AMEX Processing and AMEX Account Requirements Update

Update timeline

1. resolved Jun 16, 2026, 03:52 PM UTC

   Effective May 28th, AMEX made some changes to required data that they need to receive from the processor for compliance reasons: *Requirement: American Express requires that any merchant processing American Express transactions must be boarding at American Express. Before changes made on May 28 AMEX allowed merchants transactions to process without registration. *After Changes: New merchants: American Express will allow transactions to process for 10 days, after the 10 days merchants will start receiving declines on transactions. Existing merchants: Any merchant that did not get boarded with American Express will start receiving declines on transactions. AMEX current issues: Compliance was working on a project to identify accounts who processed AMEX transactions that did not meet the new AMEX data requirements. In essence, we made changes to accounts and inadvertently changed the data on incorrect accounts by accident, in an effort to get the accounts in compliance for AMEX. The data has since been corrected. Below fields need to be added via TT 42, for any account that is not able to process AMEX transactions: Required AMEX fields: Account ID Business Legal Name Doing Business As (DBA) Name Business Address Business email address Business City Region Business Postal Code Business Country Code Currency Code Merchant Category Code (MCC) Authorized Signer First Name Authorized Signer Last Name Authorized Signer Country Code Any account that does not meet these new requirements, will see that their processing has been disabled by AMEX.