![Logo|150](Pasted%20image%2020240122134116.png)

## Overview 

[American Express](https://www.americanexpress.com/en-us/company/?inav=us_footer_about_about_american_express) (AmEx), allows you to accept American Express as a payment method in ChargeOver. 

:::note

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 or 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…

|Feature|Supported? ✅|
|---|---|
|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 Message|What AmEx is Trying to Tell You |Next Steps|
|---|---|---|
|ERR_DECLINE|AmEx told ChargeOver the payment was declined. |You or the customer should contact AmEx to discuss the reason for the decline. |
|ERR_CREDENTIALS|AmEx 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_EXPIRED|AmEx told ChargeOver the credit card has expired. |You should contact the customer and ask them to provide a new payment method.|
|ERR_CVV|AmEx 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](https://www.americanexpress.com/en-us/support/contacts/)**

**Phone Number - 1-800-528-4800**