{"id":14699,"date":"2025-09-30T17:21:51","date_gmt":"2025-09-30T15:21:51","guid":{"rendered":"https:\/\/noelse.com\/professionnels\/?p=14699"},"modified":"2025-10-07T11:03:03","modified_gmt":"2025-10-07T09:03:03","slug":"american-express-couts-reels-vs-benefices-client","status":"publish","type":"post","link":"https:\/\/noelse.com\/professionnels\/american-express-couts-reels-vs-benefices-client\/","title":{"rendered":"American Express : co\u00fbts r\u00e9els vs b\u00e9n\u00e9fices client"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"14699\" class=\"elementor elementor-14699\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3622324 e-flex e-con-boxed e-con e-parent\" data-id=\"3622324\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9650a7b elementor-widget elementor-widget-image\" data-id=\"9650a7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" width=\"800\" height=\"534\" src=\"https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2025\/09\/ChatGPT-Image-2-sept.-2025_-12_07_48_1__11zon-1024x683.webp\" class=\"attachment-large size-large wp-image-14700\" alt=\"American Express\" srcset=\"https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2025\/09\/ChatGPT-Image-2-sept.-2025_-12_07_48_1__11zon-1024x683.webp 1024w, https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2025\/09\/ChatGPT-Image-2-sept.-2025_-12_07_48_1__11zon-300x200.webp 300w, https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2025\/09\/ChatGPT-Image-2-sept.-2025_-12_07_48_1__11zon-768x512.webp 768w, https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2025\/09\/ChatGPT-Image-2-sept.-2025_-12_07_48_1__11zon.webp 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfca30b elementor-widget elementor-widget-text-editor\" data-id=\"bfca30b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-renderer-start-pos=\"9\">American Express, souvent appel\u00e9 <strong data-renderer-mark=\"true\">Amex<\/strong>, est une carte haut de gamme reconnue pour ses services exclusifs (<strong data-renderer-mark=\"true\">prestige amex<\/strong>, <strong data-renderer-mark=\"true\">carte amex avantages<\/strong>, <strong data-renderer-mark=\"true\">client\u00e8le amex<\/strong>). Pour les <strong data-renderer-mark=\"true\">h\u00f4teliers gestionnaires<\/strong>, restaurateurs ou commer\u00e7ants, accepter <strong data-renderer-mark=\"true\">american express<\/strong> peut signifier des <strong data-renderer-mark=\"true\">frais amex commerce<\/strong> ou une <strong data-renderer-mark=\"true\">commission amex<\/strong> plus \u00e9lev\u00e9e. Mais qu\u2019en est-il vraiment\u202f? Cet article propose une <strong data-renderer-mark=\"true\">analyse rentabilit\u00e9 amex<\/strong>, en comparant les <strong data-renderer-mark=\"true\">co\u00fbt transaction amex<\/strong> aux <strong data-renderer-mark=\"true\">b\u00e9n\u00e9fice client amex<\/strong>, pour aider \u00e0 d\u00e9cider s\u2019il faut <strong data-renderer-mark=\"true\">accepter amex<\/strong> dans un h\u00f4tel, restaurant ou commerce.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34e96a7 elementor-widget elementor-widget-text-editor\" data-id=\"34e96a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 data-renderer-start-pos=\"562\"><strong>Chiffres cl\u00e9s<\/strong><\/h2><ul class=\"ak-ul\" data-indent-level=\"1\"><li><p data-renderer-start-pos=\"579\">Les <strong data-renderer-mark=\"true\">frais amex commerce<\/strong> ou <strong data-renderer-mark=\"true\">commission \u00e9lev\u00e9e amex<\/strong> varient typiquement entre <strong data-renderer-mark=\"true\">1,43\u202f% + 0,10\u202f$ \u00e0 3,30\u202f% + 0,10\u202f$<\/strong> par transaction.<\/p><\/li><li><p data-renderer-start-pos=\"737\">En moyenne, les cartes classiques de cr\u00e9dit entra\u00eenent des frais de <strong data-renderer-mark=\"true\">1\u202f% \u00e0 3\u202f%<\/strong>, Amex \u00e9tant en haut de cette fourchette.<\/p><\/li><li><p data-renderer-start-pos=\"874\">American Express affirme que ses d\u00e9tenteurs d\u00e9pensent en moyenne <strong data-renderer-mark=\"true\">3\u00d7 plus<\/strong> que les autres clients.<\/p><\/li><li><p data-renderer-start-pos=\"991\">En pratique, certains commer\u00e7ants (comme <strong data-renderer-mark=\"true\">eBay<\/strong>) ont refus\u00e9 Amex en raison de <strong data-renderer-mark=\"true\">frais jug\u00e9s trop \u00e9lev\u00e9s<\/strong>, jusqu\u2019\u00e0 <strong data-renderer-mark=\"true\">4\u202f%<\/strong>.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d05bed5 elementor-widget elementor-widget-text-editor\" data-id=\"d05bed5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 data-renderer-start-pos=\"1127\">Co\u00fbts r\u00e9els pour les commer\u00e7ants<\/h2><h3 data-renderer-start-pos=\"1161\">Commission et frais<\/h3><p data-renderer-start-pos=\"1182\">Le <strong data-renderer-mark=\"true\">co\u00fbt transaction amex<\/strong> inclut une <strong data-renderer-mark=\"true\">commission amex<\/strong>, souvent plus \u00e9lev\u00e9e que Visa ou Mastercard. Pour les grosses structures, des n\u00e9gociations permettent cependant de r\u00e9duire ces co\u00fbts.<\/p><h3 data-renderer-start-pos=\"1384\">Programme OptBlue vs Direct<\/h3><ul class=\"ak-ul\" data-indent-level=\"1\"><li><p data-renderer-start-pos=\"1415\"><strong data-renderer-mark=\"true\">Amex Direct<\/strong> : relation directe, requise pour les tr\u00e8s gros volumes (&gt;\u202f1\u202fM\u202f$), mais <strong data-renderer-mark=\"true\">frais plus \u00e9lev\u00e9s<\/strong>.<\/p><\/li><li><p data-renderer-start-pos=\"1540\"><strong data-renderer-mark=\"true\">Amex\u202fOptBlue<\/strong> : lanc\u00e9 pour faciliter l\u2019acceptation par les petits commer\u00e7ants, avec des frais potentiellement plus bas via un prestataire tiers. Cependant, <strong data-renderer-mark=\"true\">manque de transparence<\/strong> et <strong data-renderer-mark=\"true\">surtaxes<\/strong> par certains fournisseurs ont suscit\u00e9 des critiques.<\/p><\/li><\/ul><h3 data-renderer-start-pos=\"1808\">Mat\u00e9riel et terminal<\/h3><p data-renderer-start-pos=\"1830\">Accepter Amex n\u00e9cessite un <strong data-renderer-mark=\"true\">terminal amex<\/strong> compatible, qui peut entra\u00eener un co\u00fbt initial ou des loyers mensuels, en plus des frais de transaction classiques (<strong data-renderer-mark=\"true\">frais amex commerce<\/strong>, <strong data-renderer-mark=\"true\">h\u00e9bergement de terminal<\/strong>, etc.).<\/p><h2 data-renderer-start-pos=\"2041\">B\u00e9n\u00e9fices pour le client et pour le commer\u00e7ant<\/h2><h3 data-renderer-start-pos=\"2089\">Pour le client<\/h3><ul class=\"ak-ul\" data-indent-level=\"1\"><li><p data-renderer-start-pos=\"2107\"><strong data-renderer-mark=\"true\">Prestige amex<\/strong>, <strong data-renderer-mark=\"true\">carte amex avantages<\/strong>\u202f: acc\u00e8s \u00e0 des services exclusifs, r\u00e9compenses, assistance 24\/7.<\/p><\/li><li><p data-renderer-start-pos=\"2210\">Les d\u00e9tenteurs de carte <strong data-renderer-mark=\"true\">d\u00e9pensent en moyenne 3\u00d7 plus<\/strong> que les non-d\u00e9tenteurs, ce qui peut augmenter le panier moyen.<\/p><\/li><\/ul><h3 data-renderer-start-pos=\"2342\">Pour le commer\u00e7ant<\/h3><ul class=\"ak-ul\" data-indent-level=\"1\"><li><p data-renderer-start-pos=\"2364\"><strong data-renderer-mark=\"true\">ROI american express<\/strong> : malgr\u00e9 les frais, le <strong data-renderer-mark=\"true\">b\u00e9n\u00e9fice client amex<\/strong> (hausse du chiffre d\u2019affaires, fid\u00e9lisation, attractivit\u00e9) est souvent sup\u00e9rieur au surco\u00fbt.<\/p><\/li><li><p data-renderer-start-pos=\"2566\">Analyse co\u00fbts\/b\u00e9n\u00e9fices (<strong data-renderer-mark=\"true\">analyse rentabilit\u00e9 amex<\/strong>) : \u00e0 analyser selon le secteur (h\u00f4tellerie, restauration, etc.), le ticket moyen, et le comportement d\u2019achat de la <strong data-renderer-mark=\"true\">client\u00e8le amex<\/strong>.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-afae752 elementor-widget elementor-widget-text-editor\" data-id=\"afae752\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 data-renderer-start-pos=\"2750\">T\u00e9moignages clients<\/h2><blockquote><p data-renderer-start-pos=\"2772\">\u00ab\u202fEn tant qu\u2019<strong data-renderer-mark=\"true\">h\u00f4telier gestionnaire<\/strong>, nous avons d\u2019abord h\u00e9sit\u00e9 \u00e0 <strong data-renderer-mark=\"true\">accepter amex<\/strong>, car la <strong data-renderer-mark=\"true\">commission amex<\/strong> nous semblait excessive. Mais nos clients haut de gamme insistent tous pour payer avec leur Prestige Amex. R\u00e9sultat : notre panier moyen a augment\u00e9 de 20\u202f%.\u202f\u00bb<\/p><\/blockquote><blockquote><p data-renderer-start-pos=\"3036\">\u00a0<\/p><p data-renderer-start-pos=\"3036\">\u00ab\u202fPour notre <strong data-renderer-mark=\"true\">resto<\/strong>, les <strong data-renderer-mark=\"true\">frais amex commerce<\/strong> sont plus \u00e9lev\u00e9s, mais les utilisateurs d\u2019Amex consomment en moyenne plus et reviennent plus souvent. Le <strong data-renderer-mark=\"true\">roi american express<\/strong> est r\u00e9el.\u202f\u00bb<\/p><\/blockquote>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a586c85 elementor-widget elementor-widget-text-editor\" data-id=\"a586c85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-renderer-start-pos=\"3220\">Ces retours illustrent l\u2019\u00e9quilibre entre <strong data-renderer-mark=\"true\">co\u00fbt transaction amex<\/strong> et <strong data-renderer-mark=\"true\">b\u00e9n\u00e9fice client amex<\/strong> dans la vraie vie.<\/p><h2 data-renderer-start-pos=\"3327\">Accepter Amex : secteur par secteur<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c788bcb elementor-widget elementor-widget-html\" data-id=\"c788bcb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<table style=\"width:100%; border-collapse:collapse; font-family:system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif; font-size:14px;\">\n  <thead>\n    <tr style=\"background:#fffff;\">\n      <th style=\"text-align:left; padding:12px 14px; border:1px solid #e5e7eb;\">Secteur<\/th>\n      <th style=\"text-align:left; padding:12px 14px; border:1px solid #e5e7eb;\">Point de vue co\u00fbt<\/th>\n      <th style=\"text-align:left; padding:12px 14px; border:1px solid #e5e7eb;\">B\u00e9n\u00e9fices clients\/pratiques<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td style=\"padding:12px 14px; border:1px solid #e5e7eb;\"><strong>H\u00f4tellerie<\/strong><\/td>\n      <td style=\"padding:12px 14px; border:1px solid #e5e7eb;\">Frais \u00e9lev\u00e9s mais n\u00e9gociables<\/td>\n      <td style=\"padding:12px 14px; border:1px solid #e5e7eb;\">Valorisation, fid\u00e9lisation clients premium<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"padding:12px 14px; border:1px solid #e5e7eb;\"><strong>Restauration<\/strong><\/td>\n      <td style=\"padding:12px 14px; border:1px solid #e5e7eb;\">Impact variable selon ticket<\/td>\n      <td style=\"padding:12px 14px; border:1px solid #e5e7eb;\">Restaurant fr\u00e9quent\u00e9 par client\u00e8le ais\u00e9e<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"padding:12px 14px; border:1px solid #e5e7eb;\"><strong>Commerce g\u00e9n\u00e9ral<\/strong><\/td>\n      <td style=\"padding:12px 14px; border:1px solid #e5e7eb;\">\u00c0 \u00e9valuer selon concurrence<\/td>\n      <td style=\"padding:12px 14px; border:1px solid #e5e7eb;\">Attrait de client\u00e8le Amex, diff\u00e9renciation<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-117faf3 elementor-widget elementor-widget-text-editor\" data-id=\"117faf3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-renderer-start-pos=\"3719\"><strong data-renderer-mark=\"true\">Terminals amex<\/strong>, <strong data-renderer-mark=\"true\">acceptation amex hotel<\/strong> sont essentiels dans l\u2019h\u00f4tellerie, tout comme dans l\u2019<strong data-renderer-mark=\"true\">amex restaurant<\/strong>, pour ne pas perdre de client\u00e8le.<\/p><h2 data-renderer-start-pos=\"3862\">Important<\/h2><ul class=\"ak-ul\" data-indent-level=\"1\"><li><p data-renderer-start-pos=\"3875\"><strong data-renderer-mark=\"true\">Commission \u00e9lev\u00e9e amex<\/strong> existe, mais n\u2019est pas syst\u00e9matique\u202f: les grandes enseignes n\u00e9gocient.<\/p><\/li><li><p data-renderer-start-pos=\"3972\"><strong data-renderer-mark=\"true\">Innovation OptBlue<\/strong> ouvre l\u2019acceptation aux petits commer\u00e7ants, mais attention aux marges appliqu\u00e9es par les prestataires.<\/p><\/li><li><p data-renderer-start-pos=\"4122\"><strong data-renderer-mark=\"true\">Investissez dans un terminal amex<\/strong> adapt\u00e9 pour optimiser la gestion des transactions et \u00e9viter les refus qui nuisent \u00e0 l\u2019image.<\/p><\/li><\/ul><h2 data-renderer-start-pos=\"4252\">Offres Noelse pour les professionnels<\/h2><p data-renderer-start-pos=\"4291\">En tant qu\u2019utilisateur professionnel (freelance, auto\u2011entrepreneur, commer\u00e7ant, h\u00f4telier&#8230;), vous pouvez aussi profiter des solutions <strong data-renderer-mark=\"true\">Noelse<\/strong> pour optimiser votre gestion commerciale\u202f:<\/p><ul class=\"ak-ul\" data-indent-level=\"1\"><li><p data-renderer-start-pos=\"4479\"><a href=\"https:\/\/noelse.com\/professionnels\/offre-a19e\/\"><strong data-renderer-mark=\"true\">Noelse Pro Smart<\/strong> \u2013 <strong data-renderer-mark=\"true\">19\u202f\u20ac\/mois<\/strong><\/a><br \/>Destin\u00e9 aux freelances, auto\u2011entrepreneurs, TPE\u2026<\/p><\/li><li><p data-renderer-start-pos=\"4560\"><a href=\"https:\/\/noelse.com\/professionnels\/offre-a29e\/\"><strong data-renderer-mark=\"true\">Noelse Pro Collect<\/strong> \u2013 <strong data-renderer-mark=\"true\">29\u202f\u20ac\/mois<\/strong><\/a><br \/>Con\u00e7u pour les commer\u00e7ants, PME, restaurants, h\u00f4tels&#8230;<\/p><\/li><\/ul><p data-renderer-start-pos=\"4650\">Ces offres vous accompagnent pour mesurer pr\u00e9cis\u00e9ment vos <strong data-renderer-mark=\"true\">frais amex commerce<\/strong> et le <strong data-renderer-mark=\"true\">b\u00e9n\u00e9fice client amex<\/strong>, afin d\u2019optimiser l\u2019<strong data-renderer-mark=\"true\">acceptation amex hotel<\/strong>, <strong data-renderer-mark=\"true\">amex restaurant<\/strong>, et m\u00eame pour d\u00e9cider d\u2019adopter <strong data-renderer-mark=\"true\">OptBlue<\/strong> ou Amex Direct.<\/p><h2 data-renderer-start-pos=\"4872\">Conclusion<\/h2><p data-renderer-start-pos=\"4884\">Il faut \u00e9viter deux pi\u00e8ges :<\/p><ol class=\"ak-ol\" start=\"1\" data-indent-level=\"1\"><li><p data-renderer-start-pos=\"4916\">Rejeter <strong data-renderer-mark=\"true\">Amex<\/strong> \u00e0 cause des <strong data-renderer-mark=\"true\">frais amex commerce<\/strong> sans analyser le <strong data-renderer-mark=\"true\">b\u00e9n\u00e9fice client amex<\/strong>.<\/p><\/li><li><p data-renderer-start-pos=\"5003\">Accepter sans mesurer la <strong data-renderer-mark=\"true\">rentabilit\u00e9 amex<\/strong>, et se retrouver avec des co\u00fbts non ma\u00eetris\u00e9s.<\/p><\/li><\/ol><p data-renderer-start-pos=\"5095\">Une <strong data-renderer-mark=\"true\">analyse rentabilit\u00e9 amex<\/strong>, incluant co\u00fbts, panier moyen, fid\u00e9lit\u00e9, prestige, est indispensable. Les solutions <strong data-renderer-mark=\"true\">Noelse Pro Smart<\/strong> et <strong data-renderer-mark=\"true\">Pro Collect<\/strong> vous fournissent les outils pour cette analyse, en toute simplicit\u00e9, \u00e0 <strong data-renderer-mark=\"true\">19 \u00e0 29\u202f\u20ac\/mois<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8f36793 e-flex e-con-boxed e-con e-parent\" data-id=\"8f36793\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-74c2a7b elementor-widget elementor-widget-heading\" data-id=\"74c2a7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u2753 FAQ \u2013 American Express<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ebe28b elementor-widget elementor-widget-toggle\" data-id=\"2ebe28b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4901\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-4901\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Pourquoi American Express prend-elle plus de commissions que Visa\/Mastercard ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-4901\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-4901\"><p>Amex applique des frais plus \u00e9lev\u00e9s aux commer\u00e7ants car son mod\u00e8le repose sur un r\u00e9seau ferm\u00e9 et des services premium aux porteurs de carte.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4902\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-4902\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quels sont les avantages pour un client qui utilise une carte Amex ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-4902\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-4902\"><p>Programmes de cashback, points de fid\u00e9lit\u00e9, assurances voyage, acc\u00e8s \u00e0 des salons VIP et promotions exclusives.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4903\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-4903\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Est-ce que tous les commer\u00e7ants acceptent Amex ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-4903\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-4903\"><p>Non. Les frais plus \u00e9lev\u00e9s poussent certains commer\u00e7ants \u00e0 ne pas proposer ce moyen de paiement.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4904\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-4904\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Les frais Amex peuvent-ils \u00eatre n\u00e9goci\u00e9s par les commer\u00e7ants ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-4904\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-4904\"><p>Dans certains cas oui, selon le volume d\u2019encaissements. Mais globalement, les taux restent sup\u00e9rieurs \u00e0 ceux de Visa\/Mastercard.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-4905\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-4905\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Amex est-elle plus int\u00e9ressante pour les particuliers ou les entreprises ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-4905\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-4905\"><p>\u2192 Pour les particuliers : surtout les gros consommateurs qui profitent pleinement des avantages fid\u00e9lit\u00e9.<br \/>\u2192 Pour les entreprises : utile si les d\u00e9penses pros (voyages, restauration, achats r\u00e9guliers) permettent de maximiser les r\u00e9compenses.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>American Express, souvent appel\u00e9 Amex, est une carte haut de gamme reconnue pour ses services exclusifs (prestige amex, carte amex avantages, client\u00e8le amex). Pour les h\u00f4teliers gestionnaires, restaurateurs ou commer\u00e7ants, accepter american express peut signifier des frais amex commerce ou une commission amex plus \u00e9lev\u00e9e. Mais qu\u2019en est-il vraiment\u202f? Cet article propose une analyse rentabilit\u00e9 [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":14700,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[28],"class_list":["post-14699","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apprendre-avec-lappli-noelse","tag-apprendre-avec-lapplication-noelse"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>American Express : co\u00fbts r\u00e9els vs b\u00e9n\u00e9fices client - Noelse Professionnel<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez l&#039;analyse compl\u00e8te du co\u00fbt r\u00e9el d&#039;American Express pour les commer\u00e7ants, h\u00f4teliers et restaurateurs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/noelse.com\/professionnels\/american-express-couts-reels-vs-benefices-client\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"American Express : co\u00fbts r\u00e9els vs b\u00e9n\u00e9fices client - 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