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Global Pay with Points v2

Enable eligible American Express® Card Members to pay for purchases with accumulated Membership Rewards® points within a merchant’s checkout experience online or at a physical point-of-sale (POS).

The Global Pay with Points is a suite of APIs that enables eligible American Express® Card Members to pay for purchases with accumulated Membership Rewards® points within the Merchant checkout experience online or at a physical point-of-sale (POS).

The Pay with Points is a redemption feature that allows eligible Card Members to use Membership Rewards points to pay for all or part of a purchase. Rather than transferring points to a loyalty program, Card Members can apply points directly during checkout. The program is available across multiple redemption experiences, including: Travel Bookings through American Express Travel, Online Checkout with participating merchants, and Digital Wallet and Payment Partners.

Intended for: Partners, Users, Merchants, Issuers

Highlights

Real-Time Decisioning and Validation

The APIs provide eligibility determination, points balance verification, currency-to-points conversion, and redemption confirmation.

Scalable API-Driven Architecture

The solution is designed as a modern API service that can be integrated into multiple platforms, application, and systems, which allows partners to implement a consistent redemption experience across channels.

Flexible Redemption Options

The APIs support multiple integration patterns, allowing Card Members to seamlessly use points for payment without redesign of the core integration.

Benefits

Increased Spending

Card Members who use Membership Rewards® points to cover all or part of their Card charges through Pay with Points spend more than the American Express average.

Scale

Take advantage of a highly successful loyalty program with a Card Member base that has billions of points.

Flexible Integration

Your payment processing remains the same - Cards are still processed as usual, regardless of the environment and we settle with you - same as always.

Business as Usual

The Global Pay with Points API handles Card Member servicing issues related to Membership Rewards redemptions or returns, so there are no changes to a Merchant’s dispute management process.

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