CardrefresherSM
for Merchants
Cardrefresher helps you get paid on time,
and gives your customers what they want.
Overview
Why Cardrefresher?
Cardrefresher keeps the Cards in your payment system automatically updated, without interrupting billing.
Cardrefresher
benefits at a glance:
- Helps ensure uninterrupted service payments.
- Automatically updates Card details to save time on admin tasks.
- Helps improve your cash flow by processing recurring payments on time.
- Easy to integrate with most billing systems.
Here’s what you’ll do:
-
Once enrolled, send us the Card information via secure file transfer, for your Amex recurring-billing and card-on-file relationships. -
Cardrefresher reviews the list daily for customer Card changes and sends a secure file update with any updates and automatically integrates into your system. -
Add any new Cards to the system by sending us a new file to the Cardrefresher system.
Cardrefresher at work
The scenario
A monthly subscription box service has a high rate of declined payments due to expired and replaced Cards.
The solution
The company implemented Cardrefresher to automatically update customer details without requiring customer action. As a result, the box service experienced a more seamless billing experience, secured more predictable cash flow, and reduced admin work.
How to get started
Download the one-pager for simple steps on implementing Cardrefresher.
Need help? Our American Express representatives are ready to assist you.
FAQs
Merchants providing a recurring billing service, whether online or over the phone. Key industries include, but are not limited to: telecom, utilities, insurance, gym/club memberships, subscriptions, and any other business that provides an online or mobile shopping experience where a recurring billing or card on file is required.
- Ability to support recurring billing relationships with American Express Card Members.
- Ability to extract relevant details from existing customer profiles in the file format specified by Cardrefresher.
- Support the electronic file transmission via Secure File Transfer (SFT).
- Ability to process response files from Cardrefresher and update customer databases with the updated Cardinformation as needed.
Cardrefresher delivers updated Card information, including new Card numbers and expirations dates.
Please contact your American Express representative to request enrollment. They will guide you through the setup, configuration, and certification process.
Yes. Cardrefresher is a standalone product which can be used independently prior to sending your billing transactions to your third-party processor or payment service provider.
At present American Express does not charge any usage fees, however depending on your setup, third-party fees may be applicable.
TERMS AND CONDITIONS
All products and services may not be available to all merchants.