Update: We are working closely with AMEX and our Development team is investigating why the accounts are not boarding on the AMEX side. That is the reason why the AMEX transactions are declining. This issue is due to new logic that rolled out on the AMEX side. We will keep you updated and we apologize for the inconvenience.
Posted Jun 17, 2026 - 13:52 MDT
Update
Update: We are working closely with AMEX and our Development team is investigating why the accounts are not boarding on the AMEX side. That is the reason why the AMEX transactions are declining. This issue is due to new logic that rolled out on the AMEX side. We will keep you updated and we apologize for the inconvenience.
Posted Jun 17, 2026 - 13:51 MDT
Monitoring
Effective May 28th, AMEX made some changes to required data that they need to receive from the processor for compliance reasons:
*Requirement: American Express requires that any merchant processing American Express transactions must be boarding at American Express.
Before changes made on May 28 AMEX allowed merchants transactions to process without registration.
*After Changes: New merchants: American Express will allow transactions to process for 10 days, after the 10 days merchants will start receiving declines on transactions.
Existing merchants: Any merchant that did not get boarded with American Express will start receiving declines on transactions.
AMEX current issues:
Compliance was working on a project to identify accounts who processed AMEX transactions that did not meet the new AMEX data requirements.
In essence, we made changes to accounts and inadvertently changed the data on incorrect accounts by accident, in an effort to get the accounts in compliance for AMEX. The data has since been corrected.
Below fields need to be added via TT 42, for any account that is not able to process AMEX transactions:
Required AMEX fields:
Account ID Business Legal Name Doing Business As (DBA) Name Business Address Business email address (cannot contain any special characters, except for "@") Business City Region Business Postal Code Business Country Code Currency Code Merchant Category Code (MCC) Authorized Signer First Name Authorized Signer Last Name Authorized Signer Country Code business Phone number Fed TAX ID or SS#
Any account that does not meet these new requirements, will see that their processing has been disabled by AMEX.
Posted Jun 16, 2026 - 10:36 MDT
This incident affects: Production Processing Solutions (Direct Credit Card and ACH Processing) and Production Supporting Solutions (Regulatory Updates).