Is your business in any of the below industries?

If so, you may be overpaying for your American Express transactions with your processor.
  • Tuition
  • Office-Based Healthcare
  • Restaurant
  • Fast Food
  • Mail Order & Internet
  • Travel
  • Lodging
  • Retail & Wholesale
  • Supermarket

What is American Express OptBlue?

American Express OptBlue enables merchants to receive their transaction in as little as 12 hours directly from the processor. This is a unique breakthrough in the payment services industry, which has only recently been made available. While the technology that makes this fast funding possible is quite complex, the OptBlue Program is very easy for merchants to utilize through BAMS.

As long as a qualifying merchant batches out by 7:00 pm (EST), all of that day’s credit card funds are processed and made available to their bank account the next morning by 7:00 am (EST). This is known as 12-hour funding.

This applies to all credit cards: American Express, Discover, Visa and MasterCard.

Before 7P.M. EST
After 7P.M. EST
Category Traditional American Express
Discount Rate As low as 2.30%* As high as 3.50% per transaction
Transaction Fee As low as $0.10 per transaction As high as $0.35 per transaction
Statement Fee Waived Statement Fee As high as $7.95 month
Funding 12 Hour Funding Delay of 3 to 5 business days
Reporting Single Merchant Account Login Amex Transactions Only

Receive a complimentary rate reduction analysis for all card types.

*For qualifying Industry SIC/MCC codes

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