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Confirmation of Funds

Provides customer-authorized, account-specific data for all American Express® proprietary Card products including Personal, Small Business and Corporate Cards for parties certified under the Payment Service Directive 2 (PSD2) legislation.

The Confirmation of Funds PSD2 API provides Customer-authorized, confirmation of available funds for certain American Express® proprietary Card products including Personal, Small Business, and Corporate Cards. Card Based Payment Instrument Issuers (CBPIIs) who have been authorized by their national competent authorities, and CBPIIs who have applied for such authorization are authorized to access confirmation of funds data from the following entities: American Express Services Europe Limited, in the UK. American Express Carte - France SA, in France.

Why it’s great

Data Qualityand Integrity

Authentic data, directly from the source.

Valuable Experiences

Deliver Customer value and exceptional experiences.

Global Scale

Tap into one of the largest financial services platforms in the world, powering billions of transactions every year.

Simplicity

Quick and easy self-service integrations to improve time-to-market and foster innovation.

How it works

1

Partner registration and integration

Card Members request to have their American Express transaction information shared and displayed on an authorized Partner site or AppScan® and scans the Merchant’s QR code with the Issuer mobile application.

2

Card Member adds Card

Card Members authenticate their access using their American Express credentials (three-legged OAuth) and select which Card(s) to enroll.

3

Partner requests a token

Card Members can then access their requested transaction information on the authorized Partner site or app for the duration of their enrollment.

Technical Highlights

  • RESTful APIs with JSON format for data exchange.
  • APIs use two-way TLS for transport encryption and three-legged OAuth for authentication.
  • APIs can be accessed through any channel (desktop, tablet, mobile, web, etc.) and from any technology stack.

What You Need To Go Live

  • An Active eIDAS Certificate.
  • Allocate time for Sandbox and pre-Production testing.
  • Obtain American Express-approved artwork, or approval of third-party artwork from American Express.