---
title: "American Express vPayment — American Express"
description: "Credit & Charge Cards from American Express. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/american-express/products/c781a9a6-0826-4a95-bf79-a312f41d9d0d
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-09T06:00:00.000Z
---

# American Express vPayment — American Express

> Credit & Charge Cards from American Express. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards**

Control supplier payments and help minimise fraud risk with Virtual Account Numbers and limits assigned per transaction.

## Apply

Applications are handled by the provider: [Apply at American Express](https://www.americanexpress.com/au/business/payment-solutions/)

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Late Payment Fee — When you do not pay the amount due by the due date as shown on your statement. · Three percent (3%) or $30, whichever is greater, will be charged on any overdue amount. | Event | 3% of balance |
| Currency Conversion Fee — 3.5% of the converted amount. Payable when any charge is processed in a currency other than Australian dollars. | Purchase | 3.5% of transaction |
| Dishonour Fee — $6 for each dishonour or debit rejection. | Event | $6.00 |

## Features

- **Bill payment (BPAY)** — Ways to pay your bill
- **Fraud protection** (Fraud Protection Guarantee, protecting you from unauthorised charges made on your Account.)
- **Up to 51 days to pay for purchases.** — Cashflow Days
- **Digital banking** — American Express @ Work (With @ Work, you can access personalised reports and commercial insights to help you efficiently manage your Corporate program.)

## Eligibility

- **Business customers** (Must be a Director or Controller of the business.)
- **Business customers** (An active Australian Business Number (ABN).)
- **Minimum 2 years in business.**
- **Business must be GST registered.**
- **Minimum turnover** — $10,000,000.00 p.a.
- **Applications are assessed based on the information provided and are subject to credit approval.**

## More information from American Express

- [Overview](https://www.americanexpress.com/au/business/payment-solutions/vpayment/)
- [Terms & conditions](https://www.americanexpress.com/au/business/customer-centre/corporate/program-management/)
- [Fees & pricing](https://www.americanexpress.com/au/business/customer-centre/corporate/program-management/)

## Data provenance

- Published by American Express under the Consumer Data Right
- Product ID: `c781a9a6-0826-4a95-bf79-a312f41d9d0d`
- Last updated by the provider: 9 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/american-express/c781a9a6-0826-4a95-bf79-a312f41d9d0d
- Provider page: https://www.cdrcompare.au/brands/american-express

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/american-express/products/c781a9a6-0826-4a95-bf79-a312f41d9d0d) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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