> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://developer.americanexpress.ferndocs.com/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://developer.americanexpress.ferndocs.com/_mcp/server.

# AMEX Account Connect

> **Note**
>
> American Express publishes an overview for this product but no API
> specification, so there is no endpoint reference to show.

AMEX Account Connect is a suite of APIs that enables eligible American Express® Card Members to add their Cards on file with participating Partners, using their American Express login credentials, instead of manually entering the Card information. There are two journeys available where the Card Member can begin the journey. A User can start from AMEX channels, or from the Partner’s channel to link their eligible American Express Card without needing the Card on-hand.
Last Updated: February 26, 2025

AMEX Account Connect is available for U.S. e-commerce partners and merchants and can be leveraged for U.S. Proprietary Card Members (Consumer, Small Business, Corporate).

* Images are illustrative User Experience (UX). Terms & Conditions and UX are subject to change at any time at AMEX’s sole discretion.

**Intended for:** Merchants: U.S., eCommerce Platforms: U.S.

## Highlights

The user selects Add Card to Wallets & Merchants.

The user selects which American Express Card to connect with the Merchant.

The user agrees to the Terms and Conditions.

The user signs in to their Merchant account.

The user acknowledges the Merchant's terms and use of the Card.

Confirmation that the Card has been added to the User's Merchant account.

## Benefits

#### For Partners

**Drive New Account sign-ups**

Helps drive new account sign-ups by offering customers a way to quickly add their Card to their account.

**Refresh Card Information**

Automatically updates expired/replaced Cards on-file whenever Card information changes, when paired with AMEX Token Service integration.

**Early Engagement**

Card Members who are offered an Instant Card Number at Card application approval can seamlessly add their Card on-file; a crucial moment when the Customer is focused on setting up their preferred payments, while also enabling spend before the Card arrives.

## Have any questions?

**Integrate**

Details are provided after access is approved. Please request an invite to view the API Specification and Guide.