American Express Card Acceptance Agreement
←
→
Page content transcription
If your browser does not render page correctly, please read the page content below
American Express® Card Acceptance Agreement
American Express offers you a variety of marketing programs that can help your business attract new customers and increase
operational efficiencies. The following are some of the many complimentary programs that are available to you simply for accepting
American Express Cards.
Online Merchant Services is a free, online tool that enables you to receive your American Express financial information electronically
and respond to customer disputes, virtually eliminating No-Reply chargebacks.
Business Savings Program saves you money on everything from office supplies and shipping to car rentals.
Point of Purchase materials are free from American Express. These items are more than just decals for display. They are pens for your
registers, clipboards, check presenters, downloadable logos for your website and more. These are all ways to help you make your
customers feel at ease about using the Card of their choice.
Finally, you can eliminate bankcard processor fees added to American Express transactions with Express Terminals which support all
major credit, charge and debit cards. These products enable you to transmit American Express transactions directly to American
Express, while routing other card transactions to the certified bankcard processor of your choice. You can also change your certified
bankcard processor easily without changing equipment.
For more information, contact your American Express representative or
visit our merchant services website at americanexpress.com/merchant.
AMERICAN EXPRESS TRAVELERS CHEQUES AND GIFT CHEQUES ARE
EASY TO USE AND EASY TO ACCEPT.
When you welcome customers carrying American Express Travelers Cheques and Gift Cheques, you welcome the opportunity to
increase sales and become more profitable. Just think of them as cash. There is no contract to sign: every business can accept Travelers
Cheques and Gift Cheques at any time.
HOW TO ACCEPT AMERICAN EXPRESS TRAVELERS CHEQUES AND GIFT CHEQUES
Simply follow the “Watch & Compare” procedure when a Cheque is presented, and payment to you is guaranteed when the signatures are a
reasonable match. WATCH & COMPARE PROCEDURE: Just WATCH your customer countersign in the lower left corner of the Cheque,
then COMPARE the countersignature with the signature in the upper left corner. All we ask is that you ensure your staff follow the
“Watch & Compare” procedure and please display the decal showing that you accept American Express Travelers Cheques and Gift
Cheques.
There are no requirements for additional identification — only the “Watch & Compare” signature check. American Express Travelers
Cheques and Gift Cheques even feature Cheque acceptance instructions on the back of the Cheques to help you and your staff.
FREQUENTLY ASKED QUESTIONS.
Can I give change in cash? Yes, just as if the Cheques were cash.
Can I present the Cheques at my bank? Yes, simply deposit Cheques into your bank account.
What if I didn’t see that Cheques being signed? You must see every Cheque being countersigned by the customer. If necessary, ask
the customer to sign again on the back of the Cheque while you “Watch & Compare.”
What if I suspect a forged signature? Ask the customer to also sign the reverse of the Cheque and compare the signatures. Still
suspicious? Call the Cheques Customer Service hotline at (800) 525-7641.
How do I accept American Express Travelers Cheques in a foreign currency? If you choose to accept foreign currency Travelers
Cheques, you will need to determine the current exchange rate and convert the transaction. Contact your bank for further details.
How do I get my American Express Travelers Cheques Welcome decal? Call (888) 282-5348 from 9 a.m. – 7 p.m. EST.
For more information, visit our merchant services website at
americanexpress.com/merchant.
21144 G (10/06)
USAmerican Express® Card
Acceptance Agreement
21144 G (10/06)
This shaded box will be completed by an American Express representative.
■ New Signing ■ Update ■ S/E ■ CAP ■ MAP Industry Code Origin Code Sales #
SE# X-Ref Affiliation Code Affiliation
Pay Frequency (3/15/30 days) ■ Recurring/Automatic Bill Pay
Discount Rates: EDC - % Paper - % Prepaid - % or $0. Non-swiped Transaction Fee - %
Estimated Volume $ (AMEX Annual) Estimated Average Ticket $
Pay Option ■ Daily Gross Pay ■ Monthly Gross Pay ■ Flat Fee ■ Card/TC decal ■ Accepts TCs
Special Program(s), e.g., No Signature, Assured Reservation, Fraud Full Recourse:
Please complete the following. If you have any questions call your American Express representative.
FULL LEGAL NAME of Corporation, Partnership or Sole Proprietorship Phone Number
- -
Doing Business As (DBA, Trade Name) Fax Number
- -
Street Address
City State ZIP -
E-mail Address
URL/Website Address
URL Address for Recurring/Automatic Bill Payment Enrollment Page
Customer Service Phone Number - - DUNS Number (if applicable)
Corporate Legal Status: ■ Corporation ■ Partnership ■ Sole Proprietorship ■ L.L.C. SIC Code
Does this business have employees or a Federal Tax ID number?
■ Yes – please provide your Federal Tax ID number
■ No, you have no employees – please provide your Social Security Number - -
Other Information
Please provide any additional address(es) below. If additional information must be sent to the address, please check the appropriate box(es).
■ Check ■ Correspondence ■ Welcome Kit ■ Supplies
Name: ATTN:
Street Address: City: State: ZIP:
Processor Information: Name Toll-Free Number Merchant I.D.
Electronic Payment Information
ABA (Bank Routing) Number DDA (Bank Account) Number
Bank Name
Which reporting method do you prefer? ■ Online Merchant Services ■ Calendar/Month (paper) [Monthly End Date ]
Authorized Signer Information (You must provide first and last name.)
Name: Title:
Status: ■ Sole Proprietor ■ Partner ■ Corporate Officer
Have you previously had an American Express Merchant Account Number? ■ Yes ■ No If Yes, Merchant Number:
By signing below, I represent that I have read this Agreement (including this Application/Set Up page and the Terms and Conditions) and can sign for the entity above, which agrees to be
bound by this Agreement. I authorize American Express to verify the information above and receive and exchange information about me, including by requesting reports from consumer
reporting agencies. I authorize and direct American Express to inform me directly, or through the entity above, of reports about me that American Express has requested from consumer
reporting agencies. Such information will include the name and address of the agency furnishing the report.
Please Sign Here X Date:
21144 G (10/06) AMEX RETENTION COPY
USAmerican Express® Card
Acceptance Agreement
21144 G (10/06)
This shaded box will be completed by an American Express representative.
■ New Signing ■ Update ■ S/E ■ CAP ■ MAP Industry Code Origin Code Sales #
SE# X-Ref Affiliation Code Affiliation
Pay Frequency (3/15/30 days) ■ Recurring/Automatic Bill Pay
Discount Rates: EDC - % Paper - % Prepaid - % or $0. Non-swiped Transaction Fee - %
Estimated Volume $ (AMEX Annual) Estimated Average Ticket $
Pay Option ■ Daily Gross Pay ■ Monthly Gross Pay ■ Flat Fee ■ Card/TC decal ■ Accepts TCs
Special Program(s), e.g., No Signature, Assured Reservation, Fraud Full Recourse:
Please complete the following. If you have any questions call your American Express representative.
FULL LEGAL NAME of Corporation, Partnership or Sole Proprietorship Phone Number
- -
Doing Business As (DBA, Trade Name) Fax Number
- -
Street Address
City State ZIP -
URL/Website Address
URL Address for Recurring/Automatic Bill Payment Enrollment Page
E-mail Address
Customer Service Phone Number - - DUNS Number (if applicable)
Corporate Legal Status: ■ Corporation ■ Partnership ■ Sole Proprietorship ■ L.L.C. SIC Code
Does this business have employees or a Federal Tax ID number?
■ Yes – please provide your Federal Tax ID number
■ No, you have no employees – please provide your Social Security Number - -
Other Information
Please provide any additional address(es) below. If additional information must be sent to the address, please check the appropriate box(es).
■ Check ■ Correspondence ■ Welcome Kit ■ Supplies
Name: ATTN:
Street Address: City: State: ZIP:
Processor Information: Name Toll-Free Number Merchant I.D.
Electronic Payment Information
ABA (Bank Routing) Number DDA (Bank Account) Number
Bank Name
Which reporting method do you prefer? ■ Online Merchant Services ■ Calendar/Month (paper) [Monthly End Date ]
Authorized Signer Information (You must provide first and last name.)
Name: Title:
Status: ■ Sole Proprietor ■ Partner ■ Corporate Officer
Have you previously had an American Express Merchant Account Number? ■ Yes ■ No If Yes, Merchant Number:
By signing below, I represent that I have read this Agreement (including this Application/Set Up page and the Terms and Conditions) and can sign for the entity above, which agrees to be
bound by this Agreement. I authorize American Express to verify the information above and receive and exchange information about me, including by requesting reports from consumer
reporting agencies. I authorize and direct American Express to inform me directly, or through the entity above, of reports about me that American Express has requested from consumer
reporting agencies. Such information will include the name and address of the agency furnishing the report.
Please Sign Here X Date:
21144 G (10/06) AMEX COPY
USAmerican Express® Card
Acceptance Agreement
21144 G (10/06)
This shaded box will be completed by an American Express representative.
■ New Signing ■ Update ■ S/E ■ CAP ■ MAP Industry Code Origin Code Sales #
SE# X-Ref Affiliation Code Affiliation
Pay Frequency (3/15/30 days) ■ Recurring/Automatic Bill Pay
Discount Rates: EDC - % Paper - % Prepaid - % or $0. Non-swiped Transaction Fee - %
Estimated Volume $ (AMEX Annual) Estimated Average Ticket $
Pay Option ■ Daily Gross Pay ■ Monthly Gross Pay ■ Flat Fee ■ Card/TC decal ■ Accepts TCs
Special Program(s), e.g., No Signature, Assured Reservation, Fraud Full Recourse:
Please complete the following. If you have any questions call your American Express representative.
FULL LEGAL NAME of Corporation, Partnership or Sole Proprietorship Phone Number
- -
Doing Business As (DBA, Trade Name) Fax Number
- -
Street Address
City State ZIP -
URL/Website Address
URL Address for Recurring/Automatic Bill Payment Enrollment Page
E-mail Address
Customer Service Phone Number - - DUNS Number (if applicable)
Corporate Legal Status: ■ Corporation ■ Partnership ■ Sole Proprietorship ■ L.L.C. SIC Code
Does this business have employees or a Federal Tax ID number?
■ Yes – please provide your Federal Tax ID number
■ No, you have no employees – please provide your Social Security Number - -
Other Information
Please provide any additional address(es) below. If additional information must be sent to the address, please check the appropriate box(es).
■ Check ■ Correspondence ■ Welcome Kit ■ Supplies
Name: ATTN:
Street Address: City: State: ZIP:
Processor Information: Name Toll-Free Number Merchant I.D.
Electronic Payment Information
ABA (Bank Routing) Number DDA (Bank Account) Number
Bank Name
Which reporting method do you prefer? ■ Online Merchant Services ■ Calendar/Month (paper) [Monthly End Date ]
Authorized Signer Information (You must provide first and last name.)
Name: Title:
Status: ■ Sole Proprietor ■ Partner ■ Corporate Officer
Have you previously had an American Express Merchant Account Number? ■ Yes ■ No If Yes, Merchant Number:
By signing below, I represent that I have read this Agreement (including this Application/Set Up page and the Terms and Conditions) and can sign for the entity above, which agrees to be
bound by this Agreement. I authorize American Express to verify the information above and receive and exchange information about me, including by requesting reports from consumer
reporting agencies. I authorize and direct American Express to inform me directly, or through the entity above, of reports about me that American Express has requested from consumer
reporting agencies. Such information will include the name and address of the agency furnishing the report.
Please Sign Here X Date:
21144 G (10/06) MERCHANT COPY
USTerms and Conditions for
American Express® Card Acceptance
1. SCOPE OF THIS AGREEMENT; DEFINITIONS We, our, and us mean American Express Travel Related Services
AND GENERAL PROVISIONS Company, Inc.
a. Scope. This document, the accompanying Schedules A and B, and our You and your mean the entity accepting the Card under this Agreement,
other policies and procedures (which we may amend from time to time) and its Affiliates conducting business in the same industry.
constitute your Agreement to accept American Express® Cards in the
United States, Puerto Rico, the U.S. Virgin Islands, and other U.S. Other defined terms appear in italics in the body of this Agreement.
territories, and in Canada. By accepting our Cards you agree to be bound
by this Agreement. c. List of Affiliates. You must provide to us a list of your Affiliates
conducting business in your industry and notify us of any subsequent
b. Definitions. changes in the list. You must notify us if you have any Establishments in
Canada and cause them to comply with an addendum to this Agreement
Affiliate means any entity that controls, is controlled by, or is under governing Card acceptance there. You must notify us if you have any
common control with either party, including its subsidiaries. Establishments in Puerto Rico, the U.S. Virgin Islands, and any other U.S.
territory, or in another area where the U.S. dollar is the local currency, as our
Agreement means this document, the accompanying Schedules A and B, Discount Rates, fees, and payment terms for Card acceptance may be
and our other policies and procedures (which we may amend from time different there. We will notify you of those terms.
to time).
d. For Your Use Only. This Agreement covers only you. You must not
American Express Card and Card mean any card, account access device, obtain Authorizations, submit Charges or Credits, or receive payments on
or payment device bearing our or our Affiliates’ Marks. behalf of any other party.
Cardmember means the person whose name appears on the Card. 2. ACCEPTING THE CARD
Charge means a payment or purchase made on the Card. Card Present a. Acceptance. You must accept the Card as payment for goods and
Charge means a Charge for which the Card is presented at the point of services sold at all of your Establishments. You agree that Sections 2.a.
purchase. Card Not Present Charge means a Charge for which the Card is through 2.d. are reasonable and necessary to protect the Cardmember’s
not presented at the point of purchase (e.g., Charges by mail, telephone, choice of which Card to use and that charge and credit Cards, including
fax or the Internet), is used at unattended Establishments (e.g., customer corporate Cards, are interchangeable. You are jointly and severally liable
activated terminals, called CATs), or for which the transaction is key- for the obligations of your Establishments under this Agreement.
entered. Disputed Charge means a Charge about which a claim,
complaint, or question has been brought. b. Communicating Payment Methods. Whenever you communicate the
payment methods you accept to customers, you must indicate your
Chargeback (sometimes called “full recourse” or “Full Recourse” in our acceptance of the Card and display our Marks (including any Card
materials), when used as a verb, means our reimbursement from you for application forms we may provide you) according to our guidelines and as
the amount of a Charge subject to such right; when used as a noun means prominently and in the same manner as any other charge, credit, debit,
the amount of a Charge subject to reimbursement from you. Immediate stored value or smart cards, account access devices, or other payment
Chargeback (sometimes called “Immediate Full Recourse” in our cards, services, or products (collectively, Other Payment Products).
materials) means our right to Chargeback immediately and irrevocably
without first contacting you or sending you an inquiry and for which you c. Conduct with Cardmembers. You must not (i) try to dissuade
have no right to present any written response to dispute the Chargeback. Cardmembers from using the Card; (ii) criticize or mischaracterize the Card
or any of our services or programs; (iii) try to persuade or prompt
Credit means the amount of the Charge that you refund to Cardmembers Cardmembers to use any Other Payment Products or any other method of
for purchases or payments made on the Card. payment (e.g., payment by check); (iv) impose any restrictions, conditions,
or disadvantages when the Card is accepted that are not imposed equally
Establishments means all of your and your Affiliates’ locations, outlets, on all Other Payment Products; or (v) promote any Other Payment Products
websites, online networks, and all other methods for selling goods and (except your own card that you issue for use solely at your
services, including methods that you adopt in the future. Establishment Establishments) more actively than you promote the Card.
Number (sometimes called the “merchant” or “SE” number in our
materials) is the unique number we assign to your Establishment; if you d. Other Conduct. You must not (i) engage in activities that harm our
have more than one Establishment, we may assign to each a separate business or brand; or (ii) indicate or imply that you prefer, directly or
Establishment Number. indirectly, any Other Payment Products over the Card.
Marks mean names, logos, service marks, trademarks, trade names, e. Prohibited Uses. You must not accept the Card for: (i) damages,
taglines, or other proprietary designations. losses, penalties, or fines of any kind; (ii) costs or fees over the normal
price of your goods or services (plus applicable taxes) or Charges that
Cardmembers have not specifically approved; (iii) overdue amounts, or
21144 G (10/06) Page 1
USamounts covering returned or stop-payment checks; (iv) gambling services b. Discount, Fees and Discount Rate. The Discount is the amount we
(including online gambling), gambling chips, or gambling credits; or lottery charge you for accepting the Card and will be: (i) a percentage (Discount
tickets; (v) adult digital content sold via Internet Electronic Delivery Rate) of the face amount of Charges you submit; or for some Prepaid
Transactions; (vi) cash; (vii) sales made by third parties or entities Cards a flat transaction fee, or a combination of both; and/or (ii) a monthly
conducting business in industries other than yours; (viii) amounts that do flat fee (Flat Fee) if you meet our requirements. Charges for which you
not represent bona fide sales of goods or services at your Establishments, have not obtained Authorization or that are not submitted electronically
e.g., purchases at your Establishments by your owners (or their family are subject to supplemental fees. Your initial Discount is indicated in this
members) or employees contrived for cash flow purposes; (ix) illegal Agreement or otherwise provided to you in writing by us. We may adjust
business transactions; or (x) other items of which we notify you. You must these amounts, change any other amount we charge you for accepting the
not use the Card to verify your customer’s age. Card, and charge additional fees and assessments from time to time. We
may charge you different Discount Rates for Charges submitted by your
3. SUBMITTING CHARGES AND CREDITS TO US Establishments that are in different industries. We will notify you of such
a. Currency and Charge Submissions. Your Establishments in the United fees and assessments and any different Discount Rates that apply to you.
States, Puerto Rico, the U.S. Virgin Islands, and other U.S. territories must
submit Charges and Credits in U.S. dollars. Your Establishments in c. Corporate Purchasing Card. If you meet the requirements in Schedule
Canada must submit Charges and Credits in Canadian dollars. You must A, paragraph 1.c., we may reduce your Discount Rate for Charges made
submit all Charges to us within seven days of the date they are incurred, on our Corporate Purchasing Card (CPC). This reduction will not apply if
provided that you must wait to submit Charges until after you have your Discount is a Flat Fee or a flat Prepaid Card transaction fee.
shipped the goods or provided the services to the Cardmember.
d. Notice of Error or Omission. You must notify us in writing of any error
b. Credit Submissions. You must submit Credits to us within seven days or omission in respect of your Discount or other fees or payments for
of determining that a Credit is due and create a record of Credit that Charges, Credits or Chargebacks within ninety days of the date of the
complies with our requirements (Credit Record). You must not issue a statement containing such claimed error or omission or we will consider
Credit when there is no corresponding Charge. We will deduct the full the statement to be conclusively settled as complete and correct in
amount of the Credit from our payment to you (or debit your Account, respect of such amounts.
defined below), but if we cannot, then you must pay us promptly upon
receipt of our invoice. You must submit all Charges and Credits under the e. Payments in Error. If we determine at any time that we have paid you
Establishment Number of the Establishment where the Charge or Credit in error, we may exercise Chargeback to recover such erroneous payment.
originated. If you receive any payment from us not owed to you under this
Agreement, you must immediately notify us (by calling our telephone
c. Credit to Card Account. You must issue Credits to the Card account service center) and your Processor (meaning your intermediary that we
used to make the original purchase, unless it was made with a Prepaid have certified for obtaining Authorizations from and submitting Charges
Card (meaning Cards marked “prepaid” or bearing such other identifier as and Credits to us) and return such payment to us promptly. Whether or not
we may notify you) that is no longer available or unless the Credit is for a you notify us, we have the right to withhold future payments to you or
gift that is being returned by someone other than the Cardmember that debit your Account until we fully recover the amount. We have no
made the original purchase, in which case you may apply your refund obligation to pay any party other than you under this Agreement.
policy. Charges and Credits will be deemed accepted on a given business
day if processed by us before our cut off for processing Charges and f. Collecting from Cardmembers. You must not bill or collect from any
Credits for that day at the relevant location. Cardmember for any purchase or payment made on the Card unless we
have exercised Chargeback for such Charge, you have fully paid us for
d. No Cash Refunds. You must not give cash refunds to Cardmembers for such Charge, and you otherwise have the right to do so.
goods or services they purchase on the Card, unless required by law. Your
5. CHARGEBACK
refund policy for purchases on the Card must be at least as favorable as
your refund policy for purchases on Other Payment Products or other a. When Chargeback Applies. We have Chargeback rights: (i) whenever
payment methods. You must disclose your refund policy to Cardmembers Cardmembers bring Disputed Charges, as described in Schedule A,
at the time of purchase and in compliance with applicable law. paragraph 5, or have rights under law to withhold payments; (ii) in cases
of actual or alleged fraud relating to Charges; (iii) if you do not comply
4. PAYMENT FOR CHARGES with this Agreement (including omitting any Transmission Data from
a. Currency and Payment Amount. We will pay you according to your Charge submissions), even if we had notice when we paid you for a
payment plan in U.S. dollars for the face amount of Charges submitted Charge that you did not so comply and even if you obtained Authorization
from your Establishments in the United States, Puerto Rico, the U.S. Virgin for the Charge in question; or (iv) as provided elsewhere in this
Islands, and other U.S. territories less: (i) the Discount, (ii) any amounts Agreement.
you owe us or our Affiliates, (iii) any amounts for which we have
Chargebacks, and (iv) any Credits you submit. We will pay you according b. How We Chargeback. We may Chargeback by deducting, withholding,
to your payment plan in Canadian dollars for the face amount of Charges recouping from, or offsetting against our payments to you (or debiting
submitted from your Establishments in Canada less (i) – (iv) above. your Account), or we may notify you of your obligation to pay us, which
you must do promptly and fully. Our failure to demand payment does not
waive our Chargeback rights.
21144 G (10/06) Page 2
US6. PROTECTIVE ACTIONS b. Our Notice Address. Unless we notify you otherwise, you will send
notices to us at:
a. Creating a Reserve. Regardless of any contrary provision in this
Agreement, we have the right in our sole discretion to determine that it is American Express Travel Related Services Company, Inc.
necessary to have some security for your or any of your Affiliates’ P.O. Box 53773
obligations to us or any of our Affiliates, under this Agreement or any Phoenix, AZ 85072
Other Agreement. If we so determine, we may: (i) withhold and offset Attn: Department 87
amounts from payments we otherwise would make to you under this
Agreement; or (ii) require you to deposit funds with us. Such amounts or E-mail: American.Express.Contract.Keying@aexp.com
funds are called a Reserve. Other Agreement means any agreement other Fax: (602) 744-8413
than this Agreement between (i) you or any of your Affiliates and (ii) us or Tel: (800) 528-5200
any of our Affiliates.
c. Your Notice Address. We will send notice to you at the address, e-
b. Trigger Events for Reserve. Some of the events that may cause us to mail address, or facsimile number you indicated on your application to
establish a Reserve include: (i) your ceasing a substantial portion of or accept the Card. You must notify us immediately of any change in your
adversely altering your operations; (ii) your selling all or substantially all notice address.
of your assets or any party acquiring 25% or more of the equity interests
issued by you (other than parties currently owning 25% or more of such 8. INDEMNIFICATION AND LIMITATION OF LIABILITY
interests), whether through acquisition of new equity interests, previously a. Indemnity. You will indemnify, defend, and hold harmless us and our
outstanding interests, or otherwise; (iii) your suffering a material adverse Affiliates, successors, and assigns from and against all damages,
change in your business; (iv) your becoming insolvent; (v) our receiving a liabilities, losses, costs, and expenses, including legal fees, arising or
disproportionate number or amount of Disputed Charges at your alleged to have arisen from your breach, negligent or wrongful act or
Establishments; or (vi) our reasonable belief that you will not be able to omission, failure to perform under this Agreement, or failure in the
perform your obligations under this Agreement, under any Other provision of your goods or services.
Agreement, or to Cardmembers.
b. Limitation of Liability. In no event will we or our Affiliates, successors,
c. Setting-Up a Reserve. If an event leads us to believe that we need to or assigns be liable to you for any incidental, indirect, speculative,
create a Reserve, then we may immediately establish a Reserve or consequential, special, punitive, or exemplary damages of any kind
terminate this Agreement. We will inform you if we establish a Reserve. (whether based in contract, tort, including negligence, strict liability,
We may increase the amount of the Reserve at any time as long as the fraud, or otherwise, or statutes, regulations, or any other theory) arising
amount of the Reserve will not exceed an amount sufficient, in our out of or in connection with this Agreement, even if advised of such
reasonable judgment, to satisfy any financial exposure or risk to us under potential damages. Neither you nor we will be responsible to the other for
this Agreement (including from Charges submitted by you for goods or damages arising from delays or problems caused by telecommunications
services not yet received by Cardmembers) or to us or our Affiliates under carriers or the banking system, except that our rights to create Reserves
any Other Agreement, or to Cardmembers. and exercise Chargebacks will not be impaired by such events.
d. Other Protections. We may deduct and withhold from, and recoup and 9. TERM AND TERMINATION
offset against, the Reserve any amounts you or any of your Affiliates owe
us or any of our Affiliates under this Agreement or any Other Agreement. a. Effective Date/Termination Date. This Agreement begins as of the
We may take other reasonable actions to protect our rights or those of date (i) you first accept the Card after receipt of this Agreement or
any of our Affiliates, including changing the speed or method of payment otherwise indicate your intention to be bound by this Agreement or (ii) we
for Charges, exercising Immediate Chargeback, or charging you fees for approve your application to accept the Card, whichever occurs first. Either
Disputed Charges. party can terminate this Agreement without cause at any time by
notifying the other party. Termination will take effect according to the
e. Providing Information. You must provide to us promptly, upon request, notice period specified in Section 7 above.
information about your finances and operations, including your most
recent certified financial statements. b. Grounds for Termination. In addition to our rights in Section 9.a.
above, we can terminate this Agreement at any time without notice to
7. NOTICES you and without waiving our other rights and remedies if you have not
submitted a Charge within any twelve month period. This Agreement is a
a. Delivery and Receipt. All notices hereunder must be in writing and contract to extend financial accommodations, and if bankruptcy or similar
sent by hand delivery; or by first class mail, postage prepaid; or by proceedings are filed with respect to your business, then this Agreement
expedited mail courier service; or by electronic mail (e-mail); or by will terminate automatically.
facsimile transmission, to the addresses set out below. Notices will be
deemed received and effective upon delivery, if hand-delivered; upon c. Post-Termination. If this Agreement terminates, without waiving our
sending, if sent by e-mail or facsimile transmission; or three days after other rights and remedies, we may withhold from you any payments until
mailing, if mailed. we have fully recovered all amounts owing to us and our Affiliates. If any
amounts remain unpaid, then you and your successors and permitted
assigns will remain liable for such amounts and will pay us within thirty
days of request. You must also remove all displays of our Marks, return
21144 G (10/06) Page 3
USour materials and equipment immediately, and submit to us any Charges e. Application of Provision. For the avoidance of any confusion, and
and Credits incurred prior to termination. not to limit its scope, this Dispute Resolution provision applies to any
putative class action lawsuit that has been filed against us prior to the
d. Surviving Provisions. The terms of all of Sections 1, 5, 6, 8, 9, 10, and effective date of this Agreement relating to the “Honor All Cards,”
11 and paragraphs 1.b., 1.h., 5, and 6 of Schedule A will survive “non-discrimination,” or “no steering” provisions of this Agreement as
termination of this Agreement. Our right of direct access to the Account described in Sections 1 and 2, or prior versions of a card acceptance
will also survive until such time as all credits and debits permitted by this agreement.
Agreement, and relating to transactions prior to the effective date of
termination, have been made. f. Equitable Relief. The arbitrator will have the power and authority to
grant equitable relief (e.g., injunction, specific performance) and,
10. DISPUTE RESOLUTION cumulative with all other remedies, will grant specific performance
a. Arbitration Rights. All Claims arising out of or in connection with this whenever possible. The arbitrator will have no power or authority to alter
Agreement will be resolved, upon your or our election, through arbitration this Agreement or any of its separate provisions, including this Dispute
pursuant to this section rather than by litigation. Claim means any claim Resolution section, nor to determine any matter or make any award
(including initial claims, counterclaims, cross-claims, and third party except as provided in this section.
claims), dispute, or controversy between you and us arising from or
relating to this Agreement, or the relationship resulting from this g. Small-Claims Court. We will not elect to use arbitration under this
Agreement, whether based in contract, tort (including negligence, strict section for any individual Claim that you properly file in a small claims
liability, fraud, or otherwise), statutes, regulations, or any other theory. court so long as the Claim is pending only in that court. Injunctive relief
sought to enforce the confidentiality provisions of this Agreement will not
b. Arbitration Rules/Organizations. The party asserting the Claim will be subject to the requirements of this section. This section is not intended
select one of the following arbitration organizations, which will apply its to, and does not, substitute for our ordinary business practices, policies,
rules in effect at the time the Claim is filed. In the event of an and procedures, including our rights to Chargeback and to create
inconsistency between this section and any rule or procedure of the Reserves.
arbitration organization, this section will control. The party asserting the
Claim will simultaneously notify the other party of its selection. If our h. Governing Law/Appeal/Entry of Judgment. This section is made
selection is not acceptable to you, then you may select another of the pursuant to a transaction involving interstate commerce and will be
following organizations within thirty days after you receive notice of our governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16 (FAA). The
initial selection. Any arbitration hearing that you attend will take place in arbitrator will apply New York law and applicable statutes of limitations,
the federal judicial district where your headquarters is located. honor claims of privilege recognized by law and, at the timely request of
either party, provide a written and reasoned opinion explaining his or her
• National Arbitration Forum (NAF); P.O. Box 50191, Minneapolis, MN decision. The arbitrator will apply the rules of the arbitration organization
55404-0191; (800) 474-2371; www.arbitration-forum.com selected, as applicable to matters relating to evidence and discovery, not
the federal or any state rules of civil procedure or rules of evidence. The
• American Arbitration Association (AAA): 335 Madison Avenue, New arbitrator’s decision will be final and binding, except for any rights of
York, NY 10017; (800) 778-7879; www.adr.org appeal provided by the FAA or if the amount of the award exceeds US
$100,000, either party can appeal that award to a three-arbitrator panel
c. Limitation of Rights. IF ARBITRATION IS CHOSEN BY ANY PARTY administered by NAF or AAA, as applicable, which will reconsider de novo
WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE any aspect of the initial award requested by majority vote and whose
RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON decision will be final and binding. The decision of that three person panel
THAT CLAIM, OR TO ENGAGE IN PRE-ARBITRATION DISCOVERY EXCEPT may be appealed as provided by the FAA. The costs of such an appeal will
AS PROVIDED FOR IN THE RULES OR PROCEDURES OF NAF OR AAA, AS be borne by the appellant regardless of the outcome of the appeal. The
APPLICABLE. FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE arbitration proceeding and all testimony, filings, documents, and any
IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF information relating to or presented during the proceedings will be
CLAIMANTS PERTAINING TO ANY CLAIM. NOTE THAT OTHER RIGHTS deemed to be confidential information not to be disclosed to any other
THAT YOU WOULD HAVE IN COURT MAY ALSO NOT BE AVAILABLE IN party. Judgment upon the award rendered by the arbitrator may be
ARBITRATION. entered in any state or federal court in the federal judicial district where
your headquarters or your assets are located.
d. Individually Named Parties Only. All parties to the arbitration must be
individually named. There will be no right or authority for any Claims to be i. Confidential Proceedings. All offers, promises, conduct, and
arbitrated or litigated on a class-action or consolidated basis, on behalf of statements, whether written or oral, made in the course of the
the general public or other parties, or joined or consolidated with claims negotiations, arbitrations, and proceedings to confirm arbitration awards
of other parties, and you and we are specifically barred from doing so. by either party, its agents, employees, experts or attorneys, or by the
This prohibition is intended to, and does, preclude any trade association arbitrator, including any arbitration award or judgment related thereto,
or other organization from arbitrating any Claim on a representative basis are confidential, privileged, and inadmissible for any purpose, including
on behalf of the organization’s members. The arbitrator’s authority to impeachment or estoppel, in any other litigation or proceeding involving
resolve Claims is limited to Claims between you and us alone, and the any of the parties or non-parties, provided that evidence that is otherwise
arbitrator’s authority to make awards is limited to awards to you and us admissible or discoverable will not be rendered inadmissible or non-
alone. discoverable as a result of its use in the negotiation or arbitration.
21144 G (10/06) Page 4
USj. Split Proceedings for Equitable Relief. Either you or we may seek reference to any agreement (including this Agreement), instrument,
equitable relief in arbitration prior to arbitration on the merits to preserve contract, policy, procedure, or other document refers to it as amended,
the status quo pending completion of such process. This section may be supplemented, modified, suspended, replaced, restated, or novated from
enforced by any court of competent jurisdiction, and the party seeking time to time; and (vi) all captions, headings, and similar terms are for
enforcement will be entitled to an award of all costs, including legal fees, reference only.
to be paid by the party against whom enforcement is ordered.
g. Assignment. You may not assign this Agreement without our prior
11. MISCELLANEOUS written consent. We may assign this Agreement to our Affiliates without
a. Confidentiality. You must keep confidential and not disclose to any your consent. Except as otherwise specified herein, this Agreement binds,
third party the terms of this Agreement and any information that you and inures to the benefit of, the parties and their respective successors
receive from us that is not publicly available. and permitted assigns.
b. Proprietary Rights and Permitted Uses. Neither party has any rights in h. Waiver; Cumulative Rights. Either party’s failure to exercise any of its
the other party’s Marks, nor may one party use the other party’s Marks rights under this Agreement, its delay in enforcing any right, or its waiver
without its prior written consent, except that we may use your name, of its rights on any occasion, will not constitute a waiver of such rights on
address, (including your website addresses or URLs), and customer any other occasion. No course of dealing by either party in exercising any
service telephone numbers in any media at any time. Any information of its rights will constitute a waiver thereof. No waiver of any term of this
about Cardmembers and Card transactions, including the names, Agreement will be effective unless it is in writing and signed by the party
addresses, account numbers and Card Identification Numbers (CIDs) against whom the waiver is sought to be enforced. All rights and
(collectively, Cardmember Information) are confidential and our sole remedies of the parties are cumulative, not alternative.
property. Except as otherwise specified, you must not disclose
Cardmember Information, nor use it other than to facilitate Card i. Savings Clause. If any term of this Agreement is held by a court of
transactions in accordance with this Agreement. competent jurisdiction to be illegal or unenforceable, that term will be
replaced by an enforceable term most closely reflecting the parties’
c. Your Representations and Warranties. You represent and warrant to intentions, with the balance of the Agreement remaining unaffected.
us that: (i) you are duly qualified and licensed to do business in all
jurisdictions in which you conduct business; (ii) you have full authority and j. Amendments. We may change this Agreement at any time (including
all necessary assets and liquidity to perform your obligations and pay your by amending any of its terms, adding new terms, or deleting or modifying
debts hereunder as they become due; (iii) there is no circumstance existing terms) on at least ten days’ prior notice to you.
threatened or pending that might have a material adverse effect on your
k. Entire Agreement. This Agreement is the entire agreement between
business or your ability to perform your obligations or pay your debts
you and us regarding the subject matter hereof and supersedes any
hereunder; (iv) you are authorized to enter into this Agreement on behalf
previous agreements, understandings, or courses of dealing regarding the
of your Establishments and Affiliates, including those indicated in this
subject matter hereof.
Agreement, and the individual who signs this Agreement or otherwise
enters into it has authority to bind you and them to it; (v) you are not listed l. Verification and Disclosure of Information. We obtain information
on the United States Department of Treasury, Office of Foreign Assets about you, including your taxpayer identification number, from your
Control, Specially Designated Nationals List; (vi) you have not assigned to Application to accept the Card and from other sources, e.g., credit
any third party any payments due to you under this Agreement; (vii) all reporting agencies and providers of business information. We may
information that you provided in connection with this Agreement is true, request from consumer or commercial credit reporting agencies or other
accurate, and complete; and (viii) you have read this Agreement and kept investigative agencies an investigative or consumer report about the
a copy for your file. If any of your representations or warranties in this commercial or personal finances of you, any person signing the
Agreement becomes untrue, inaccurate, or incomplete at any time, we Application/Set Up page of this Agreement, if applicable, and any person
may immediately terminate this Agreement in our discretion. providing us with permission to obtain such information in connection
with this Agreement. We may disclose information about you or such
d. Compliance with Laws. You will comply with all applicable laws,
persons to our agents, subcontractors, Affiliates, and other parties for any
regulations, and rules.
purpose permitted by law, including debt collection, fraud prevention, and
e. Governing Law; Jurisdiction. This Agreement is governed by and will risk reduction. You authorize and direct us to inform such persons directly,
be construed according to the laws of the State of New York without or through yourself, of reports about such persons that we have requested
regard to internal principles of conflicts of law. Subject to Section 10, any from such agencies. Such information will include the name and address
action by either party will be brought in the appropriate federal or state of the agency furnishing the report.
court located in the County and State of New York. Each party consents
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
to the exclusive jurisdiction of such court and waives any claim of lack of
jurisdiction or forum non conveniens. By:
f. Interpretation. In construing this Agreement, unless the context
requires otherwise: (i) the singular includes the plural and vice versa; (ii)
the term “or” is not exclusive; (iii) the term “including” means “including, William H. Glenn, President
but not limited to”; (iv) the term “day” means “calendar day”; (v) any Establishment Services North America and
Global Merchant Network Group
21144 G (10/06) Page 5
USSchedule A
Operational and Other Procedures
1. CHARGE RECORDS e. Card Not Present Charges – General. For Card Not Present Charges,
you must: (i) create a Charge Record as described above, except with a
a. Format. For every Charge, you must create an electronically designation of “Mail Order,” “Telephone Order,” “Internet Order,” or
reproducible record of Charge (Charge Record) containing the following “Signature on File,” as applicable, on the signature line or the appropriate
information (Card Data): (i) Cardmember name and full Card account electronic descriptor on the Charge Record; (ii) ask the Cardmember for
number and expiration date via an imprinter or other point of sale his or her name as it appears on the Card, the Card account number and
equipment or systems; (ii) the date the Charge was incurred; (iii) the expiration date, the Cardmember’s billing address, and the ship-to
amount of the Charge that must be the total price for the purchase of the address; and (iii) obtain Authorization as described below. We have the
goods or services plus applicable taxes and gratuities purchased on the right to Chargeback for any Card Not Present Charge that the Cardmember
Card; (iv) the six-digit Authorization approval code number; (v) a mutually denies making or authorizing. We will not Chargeback for such Charges
acceptable description of the goods or services purchased by the based solely upon a Cardmember claim that he or she did not receive the
Cardmember; (vi) an imprint or other registration of your name, address, disputed goods if you have verified with us that the address to which the
Establishment Number and, if applicable, store number; (vii) the goods were shipped is the Cardmember’s billing address and obtained a
Cardmember’s signature; (viii) the words “No Refunds” if you have a no receipt signed by the authorized signer verifying the delivery of the goods
refund policy; and (ix) all other information as required from time to time to such address.
by us or applicable law. You may create multiple Charge Records for a
single purchase placed on different Cards, but you must not create f. Card Not Present Charges – Internet. We will accept Charges for
multiple Charge Records for a single purchase to the same Card, by Internet Orders subject to the requirements of subsection e. above and
dividing the purchase into more than one Charge. the following additional requirements. You must: (i) not send Card Data or
Transmission Data concerning any Internet Order via the Internet or any
b. Retaining Documents. You must retain the original Charge Record or other electronic mail medium to anyone other than the Cardmember who
Credit Record (as applicable) and all documents evidencing the made the Internet Order, your Processor, or us; (ii) submit all Charges for
transaction, or reproducible records thereof, for twenty-four months from Internet Orders electronically; (iii) use any separate Establishment
the later of the date you submitted the corresponding Charge or Credit to Numbers that we provide you for Internet Orders in all your requests for
us or the date you fully delivered the goods or services to the Authorization and submissions of Charges for Internet Orders; (iv) provide
Cardmember. You must provide a copy of the Charge Record or Credit us with at least one month’s prior written notice of any change in your
Record and other supporting documents to us within twenty days of our Internet address; and (v) comply with any additional requirements that we
request. may have from time to time. We will not be liable for actual or alleged
fraudulent transactions over the Internet and we will have the right to
c. CPC Charges. In order for us to reduce your Discount Rate for CPC
Chargeback for those Charges. Additionally, if a Disputed Charge arises
Charges (if applicable), you must capture additional or reformatted Card
involving a Card Not Present Charge that is an Internet Electronic Delivery
Data on the Charge Record, and Transmission Data on the Transmissions,
Transaction, we will exercise Immediate Chargeback for the full amount
according to our specifications, including (as applicable): (i) the sales tax;
of the Charge. An Internet Order occurs when Card payment information
(ii) the ship-to zip code; (iii) Corporate Purchasing Cardmember reference
is taken via the World Wide Web, online (usually via a website payment
information; (iv) the name of the Corporate Purchasing Cardmember’s
page), e-mail, intranet, extranet, EDI or other similar network in payment
employer; and (v) any other information requested by us or our CPC
for goods or services. An Internet Electronic Delivery Transaction occurs
customers from time to time. You must obtain Authorization for and
when goods or services are ordered online and electronically delivered
submit each CPC Charge to us electronically according to our
online (e.g., images or software downloads).
specifications. We may modify the preceding requirements from time to
time. g. Unattended Terminals - CATs and Payment Kiosks. We will accept
Charges for purchases at your unattended CATs or payment kiosks subject
d. Card Present Charges. For Card Present Charges, you must: (i) verify
to the requirements of subsection e. above and the following additional
that the Card is not visibly altered or mutilated; (ii) ensure that the Card
requirements. You must: (i) include in all requests for Authorization the
is being used within any valid dates shown on its face; (iii) ensure that the
full magnetic stripe data stream; (ii) flag all requests for Authorization
account number on the face of the Card matches the account number on
with a CAT indicator; and (iii) follow any additional Authorization
its back; (iv) verify that the Card is signed in the same name as the name
procedures that we may provide to you if you accept the Card at a CAT
on its face (except for Prepaid Cards that show no name on their face); (v)
that is part of, or attached to, a fuel dispenser.
create a Charge Record as described above and verify (1) that the
Cardmember’s name and signature on the Charge Record matches the h. Recurring Billing Charges. If you offer Cardmembers the option to
name and signature on the Card (or, for a Prepaid Card that shows no make recurring Charges automatically (Recurring Billing Charges), you
name on its face, that the signature on the back of such Prepaid Card must: (i) obtain the Cardmember’s consent for you to bill his or her Card
matches the signature on the Charge Record) and (2) that the Card account before submitting the first Recurring Billing Charge, and (ii) notify
account number and expiration date printed on the Charge Record Cardmembers that they can withdraw such consent at any time. The
matches the expiration date and account number on the Card; and (vi) method you use to secure such consent must contain a disclosure that you
obtain Authorization as described below. may receive updated Card account information from the financial
institution issuing the customers’ Cards. You must retain evidence of such
21144 G (10/06) Page 6
USconsent for twenty-four months from the date you submit the last 3. SUBMITTING CHARGES AND CREDITS ELECTRONICALLY
Recurring Billing Charge. Before submitting a Recurring Billing Charge, a. Electronic Transmissions. You must submit Charges and Credits
you must obtain Authorization and complete a Charge Record except with electronically (Charge Data) over communication lines (Transmissions).
the words “Signature on File,” if applicable, on the signature line or the Transmissions must comply with the specifications that we provide from
appropriate electronic descriptor on Charge Data. If this Agreement time to time, including the following information (Transmission Data):
terminates for any reason, then you must notify all Cardmembers for The same as the Card Data requirements listed in Schedule A, paragraph
whom you have submitted Recurring Billing Charges that you no longer 1.a., except for the requirements to include (i) Cardmember name, (ii) Card
accept the Card. The cancellation of a Card account constitutes account expiration date, (iii) the Cardmember’s signature and (iv) the
immediate cancellation of that Cardmember’s consent for Recurring words “No Refunds” if you have a no refund policy. We need not accept
Billing Charges. We need not notify you of such cancellation, nor will we any non-compliant Transmissions and have the right to assess non-
have any liability to you arising from such cancellation. You must fulfill compliance fees. You must place additional, less, or reformatted
Cardmembers’ requests that you discontinue the Recurring Billing information on Transmissions within thirty days’ written notice from us.
Charges immediately and provide cancellation numbers to them. If a Card Even if you transmit Charge Data and Transmission Data electronically,
account is cancelled, or if a Cardmember withdraws consent to Recurring you must still complete and retain Charge Records and Credit Records.
Billing Charges, you are responsible for arranging another form of
payment (as applicable) with the Cardmember. You will permit us to b. Paper Submissions. If you should, under extraordinary circumstances,
establish a hyperlink from our website to your website (including its home submit Charges and Credits on paper, you must submit Charge Records
page, payment page or its automatic/recurring billing page) and list your and Credit Records in accordance with our instructions.
customer service contact information.
c. Processor. You may retain, at your expense, a Processor (sometimes
2. AUTHORIZATION called an “Authorized Gateway Provider” in our materials) which
a. Approval Code Number. You must obtain from and submit to us a six- (together with any of your other Covered Parties) you must ensure
digit authorization approval code number (Authorization) for all Charges. cooperates with us to enable your Card acceptance. You are responsible
Each Authorization request must include the full Card account number and and liable for any problems or expenses caused by your Processor and for
be for the total price of your goods or services plus applicable taxes, any fees that your Processor charges us or that we incur as a result of
except for a Prepaid Card that does not have sufficient funds available to your Processor’s system for transmitting requests for Authorizations and
cover that amount; in this event, Authorization is required only for the Charge Data to us. We may bill you for any fees or deduct them from our
amount of funds used on the Prepaid Card and you may follow your policy payments to you. You must provide us on request with all relevant
on combining payment on Prepaid Cards with any Other Payment Products information about your Processor.
or methods of payment. If the other payment method is a Card, then this
Agreement applies. Authorization does not guarantee that we will accept d. Configuring Our Communications. The above notwithstanding, if
the Charge without exercising Chargeback, nor is it a guarantee that the commercially reasonable and not prohibited by any of your other
person making the Charge is the Cardmember or that you will be paid. agreements, you will work with us to configure your card authorization,
settlement, and point of sale equipment or systems to communicate
b. Thirty-Day Limit. If you submit a Charge to us more than thirty days directly with our systems for Authorizations and submissions of Charge
from the original Authorization date, you must obtain a new Authorization Data.
approval code number. For Charges of goods or services that are shipped
or provided more than thirty days after an order is placed, you must obtain 4. PAYMENT METHOD
Authorization for the Charge at the time the order is placed and again at a. Electronic Pay Program. You must participate in our Electronic Pay
the time you ship or provide the goods or services to the Cardmember. program unless you do not have (or cannot obtain) a bank account or your
bank does not have access to the Federal Reserve System to receive
c. Magnetic-Stripe Data. If you process Card Present Charges transactions via an automated clearing house (ACH). If you do not
electronically, you must transmit full magnetic stripe data with your participate in the Electronic Pay program, we will charge you a fee
Authorization request via a Card swipe through your point of sale (currently ninety-five U.S. cents per check), for paying you by check. If you
equipment or systems. If the magnetic stripe is unreadable and you have participate in our Electronic Pay program but do not submit Charge Data
to key-enter the transaction to obtain an Authorization, you must take a electronically, we will charge you a fee (currently 0.15% of the face
manual imprint of the Card to validate Card presence. If you do not take a amount of the Charge).
manual imprint for any keyed transaction, we will have a right to
Chargeback such Charge. b. Payment Procedures. We will send payments for Charges from your
Establishments in the United States electronically via ACH to the demand
d. Telephone Authorization. If your point of sale equipment or system is deposit account (Account) you designate at a bank in the United States
unable to reach our computer authorization system for Authorization, or (Bank) that participates in ACH. You must provide us with your Bank’s
you do not have such equipment or systems, you must obtain name and ABA (bank routing) number and your Account’s DDA (bank
Authorization for all Charges by calling us at our Authorization telephone account) number, and you must notify your Bank that we will have access
number. We will charge you a fee (currently sixty-five U.S. cents) for each to your Account for debiting and crediting the Account. Unless you and we
Charge for which you request Authorization by telephone unless such agree otherwise, we will initiate ACH payment to your Account within
failure to obtain Authorization electronically is due to the unavailability or three days (excluding Sundays and Federal Reserve holidays) of our cut-
inoperability of our computer authorization system. off for receiving and processing Charges. If your payment date falls on a
day that our bank is not open for processing ACH payments, we will
21144 G (10/06) Page 7
USYou can also read
