Does Shopify Take Amex? A Comprehensive Guide for Merchants and Shoppers

Table of Contents

  1. Introduction
  2. The Landscape of Shopify Payments
  3. Advantages of Using Shopify Payments
  4. Understanding the Fine Print
  5. FAQs
  6. Conclusion

When setting up an online store or shopping online, one crucial consideration is the range of payment methods available. American Express, known for its premium credit services and benefits to cardholders, is a particular point of interest for many. If you’re wondering whether Shopify, one of the leading ecommerce platforms, accepts American Express for transactions, you’re in the right place.


In this rapidly changing digital world, the boundaries of online purchasing are continually expanding. With a few clicks, shoppers have access to global markets, and for businesses, the potential customer base has never been larger. Yet, underlying this convenience is the critical infrastructure of payment processing. A service that’s not often spotlighted—yet is fundamental to every transaction—is the range of payment options an ecommerce platform like Shopify allows. Does Shopify take Amex? Knowing the answer not only impacts millions of shoppers worldwide but also thousands of merchants who use Shopify to power their businesses.

In this blog post, we’ll peel back the layers to understand Shopify's payment ecosystem, specifically focusing on American Express. We’ll weave through the intricacies of Shopify Payments, the benefits and considerations for merchants, and offer insights on managing payments to enhance customer experience. By the end of this read, you’ll have a well-rounded understanding of Shopify’s compatibility with American Express, along with practical tips for both merchants and shoppers.

The Landscape of Shopify Payments

Shopify's built-in payment solution, Shopify Payments, simplifies online transactions for merchants and customers alike. By seamlessly integrating payment processing into its platform, Shopify enables businesses to accept a variety of payment methods directly from the moment their store goes live.

Acceptable Payment Methods on Shopify

Shopify Payments is adept at handling a wide range of payment options. This includes major credit and debit card brands such as Visa, Mastercard, and indeed, American Express. It also broadens its horizon with the acceptance of Discover, Diners Club, Apple Pay, Google Pay, and Shop Pay. For merchants aiming to cater to a diverse clientele, Shopify’s inclusive approach to payment methods is a boon.

The American Express Detail

Yes, Shopify does accept American Express. Merchants in the United States and several other countries can offer American Express as a payment option, without additional setup. This inclusivity enhances the customer’s checkout experience by providing them with their preferred payment option, leading to higher satisfaction and potentially increased sales.

Advantages of Using Shopify Payments

Integrating American Express into your Shopify store comes with distinct advantages. Here’s why it’s beneficial:

  • Immediate Setup: Shopify Payments, including American Express, is ready to go as soon as your store is. There’s no need for third-party payment gateways or complicated setups.
  • Competitive Rates: Shopify offers transparent and competitive rates for processing payments, including those made with American Express. There are no hidden charges, and better plans offer lower rates.
  • Streamlined Experience: Having a uniform payment processor like Shopify Payments simplifies the financial aspect of your ecommerce business. Everything from payouts to refunds is managed within Shopify, providing a cohesive backend experience.

Understanding the Fine Print

While accepting American Express through Shopify is straightforward, there are some considerations merchants should be aware of:

  • Fees: Depending on your Shopify plan and the nature of the transaction (domestic or international), processing fees vary. It’s essential to understand these fees as they impact your pricing strategy and profit margins.
  • Settlement Times: Shopify Payments typically offers fast payouts, but the exact timing can depend on several factors, including bank processes and whether the transaction occurred over a weekend or holiday.


Can I disable American Express as a payment option?

Yes, merchants have the flexibility to choose which payment methods they accept. If you prefer not to accept American Express, you can disable it through the Shopify admin interface under the Payments settings.

Are there any additional requirements for accepting Amex on Shopify?

Generally, no additional requirements are needed specifically for American Express. However, merchants must complete the necessary financial information and adhere to Shopify Payments’ terms of service, which include standard compliance and anti-fraud measures.

How does accepting American Express affect my pay periods on Shopify?

Accepting American Express—or any credit card, for that matter—doesn’t directly influence your pay periods with Shopify Payments. Settlement times are standardized across payment methods, ensuring consistency for merchants.


For businesses leveraging Shopify’s robust ecommerce platform, offering American Express as a payment option is not only possible but advisable. With the seamless integration of Shopify Payments, merchants can easily cater to customers who prefer using their Amex cards due to the associated rewards or security features. By understanding the nuances of Shopify’s payment processing, including fees and pay periods, merchants can optimize their operations for both profitability and customer satisfaction.

In a world where payment preferences significantly impact purchasing decisions, providing a broad spectrum of options, including American Express, is key to unlocking a wider customer base and enhancing the overall shopping experience. Whether you’re a new merchant setting up your Shopify store or looking to refine your payment options, embracing the flexibility Shopify offers can propel your business forward in the competitive online marketplace.