A merchant qualifies for the Flat-Fee Option if their American Express charge volume stays below what amount within a 12-month period?

The Flat-Fee Option is designed to provide a simpler fee structure for merchants who process a limited volume of American Express charges. Specifically, a merchant qualifies for this option if their charge volume remains below a certain threshold within a 12-month period. In this case, the threshold is set at $5,000. This means that merchants with a charge volume below this amount can benefit from a flat-fee pricing model, which can help simplify their accounting and reduce overall payment processing costs.

Using a Flat-Fee Option is particularly advantageous for smaller businesses or those with occasional American Express transactions, as it allows them to manage their payment processing expenses more effectively.