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American Express Direct



American Express (AmEx), allows you to accept American Express as a payment method in ChargeOver.


American Express will only process American Express as a payment method. If you are planning on accepting ACH, or another credit card processor, you may need to look at a second payment gateway.

How to Connect

Steps to connect AmEx and ChargeOver together are below!

In AmEx

You need to obtain these credentials from your AmEx Merchant account before getting started.

  • Merchant ID
  • Merchant Category Code (this will correspond with the type of business/industry you're dealing in)
  • Company details such as:
    • Company Name
    • Phone
    • E-mail
    • Billing Address

Once you've collected that information, you can go into ChargeOver to connect the American Express gateway to your ChargeOver account.

In ChargeOver

  1. Go to your Settings and click Payment Processing
  2. Next, click Add or Configure a Payment Method or Merchant Account
  3. Select "American Express Direct" from the list of payment gateways
  4. Enter in the information you collected from your American Express Merchant account
  5. Save

You're all set up! You'll now be able to process payments made with American Express credit cards directly through the American Express gateway.

Common Questions

Does the integration between AmEx and ChargeOver support…

FeatureSupported? ✅
Dynamic Statement Descriptors✖️
Tokenized Payments✖️
Credit Card Payments
ACH (USA) Payments✖️
EFT (CAD) Payments✖️
ACH (AUS) Payments✖️
Credit Card Refunds
ACH Refunds✖️

Does AmEx support same-day refunds for credit cards?

✅ Yes!

Supported Merchant Country

This is based on where your business is located.

United States.

Common Decline Messages

If you are unsure what a AmEx decline message means or what to do next, the most common error messages you might encounter are explained below.

Error MessageWhat AmEx is Trying to Tell YouNext Steps
ERR_DECLINEAmEx told ChargeOver the payment was declined.You or the customer should contact AmEx to discuss the reason for the decline.
ERR_CREDENTIALSAmEx told ChargeOver that your authentication credentials for Forte are incorrect.You should contact AmEx and fix the credentials you use to connect to them.
ERR_EXPIREDAmEx told ChargeOver the credit card has expired.You should contact the customer and ask them to provide a new payment method.
ERR_CVVAmEx told ChargeOver the credit card was declined due to an incorrect CVV/CVC security code.Your customer should provide a correct CVV/CVC security code, or provide a new payment method.

AmEx Support

If you need to contact AmEx’s support team, you can use the information below.

Support Website

Phone Number - 1-800-528-4800