specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: American Express
providerId: american-express
created: '2026-05-04'
# Provenance stamped 2026-08-11: this artifact was written by the API Evangelist
# bulk sweep dated 2026-05-04, not harvested from the provider. See roadmap#35.
method: generated
modified: '2026-05-05'
reconciled: false
tags:
  - Credit Cards
  - Financial Services
  - Payments
  - Tokenization
  - Fraud Prevention
  - Rewards
  - Banking
description: >-
  American Express does not sell its developer APIs (AETS Token Service, Enhanced Authorization, Account & Transaction) under a public price list. Costs are embedded in the standard merchant discount / interchange model and acquirer agreements; partner SDK access is granted to merchants and issuers under bilateral terms. Reconcile if Amex publishes stand-alone API pricing.
notes: >-
  American Express developer APIs (Token Service / AETS, Enhanced Authorization, Account & Transaction) are partner-only. Access requires a merchant or issuing-partner agreement; pricing is embedded in the merchant discount rate / interchange and acquirer fees rather than a stand-alone API price. Rate limits and SLAs are governed per-contract and not published publicly. Reconcile if Amex publishes a public price list or rate-limit page.
sources:
  - https://developer.americanexpress.com/
  - https://developer.americanexpress.com/products/amex-token-service/overview
plans:
  - id: american-express-overview
    name: American Express - Pricing Overview
    type: enterprise
    description: >-
      Placeholder plan reflecting that American Express does not publish a public,
      machine-readable API price list. Pricing is bespoke per engagement.
    entries:
      - label: API Access
        name: api_access
        type: flat
        metric: varies
        limit: -1
        timeFrame: usage
        geo: global
        unit: 1
        price: contact sales
        userMultiplied: false
    elements:
      - name: Negotiated Access
      - name: Bilateral Agreement
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com
x-canonical:
  generated: '2026-10-08'
  vocabulary: all/0-working/economics/plans-canonical.yml
  models:
  - subscription
  units:
  - negotiated
  plans:
  - name: American Express - Pricing Overview
    access: enterprise
    model: subscription
    model_how: derived
    units:
    - negotiated
    periods:
    - per-use