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Currencycloud

Currencycloud

B2B Cross-Border

VS

American Express

Premium Card Network & Acquiring

American Express
Fees from
0.25-0.40% vs 2.5-3.5% merchant
Features

1 shared

1 unique to American Express
Regions

4 shared

2 unique to American Express
Pay methods

0 shared

2 unique to Currencycloud · 3 unique to American Express
On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

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Show full specs
2 features · 5 payment methods · 6 regions. We don't rank these — they're here for reference.
Currencycloud Currencycloud
American Express American Express
Quick Facts
Fees
Standard transaction rate
0.25-0.40%
2.5-3.5% merchant
Settlement
Time to receive funds
1–3 business days
3–7 business days
Founded
2012
1850
Headquarters
London, United Kingdom
New York, USA
Sandbox / Test Mode
✓
—
Webhook Support
✓
✓
Features
American Express leads (2 vs 1)
Enterprise
✓
✓
Recurring Payments Unique
—
✓
Payment Methods
American Express leads (3 vs 2)
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer Unique
✓
—
Google Pay Unique
—
✓
Swift Unique
✓
—
Regions
American Express leads (6 vs 4)
Asia
✓
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania
✓
✓

Currencycloud is best when you...

B2B Cross-Border
View Currencycloud

American Express is best when you...

Premium Card Network & Acquiring
Need Recurring Payments
Not available with Currencycloud
Want coverage in Latin America, Middle East
Currencycloud doesn't cover these regions
View American Express

Frequently Asked Questions

What is the difference between Currencycloud and American Express?
They share 0 payment methods and 4 regions. Currencycloud adds Bank Transfer, SWIFT that American Express does not list; American Express adds Amex, Apple Pay, Google Pay that Currencycloud does not list; American Express also covers Latin America, Middle East; only American Express offers Recurring Payments.
Which is cheaper, Currencycloud or American Express?
Currencycloud has published rates from 0.25-0.40%; American Express has published rates from 2.5-3.5% merchant. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Currencycloud and American Express?
Currencycloud lists 4 regions and 2 payment methods; American Express lists 6 and 3. both cover Asia, Europe, North America and 1 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Currencycloud and American Express compare on integration and settlement?
Currencycloud offers a sandbox, American Express does not list one; both support webhooks; Currencycloud settles in 1–3 business days, American Express in 3–7 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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