American ExpressAmerican Express vPayment
Control supplier payments and help minimise fraud risk with Virtual Account Numbers and limits assigned per transaction.
Credit cardsLender updated 9 July 2026
At a glance
- Pricing
- Rates on application
- Foreign transaction fee
- 3.50%
Fees
3 fees published, grouped by when they're charged.
When you make a transaction1
- Currency Conversion Fee
3.5% of the converted amount. Payable when any charge is processed in a currency other than Australian dollars.
3.50% of transaction
When particular things happen2
- Dishonour Fee
$6 for each dishonour or debit rejection.
$6 - Late Payment Fee
Three percent (3%) or $30, whichever is greater, will be charged on any overdue amount.
3.00% of balance
Features
Digital bankingFraud protection
- Up to 51 days to pay for purchases.
Eligibility and limits
- Available to businesses
- Minimum 2 years in business.
- Business must be GST registered.
- Applications are assessed based on the information provided and are subject to credit approval.
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Published by American Express under the Consumer Data Right, last changed by them on 9 July 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.