FX International Payments

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Use American Express FX International Payments as your simple and secure international payment provider to pay your customers or suppliers.

How It Works

Making international payments easy for you and your supplier.

How Amex FX international payments works How Amex FX international payments works

Receive one Membership Rewards® point1 for every $30 of foreign currency wires that your business sends internationally, up to a maximum of 4,000 points per eligible FX transaction. A Membership Rewards program-enrolled American Express® Card is required to take advantage of this offer. You can earn Membership Rewards and redeem points for travel, shopping, dining and entertainment.

FX International Payment Features

An American Express® Card is not required to make International Payments

FX International Payments at a Glance

  • No setup or account maintenance fees2
  • For Outgoing Wire Transfers, typically 1-4 business days (delivery times depend on currency and country)
  • Reporting includes: Online payment history, currency type, and more
  • 110+ countries, 80+ currencies
  • Customer support Monday to Friday, 24 hours a day

Key Features

  • Competitive exchange rates
  • File upload service for multiple payments
  • In-depth and flexible reporting services
  • Settle transactions from your existing U.S. business bank account
  • Easy upload of payee information
  • Explore our Security Center to learn more about the measures we take to protect you.

Membership Rewards® Program

Receive one Membership Rewards® point1 for every $30 of foreign currency wires that your business sends internationally, up to a maximum of 4,000 points per eligible FX transaction.

A Membership Rewards program-enrolled American Express® Card is required to take advantage of this offer. You can earn Membership Rewards and redeem points for travel, shopping, dining and entertainment.

FX International Payment Types

  • Outgoing Wire Transfers
  • Foreign Drafts
  • Incoming Wire Transfers
  • Cross Currency Transactions
  • Forward Contracts4
Terms and Conditions

FX International Payments is a service of American Express Travel Related Services Company, Inc. ("American Express"). This service is not available to consumers. To enroll in this service, your business will be required to complete an application, which is subject to review and approval by American Express. For a copy of the application, including terms and conditions, call 1-888-391-9971.

  1. One (1) Membership Rewards® point will be awarded for every USD $30 your business wires internationally using the FX International Payments ("FXIP") service. The maximum award per transaction is 4,000 points. Not valid for same currency wire transactions (e.g. US Dollar to US Dollar). For a designated Card Member to be eligible to receive Membership Rewards points, your business must first enroll in the FXIP service. Your business must also complete and submit to us a form designating an American Express Card Member who is already enrolled in the individual Membership Rewards program to whom points will be credited. With respect to a company enrolled in the Corporate Membership Rewards program, any earned points will be credited to the relevant Program Administrator Corporate Card linked to the company’s Membership Rewards program. If you select a basic personal American Express Card Member or a basic small business American Express Card Member (e.g., OPEN from American Express) to receive the award of Membership Rewards points, please note that the designated Card Member for that personal or small business account is authorized to determine how and when to redeem those points. You agree not to make any claims against American Express with regard to the manner in which the basic Card Member redeems such points. The American Express Card Member you select to receive the award of points, or in the case of Corporate Membership Rewards, the company, must be current and enrolled in the Membership Rewards program at the time the transaction is initiated. FXIP must have a completed registration on file for the Card Member’s Card account or company’s Program Administrator Card Corporate Card account, and there must be no unpaid FXIP obligations of your business or other violation of or defaults under the FXIP Terms and Conditions at the time of point fulfillment. No points will be awarded retroactively for transactions processed prior to the enrollment of the business in the FXIP service and the processing of the Membership Rewards program registration form. In the event a registered Card is lost, stolen or renewed, you must register the new Card by submitting an updated form to FXIP with the new Card information. Processing of the registration form takes approximately 2-4 weeks. To obtain a registration form, call 1-888-391-9971. Points will be credited to the Card Member’s Membership Rewards program account or Corporate Membership Rewards account, if applicable, within 10-12 weeks after the eligible transaction is completed. Membership Rewards points that are awarded for transactions with FXIP are subject to the terms and conditions of the Membership Rewards program, including rules regarding forfeiture of Membership Rewards points. The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo. Participating partners and available rewards are subject to change without notice. See membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Transactions by university or financial institution clients are not eligible for this offer. FXIP reserves the right to change, limit, modify or cancel this offer at any time.
    Bonus ID 7601
    If American Express determines the Membership Rewards points constitute a reportable payment, the value of the points will be reported to the Card Member and the Internal Revenue Service on IRS Form 1099-MISC. The value of the points may be taxable income to the Card Member and the Card Member would be responsible for any federal or state taxes resulting from the points.
  2. American Express makes money from currency exchange.
  3. FX International Payments incorporates encryption, both for stored data (such as account information) and for payments created and transmitted in real-time. The FX International Payments platform is deployed within American Express’ state of the art data center that features advanced online and offline security and monitoring against internet attacks. FX International Payments implements American Express standards relating to information integrity, transaction security and information security.
  4. Forward contracts are not suitable for every business. American Express is not providing you with legal, tax or financial advice. We recommend that you consult your own advisers to determine whether Forward Contracts are suitable for you. Eligibility requirements apply.

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