American Express can offer merchant account services for online and retail credit card processing direct with the credit card name that has been an industry leader in the credit finance industry for years. Their merchant account services can provide payment processing capability with the traditional suite of online features and reporting one would expect from a credit card processing provider. Data security for consumers is a high priority with American Express, and customer support for their merchant account services is complete. They have options for credit card processing with point of sale terminals and also options for payment processing without a credit card machine. Large retailers are often well served with an American Express Merchant Account service, while transaction limits and discount rates might not be the best fit for a new online business that has not had time to build the credit card payment volume required for an approved merchant account.