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Making FX International Payments

American Express® FX International Payments offers you a quick, secure and cost-effective solution for making payments as wire transfers or drafts. Here we’ll take you through foreign exchange payment methods, payment processing and payment solutions, and provide you with useful tips and insights into forex trading.

What you’ll need to get started:

1The link to FX International Payments.
2Your login details. If you haven’t logged in before, go to the Logging In tutorial.
3Payment details, including the currency and amount you’d like to send.
4Payee information, including their name, address and bank information.

TIP : Outgoing Wire Transfers deposit funds directly into your beneficiary’s account. Outgoing Drafts are paper checks that can be delivered to you overnight and then sent to your beneficiary by post.

Useful Terms

Visit our Glossary to familiarize yourself with terms and processes referred to throughout this site and the FX International Payments online platform.

Creating a Payment

Go to Create & Manage Payments > Create a Spot Payment,then:

1Choose Outgoing Wire or Outgoing Draft from the Product drop-down menu.
2Select the currency you want to send from the Payment Currency drop-down menu, then enter the Amount you want to send.
3Select whether the Amount is in Foreign Currency or Local Equivalent. For example, if you would like to send 1,000 EURO, select Foreign Currency. If you would like to send $1,000 worth of EURO, select USD Equivalent.

Steps for requesting a quote for making spot payments by entering the currency and amount details.

4You can now choose how you want to pay for the transaction from the Settlement Method drop-down menu. If you select Wire Funds, you’ll need to click the Pay to American Express info button to view receiving bank information. If you select ACH (Automated Clearing House) transfer as the Settlement Method, the debit will normally be sent to your checking account two business days before the selected Value Date.

TIP :The Value Date is the estimated date that the funds will be released to the beneficiary bank. Please note that if additional information is required, the value date may change.

5To batch same-currency wires, check the Hold for Batch box. Once batched payments are created, they can be viewed under Batch Management. Payments sent to Batch Management will not be processed until you go to Batch Managementand accept the payments. For more details, view the Batch Management tutorial.
6Once you have entered all the mandatory information, click Quote. The Current Transaction Quote box will then appear with a summary of the transaction details, including the Rate, Fee and Total Cost.

TIP :The Value Date is the estimated date that the funds will be released to the beneficiary bank. Please note that if additional information is required, the value date may change.

Entering Payee Information

You must enter the information for the payee receiving the payment. To do so, either Select from Existing Payee List or Create a New Payee.

If you choose to Create a New Payee, manually enter the information in the fields on the right.
To complete the Bank Details, use the Bank Search button – there’s more on this below.
If you wish to add a note, Notes to Payee will be sent with the payment instruction. Notes for You/Internal comments are for your use only – they will not be viewable by your payee.

TIP : Payees are currency driven – only payees that match the currency selected will be available. For more details, view the Creating and Managing Payees tutorial.

Steps to input the payee information that includes bank details and any specific notes/comments about the payee.

Searching for a Bank

For wire transfers, the payee section will display the Search for Bank option, as well as the related bank information fields. To search:

1Click the magnifying glass icon. A new overlay window will appear.
2Enter the country of the bank you are sending to and provide the required details as indicated.
3Once the correct IBAN, SWIFT or Routing Code has been entered, the bank information will show in the box below. See the Glossary for an explanation of unfamiliar terms.
4Click on the correct bank name, and the bank details will autofill.

Completing your Payment

Once you have entered all the mandatory information, you have three options:

1Click Accept to execute the transaction immediately.
2Click Send to modify queue to save the transaction for editing before final approval. The transaction can be accessed in Modify a Payment. For more details, view the Modifying a Payment tutorial.
3Click Send for Approval if you do not have the required authorization level to approve the transaction. With this option, you can notify an approver by email by checking the appropriate box. The transaction will be sent to Approve a Payment. For more details, view the Approving a Payment tutorial.
4Payee information, including their name, address and bank information.

With any of the options above, you will be able to Print details of the transaction or Save as PDF.

Make International Payments

1 833 319 7265

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Existing FX International Payments customers log in here

FX International Payments is a service of American Express Travel Related Services Company, Inc. ("American Express"). This service is not available to consumers. To enroll in this service, your business will be required to complete an application, which is subject to review and approval by American Express.

1. FX International Payments incorporates encryption, both for stored data (such as account information) and for payments created and transmitted in real-time. The FX International Payments platform is deployed within American Express’ state of the art data center that features advanced online and offline security and monitoring against internet attacks. FX International Payments implements American Express standards relating to information integrity, transaction security and information security.

2. American Express makes money from currency exchange.

3. Transfer times for Outgoing Wire Transfers, typically 1-4 business days (delivery times depend on currency and country).

4. Forward contracts are not suitable for every business. American Express is not providing you with legal, tax or financial advice. We recommend that you consult your own advisers to determine whether Forward Contracts are suitable for you. Eligibility requirements apply.

5. One (1) Membership Rewards^® point will be awarded for every USD $30 your business wires internationally using the FX International Payments (“FXIP”) service. The maximum award per transaction is 4,000 points. Not valid for same currency wire transactions (e.g. US Dollar to US Dollar). For a designated Card Member to be eligible to receive Membership Rewards points, your business must first enroll in the FXIP service. Your business must also complete and submit to us a form designating an American Express Card Member who is already enrolled in the individual Membership Rewards program to whom points will be credited. With respect to a company enrolled in the Corporate Membership Rewards program, any earned points will be credited to the relevant Program Administrator Corporate Card linked to the company’s Membership Rewards program. If you select a basic personal American Express Card Member or a basic small business American Express Card Member (e.g., OPEN from American Express) to receive the award of Membership Rewards points, please note that the designated Card Member for that personal or small business account is authorized to determine how and when to redeem those points. You agree not to make any claims against American Express with regard to the manner in which the basic Card Member redeems such points. The American Express Card Member you select to receive the award of points, or in the case of Corporate Membership Rewards, the company, must be current and enrolled in the Membership Rewards program at the time the transaction is initiated. FXIP must have a completed registration on file for the Card Member’s Card account or company’s Program Administrator Card Corporate Card account, and there must be no unpaid FXIP obligations of your business or other violation of or defaults under the FXIP Terms and Conditions at the time of point fulfillment. No points will be awarded retroactively for transactions processed prior to the enrollment of the business in the FXIP service and the processing of the Membership Rewards program registration form. In the event a registered Card is lost, stolen or renewed, you must register the new Card by submitting an updated form to FXIP with the new Card information. Processing of the registration form takes approximately 2-4 weeks. To obtain a registration form, call 1-833-319-7265. Points will be credited to the Card Member’s Membership Rewards program account or Corporate Membership Rewards account, if applicable, within 10-12 weeks after the eligible transaction is completed. Membership Rewards points that are awarded for transactions with FXIP are subject to the terms and conditions of the Membership Rewards program, including rules regarding forfeiture of Membership Rewards points. Note that the rewards available in the Membership Rewards program vary depending on the type of American Express Card enrolled in Membership Rewards. The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to Membership Rewards. Participating partners and available rewards are subject to change without notice. See Membership Rewards Terms or call 1-800-AXP-EARN (297-3276) for more information. A company that is enrolled in Corporate Membership Rewards, and points earned under that program, are subject to the terms of the Corporate Membership Rewards program (see Membership Rewards – Corporate TnC). Transactions by university or financial institution clients are not eligible for this offer. FXIP reserves the right to change, limit, modify or cancel this offer at any time.

Bonus ID A9PE

It is your responsibility to find out if you are liable for any federal, state or local taxes as a result of earning or using points.

FX International Payments is a service of American Express Travel Related Services Company, Inc. ("American Express"). This service is not available to consumers. To enroll in this service, your business will be required to complete an application, which is subject to review and approval by American Express.

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