How to Raise a Dispute on a BTA Charge
BTA statements are payable in full, upon receipt of the statement. For any transactions you are not paying, you are required to notify American Express and specify the dispute reason to avoid being charged a late payment fee.
If you wish to raise a dispute on a transaction appearing on your BTA statement, the disputed transaction should be clearly identified with a valid dispute reason on the Reconciliation Advice or by calling the BTA Hong Kong team prior to the next billing cycle. Please click here for a list of valid dispute reasons and support required. You must ensure you supply all necessary details and references to support your claim.
Once you advise a transaction is in dispute and if the dispute reason is valid, American Express will remove the transaction from the statement. However, if the investigation confirms that the transaction is valid, it will be re-billed to your account. All other non-disputed transactions must be paid on receipt of the BTA statement.
Payment Options
Please note that payments are due on receipt of statements. There are a number of methods for paying an American Express BTA statement:
Direct Debit (Autopay)
Your nominated bank account will be debited 14 days after your statement cut-off date. To enable this payment option, please click here to access the Direct Debit Authority Form.
Cheque
All cheques must be accompanied by a reconciliation advice and be sent to:
American Express International Inc.
G.P.O. Box 10066
Central, Hong Kong
Hong Kong
Please include BTA number(s) with the cheque (e.g. attach a list or write on the reverse side of the cheque) to ensure your account is properly credited. Please allow 7 days for receipt and allocation of cheque payments by mail.
Electronic Funds Transfer (EFT)
Pay into the American Express bank account.
Bank Name: Hong Kong and Shanghai Banking Corporation Ltd
Bank Address: 1 Queen's Road, Central Hong Kong
Account Holder Name: American Express International INC
Bank Code: 004
Account Number: 111 159604 001
Swift Code: HSBCHKHHHKH
Please email then, email the date of payment, BTA number(s) and total amount of the payment to Corporate.Remittances.HK@aexp.com and BTAHongKong@aexp.com on the same day the payment is transferred into the American Express bank account, advising the date of payment, BTA number(s) and the amount of payment.
Reconciliation Advice
A Reconciliation Advice must accompany all cheque and EFT payments if you are not paying the full account balance*. The Reconciliation Advice details all the transactions you wish to pay, and those you may wish to dispute.
If you are using a Reconciliation Advice from the paper or PDF statement, email it to bta.client.services@aexp.com on the same day the cheque is mailed or payment is transferred into the American Express bank account.
If you want to prepare your own Reconciliation Advice, please click here for instructions on how to create and send an electronic Reconciliation Advice file online.
*American Express requires this so they can accurately allocate payment to the transactions. However, there is no need for this if you pay the full statement account balance. That is, if you are not disputing or withholding payment of any particular transactions in that statement.
Missing or Misallocated Payments
If there is no Reconciliation Advice accompanying a payment, or if the Reconciliation Advice is incorrect, the payment(s) will remain unallocated. This means that the BTA may become overdue and late payment fees may apply.
Late Payment Fees
Late payment fees are easily avoided, simply by making sure the full account balance is paid upon receipt of the statement. If the account is not being paid in full, then a Reconciliation Advice must be sent to American Express, along with the matching payment, clearly indicating which transactions are being paid and which are being disputed.
If the full balance is not paid by the receipt of the next account statement, American Express may charge your Company late payment fees on the overdue balance, monthly in arrears. Payment must be made at least 3 working days before the next statement cycle ends to ensure allocation of payment.
If a BTA account is 45 days overdue for payment, late payment fees will apply, the Programme Administrator may be contacted via letter or telephone, and the account may be suspended. This will only happen after the Programme Administrator has been advised that this will occur.
Forms
Direct Debit Form
Change of Company Details Form
