American Express One AP™

From Countless Invoices to Consolidated Payments

With the trusted service and support of American Express

What is American Express One APTM1?

Our digital Accounts Payable (AP) automation solution is designed to seamlessly work with your business's existing accounting system or ERP, so you can automate vendor payments all from one platform.

From implementation to account management, our dedicated team of AP specialists can help your business increase efficiency and reduce manual processes with confidence.

Here's how it works

  1. Enroll Suppliers

    Share your supplier list with our team of AP specialists. We'll take care of onboarding them, so you can get ready to upload your payment file.

  2. Pay Your Suppliers

    Select which invoices to pay and your payments will be processed using your American Express® Card, check, or ACH.

  3. Reconcile

    Gain visibility into your transactions by supplier and payment method to help simplify reconciliation.

How can
American Express One AP™
help
your business?

Optimize Supplier Payments

Easily pay suppliers on one platform, get a consolidated view of vendor payments, and reduce time spent on manual AP tasks.

Earn Rewards2 & Manage Cash Flow

You can earn the rewards of your Card when you use it to pay your suppliers. Make the most of your American Express billing cycle to use cash on hand for your business until the payment is due.

Fees apply. Please contact your American Express representative to learn more.

Move Forward with Trusted
Service & Enhanced Security

Get access to reporting for seamless account management and reconciliation and strengthen security with unique virtual Card numbers.

Learn how successful businesses are staying ahead of the game with AP Automation.

How COVID-19 Turbocharged Digital Payment Trends

With many employees working from home due to COVID-19, companies are finding it increasingly difficult to handle AP manually, through paper checks and documents, so organizations are shifting to new digital approaches.

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Payment Solutions: How to Streamline Your AP Processes

Whether you outsource, automate or simply update your accounts payable process, finding payment solutions that streamline your AP can help make life easier.

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5 Tips to Help Digitize Your Vendor Payment Processes

Moving to a digital vendor payment solution after years of traditional methods doesn't have to be overwhelming. These tips can help keep the process streamlined.

Read More

Streamline your payment process
with the powerful backing of American Express.

Terms and Conditions


1. American Express One AP™

American Express One AP™ may not be available to all customers. To access the service, all customers will be required to enroll their eligible U.S. issued American Express® Business, Corporate, or Corporate Purchasing Card. A monthly platform access fee of $200 applies and will automatically renew each month, unless canceled. Your first 400 check transactions and first 400 automated ACH transactions each month are complimentary, after which point you will be charged a $1.00 per check and $0.35 per automated ACH transaction. Fees are subject to change. Sales tax on fees may apply. All monthly fees associated with American Express One AP™ will be auto billed to your enrolled Card on a quarterly basis. Customers may cancel by contacting their American Express® representative. To pay a supplier within American Express One AP™ with a Card, the supplier must be an American Express accepting merchant and agree to accept American Express virtual Card payments. To learn more, please contact your American Express® representative.


New York: The American Express One AP™ service is a money transmission service provided by American Express Travel Related Services Company, Inc. (American Express). This service is not available to consumers. American Express Travel Related Services Company, Inc. is licensed as a Money Transmitter by the New York State Department of Financial Services. California: The American Express One AP™ service is a money transmission service provided by American Express Travel Related Services Company, Inc. (American Express). This service is not available to consumers. Georgia: The American Express One AP™ service is a money transmission service provided by American Express Travel Related Services Company, Inc. (American Express). This service is not available to consumers. American Express Travel Related Services Company, Inc. is licensed by the Georgia Department of Banking and Finance.


For a list of our money service business licenses and information about addressing complaints and other disclosures, visit www.americanexpress.com/us/state-licensing.html.

NMLS ID # 913828


See full Terms & Conditions here.


2. Rewards

Not all Cards are eligible to get rewards. Terms and limitations vary by Card type.