American Express OptBlue
We’ll work with you to keep your costs as low as possible with American Express OptBlue, designed to reduce your American Express merchant processing fees and improve your business’s cash flow.
What is American Express OptBlue?
American Express OptBlue enables merchants to receive their transaction funds directly from the processor in as little as 12 hours. With American Express merchant services, you can enjoy the ease of fast funding without the hassle. This program is perfect for businesses looking to streamline their American Express credit card processing.
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American Express OptBlue Before 7:00 PM ET
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American Express OptBlue After 7:00 PM ET.
Rate Reduction Benefits
At BAMS, you'll receive a complimentary rate reduction analysis for all card types, including fees associated with American Express merchant processing.
BAMS OptBlue
- Discount Rate: As low as 2.30%*
- Transaction Fee: As low as $0.10 per transaction
- Statement Fee: Waived Statement Fee
- Funding: 12 Hour Funding
- Reporting: Single Merchant Account Login
*For qualifying Industry SIC/MCC codes

Traditional American Express
- Discount Rate: As high as 3.50% per transaction
- Transaction Fee: As high as $0.35 per transaction
- Statement Fee: As high as $7.95 month
- Funding: Delay of 3 to 5 business days
- Reporting: Amex Transactions Only

See why thousands of clients switch to BAMS
Get express merchant processing and competitive American Express merchant rates today!