program is designed to provide a simplified option to accept American Express Cards through a Payment Facilitator1.
In the Payment Facilitator program, the Payment Facilitator sets the total pricing (rate and fees) that the merchant will pay for accepting American Express Cards. Depending on the pricing plan, this pricing may include the Payment Facilitator Wholesale Discount Rate as well as Network Assessment Fees that American Express charges the Payment Facilitator for participating in the Payment Facilitator program.
1 Subject to program eligibility. Please contact your Payment Facilitator for more information.
Wholesale Discount Rate for American Express Credit and Prepaid Cards
This is a fee assessed to the Payment Facilitator on each Charge, by multiplying the face value of the Charge by the applicable Wholesale Discount Rate.
| Industry | Payment Facilitator Wholesale Discount Rate from July 30, 2025 |
| Government, Charity and Residential Rent | 1.85% |
| Utilities | 1.00% |
| All Others | 2.30% |
NOTE:
The pricing below is currently in effect for all American Express Cards including Prepaid Cards (as of October 30, 2024)
- Government & Charity, up to 1.95%
- Utilities, up to 2.00%
- All Others, up to 3.50%
Network Assessment Fees
| Fee Type | Description | Amount |
| Non-swiped Transaction fee (also referred to as the Card/ Device Not Present fee) | A fee applied to any Charge for which we did not receive (i) the full Magnetic Stripe or Chip Card Data from the Card/Device and (ii) the Magnetic Stripe or Chip Card Data indicator. |
Not to exceed 0.50% of the face amount of each non-swiped Charge |
Paper Statement Fee |
If you choose to receive a paper statement, a fee for each paper statement may be applicable |
$4.95 |
| Inbound Fee | A fee applied on charges made using a Card issued outside Canada* |
0.60% |
Monthly Gross Pay Fee |
A fee may be applicable when enrolled in the Monthly Gross Pay option. |
0.03% |
| Foreign Issued Debit Card Discount Rate | A fee applied to Foreign Issued Debit Card transactions |
Up to 1.65% |
Retain Discount on Credit |
We will retain the Discount Rate (and other fees that were charged for the transaction) for each Credit Transaction you process. |
Varies by transaction |
| Retain Discount on Chargeback | We will retain the Discount Rate (and other fees that were charged for the transaction) for each Chargeback Transaction processed. |
Varies by transaction |
Technical Specifications Non-Compliance Fee |
A fee charged per Non-Compliant Transaction. |
0.25% |
| Data Incident Non-Compliance Fee | A fee charged per incident involving unauthorized access or use of Cardmember data or sensitive authentication data. |
Varies based on incident |
Data Security Non-Validation Fee |
You may be assessed non-validation fees if you fail to provide the mandatory Validation Documentation by the applicable deadline. |
Varies based on incident |
* The inbound fee does not apply to charges made on Foreign Issued Debit Cards.
As a merchant obtaining services from a Payment Facilitator, please contact your Payment Facilitator directly for questions about your merchant services pricing. You may also refer to your Merchant Agreement for more information.
The fees set out above are current as of October 30, 2024 and are subject to change from time to time. This notice is provided for informational purposes only.
®: Used by Amex Bank of Canada under license from American Express.