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12-13-2004, 09:27 AM
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#1 |
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So Fucking Banned
Industry Role:
Join Date: Apr 2001
Location: N.Y. -Long Island --
Posts: 122,992
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Why do Amex CC settlements take longer than Visa/MC?
Just wondering Visa/MC shit after batch settlement take 2 days to hit bank account. Amex always takes longer. Any idea why?
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12-13-2004, 10:48 AM
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#2 |
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Confirmed User
Join Date: Nov 2002
Location: Valencia, CA
Posts: 2,906
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I'm not sure but Discover is the same way as well.
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12-13-2004, 11:05 AM
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#3 | |
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Confirmed User
Join Date: Jul 2003
Location: Tampa
Posts: 1,477
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Quote:
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Free Porno You Porn Fuck |
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12-13-2004, 11:17 AM
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#4 |
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Confirmed User
Join Date: Sep 2004
Location: Kingdom of Darkness
Posts: 1,821
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Jesus was a Jew.
Did you know that?
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12-13-2004, 11:56 AM
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#5 |
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Confirmed User
Join Date: Oct 2002
Location: Under the Rainbow
Posts: 2,731
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The reason is that AMEX and Discover do not have the same direct banking relationships that Visa and MasterCard have. That might change soon. I have noticed MBNA is now issuing an Amex card.
Or it could be they like your money a little more and want to hold it close a little longer. |
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12-13-2004, 12:27 PM
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#6 |
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I'm Lenny2 Bitch
Join Date: Mar 2001
Location: On top of my soapbox
Posts: 13,449
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I know when I was in retail it always took forever for AMEX settlements.
Reason being AMEX is a charge card, not a credit card. You don't get paid until the customer pays their AMEX bill. That's why alot of places don't take AMEX.
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12-13-2004, 12:40 PM
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#7 |
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So Fucking What
Industry Role:
Join Date: Jan 2004
Location: Whore Island
Posts: 14,445
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Amex tries to side with the seller whereas Visa tries to side with the cardholder. This is why Amex is cool when you are accepting $ but is a potential nightmare when you use it and have a dispute.
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12-13-2004, 01:03 PM
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#8 |
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Confirmed User
Industry Role:
Join Date: Dec 2001
Location: Portland, OR.
Posts: 6,034
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Juicy,
Always been that way as long as we have had merch. accts over the years. I get visa/mc deposits in 1-2 days, Discover 2-3 days and amex is always like 4-5 days or so.
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ICQ: 52344098 -------------------------------------- 50% Commissions on all Product Sales. http://www.wishing.com/money |
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12-13-2004, 01:34 PM
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#9 | |
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Confirmed User
Join Date: Jan 2002
Location: In the walls of your house.
Posts: 3,985
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Quote:
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"Every normal man must be tempted, at times, to spit on his hands, hoist the black flag, and begin slitting throats." --H.L. Mencken |
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12-13-2004, 02:35 PM
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#10 | |
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So Fucking Banned
Industry Role:
Join Date: Apr 2001
Location: N.Y. -Long Island --
Posts: 122,992
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Quote:
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12-13-2004, 03:24 PM
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#11 |
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I'm Lenny2 Bitch
Join Date: Mar 2001
Location: On top of my soapbox
Posts: 13,449
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I was just pointing out that's the way it was when I was in retail.
That's been several years now. This was before AMEX had actual "credit cards" like they do today.
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