AMERICAN EXPRESS ONE AP®1
One need. One solution. One process.
Automate supplier payments, all from one platform, with our digital Accounts Payable solution—designed to seamlessly work with your existing business accounting system.
Our dedicated AP specialists can help your business with onboarding and support.
Enrollment required and fees may apply. Suppliers must be enrolled and located in the United States. Please contact your American Express representative to learn more.
Give your AP systems a serious upgrade with One AP.
INCREASED EFFICIENCY
Save time and help reduce errors by eliminating paper checks and digitizing your supplier payment processes.
ENHANCED VISIBILITY
Gain a more complete picture of your business expenses with robust reporting to facilitate reconciliation.
MITIGATED RISK
Enhance security with virtual Cards by setting
spending limits and creating one-time or multi-use Card numbers.
How does One AP work?
Here's how One AP can help your business easily and efficiently manage your supplier payments.
One AP gives you multiple ways to pay invoices and employee expenses.
Pay invoices by Card and consolidate those payments into a single billing cycle, all while earning the rewards of your American Express® Business or Corporate Card2.
Create and send unique virtual Cards to employees for added security.
Connect your bank account with One AP and use it to pay by ACH or check—all in one platform.
Gain visibility into your transactions when paying invoices and expenses with One AP.
How One AP helps real customers.
With One AP, you’ll receive onboarding and ongoing support from a dedicated specialist.
Here's how automated solutions can help your modern business.
DIGITAL TRANSFORMATION STRATEGIES FOR SMALL AND MID-SIZE BUSINESSES
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10 STRATEGIES FOR UNCOVERING AND OVERCOMING OPERATIONAL INEFFICIENCIES
Frequently Asked Questions
American Express One AP® is our Accounts Payable automation platform. It is designed to integrate with your existing AP systems to help streamline your payment, billing, and reporting processes.
American Express One AP® can help in several ways. By automating time-consuming, complex processes, it can help increase efficiency and free up administration time. One AP can increase visibility into your business spending by offering detailed reports and consolidating your account information. Finally, it can help reduce the types of human errors commonly associated with repetitive manual processes.
American Express One AP® can help improve your business’ cash flow management by giving you the ability to consolidate all your vendor payments onto your American Express billing cycle. Through extensive reporting options, you’ll be able to identify trends and better predict how your money will grow over time. With additional options like virtual Cards, you’ll be able to set Card limits and keep track of your employee spending.
To apply for One AP, fill out some information about your business and a specialist will contact you. You can also reach us by phone at 855-531-3491.
1. American Express One AP®
American Express One AP® may not be available to all customers. To access the service, all customers will be required to enroll their eligible U.S.-issued American Express® Business, Corporate, or Corporate Purchasing Card. There is no fee to use the service for customers electing to process only Card payments. Use of additional payment methods requires activation and a monthly platform access fee of $200 which will automatically renew each month, unless the service is canceled or all additional payments methods are deactivated, as applicable. With the monthly platform access fee, to the extent used, the first 400 check transactions and first 400 automated ACH transactions each month are complimentary, after which point a fee of $1.00 per check and $0.35 per automated ACH transaction will apply. Fees are subject to change. Sales tax on fees may apply. All fees associated with American Express One AP® will be auto billed on a quarterly basis to the first Card enrolled for the service. Customers may cancel the service or activate/deactivate additional payment methods by contacting their American Express® representative. To make a Card payment to a supplier through the service, the supplier must be an American Express accepting merchant. To learn more, please contact your American Express® representative.
New York: The American Express One AP® service is a money transmission service provided by American Express Travel Related Services Company, Inc. (American Express). This service is not available to consumers. American Express Travel Related Services Company, Inc. is licensed as a Money Transmitter by the New York State Department of Financial Services. California: The American Express One AP® service is a money transmission service provided by American Express Travel Related Services Company, Inc. (American Express). This service is not available to consumers. Georgia: The American Express One AP™ service is a money transmission service provided by American Express Travel Related Services Company, Inc. (American Express). This service is not available to consumers. American Express Travel Related Services Company, Inc. is licensed by the Georgia Department of Banking and Finance.
For a list of our money service business licenses and information about addressing complaints and other disclosures, visit www.americanexpress.com/us/state-licensing.html .
NMLS ID # 913828
See full Terms & Conditions here.
2. Rewards
Not all Cards are eligible to get rewards. Terms and limitations vary by Card type.