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Pay just 1.8%on most American Express® transactions 

Opening your business to higher-spending American Express customers is now more affordable and easy! 

To help your business succeed, CFIB has harnessed the collective power of our 110,000 members to lower the cost of attracting American Express Cardmembers. 

Through an exclusive offer with Chase® Merchant Services, CFIB members pay just 1.8%  on most American Express transactions (1.68% plus a 0.12% assessment fee).1

Find out what you can save!
  • Get exclusive lower rates with Chase
  • Receive your American Express payments at the same time as other credit card payments
  • Get a free analysis to see how much you can save
American Express acceptance made simple

Chase serves as a single point of contact for all of your payment processing and settles your American Express transactions at the same speed as your other credit cards. Plus you can choose to consolidate all your credit card transactions into a single deposit into your bank account. This helps you get paid faster, improving your cash flow.

Chase will also give you one statement with all of your monthly credit card transactions. This simplifies your accounting, so you can spend less time reviewing bank statements and more time focusing on achieving your goals. 

Why Chase?

When it comes to payment processing, it pays to team up with an industry leader. You get these great benefits when you work with Chase:

Competitive rates

Enjoy exclusive CFIB member rates for all of your credit and debit card processing.

No cancellation fees

You can cancel anytime at no cost.

24/7 support

The Chase customer service team is available around the clock to answer your questions.

How CFIB fights for small businesses

CFIB has long been a powerful force in negotiating with the government and credit card industry. We work to ensure that Canadian independent business get a fair and transparent deal when it comes to payment processing. Here’s what we have accomplished for you:

  • Led the introduction of the Credit and Debit Card Code of Conduct
  • Reduced Visa and Mastercard interchange rates to an average of 1.5%, as well as getting a 5-year freeze on rate increases
  • Negotiated preferred rates and special terms with Chase Merchant Services for CFIB members 
  • Obtained exclusive, lower rates on Amex and Mastercard transactions for CFIB members

Open your doors to more customers and revenue

With this unique offer, there’s never been a better time to accept American Express. Find out if your business is eligible and how you can attract a new group of customers. Contact Chase Merchant Services at 1-877-552-5519 today. 

American Express rates


American Express® rates through Chase® Merchant Services

For eligible1 businesses with up to $500,000 in annual American Express volume



CFIB Exclusive Rate
(for qualified transactions*)


Assessment Fee





Large Ticket Sales
(additional fees for non-qualified transactions*)




Most Industries4




Specified Industries:














Travel & Entertainment




*Other fees may apply.


Other fees Amount Description

Card not Present Fee


Applies to manually entered transactions

International Card


Applies to foreign issued card transactions

Chargeback Processing Fee


Applies per occurrence




#1) If a customer spends $50 at a restaurant, the merchant pays 1.80%. If they spend $250, the merchant pays 2.85%.

#2) If a patient spends $350 for dental work, the dentist pays 1.80%. If they spend $700, the dentist pays 2.45%.

®Registered trademarks of their respective parties and used under license.
1. 1.8% fee includes a 1.68% Merchant Discount Rate (MDR) and 0.12% assessment fee. Total processing fee increases to 2.45% or 2.85% (depending upon industry) for large ticket transactions. See full rate table. Rates applicable to non-franchise businesses with less than $500,000 in total American Express sales. Certain conditions apply. All fees and rates are subject to change as set out in the Merchant Agreement.
Eligibility is limited to Canadian Small Merchants that have an estimated American Express charge volume across all locations of less than $500,000 per year, and certain industry and franchise restrictions apply. If your business is not eligible, please apply to accept American Express Cards directly with American Express. Call 1-888-272-8532.
2. Source: The Nilson Report # 1128 (March 2018). American Express transaction size derived as Canada year-end purchase volume divided by year-end purchase transactions. Average Non-American Express transaction equals $71 US ($92 CAD), includes Visa and MastercCard credit cards, and excludes Interac and debit volume and transactions. Purchase volume converted to Canadian dollars by dividing US figures by 0.771040667 (the average for the year,
3. Members who wish to obtain payment processing services from Chase Merchant Services must submit an application. All applications are subject to Chase's standard approval policies and procedures, including without limitation credit approval and entering into a Merchant Agreement with Chase Merchant Services. Certain conditions apply. Proof of membership status with the Canadian Federation of Independent Business (CFIB) will be required. Contact Chase Merchant Services at 1-888-317-9535 for additional details.
4. Most Industries includes: Retail, Healthcare, Professional Services, Mailorder & Internet and Others not specified.
5. The Merchant Discount Rate (MDR) is based on American Express Industry segments that group merchant category code and tiers based on transaction amount (threshold).
6. Non-Qualified Transactions are transactions that do not qualify at the threshold established by Amex (Non-Qualified Transactions). For processing a Non-Qualified Transaction, you will be charged the MDR, the Assessment Fee, the Differential and the Non-Qualified Transaction Processing Fee (NQTPF).