My AmEx merchant account carries no monthly charge. I do pay a higher discount rate for American Express than I do for MC/Visa/Discover - roughly 1%. I certai

My AmEx merchant account carries no monthly charge. I do pay a higher discount rate for American Express than I do for MC/Visa/Discover - roughly 1%. I certainly don't pay higher rates because someone uses a rewards card. Nor do I pay a higher rate because someone uses a Gold, Platinum or Black AmEx Card. My discount rate is affected by qualifying discounts, i.e. AVS, AVS+Address, non-AVS. I find it in my best interest to make it as easy as possible for clients to pay me. If I have to pay a percentage point to make it easy for a client to hand me money, I'll gladly take that as a cost of doing business.