{"id":14699,"date":"2025-09-30T17:21:51","date_gmt":"2025-09-30T15:21:51","guid":{"rendered":"https:\/\/preprod.noelse.net\/professionnels\/?p=14699"},"modified":"2026-05-21T16:15:41","modified_gmt":"2026-05-21T14:15:41","slug":"american-express-couts-reels-vs-benefices-client","status":"publish","type":"post","link":"https:\/\/preprod.noelse.net\/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\">\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 loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/preprod.noelse.net\/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:\/\/preprod.noelse.net\/professionnels\/wp-content\/uploads\/sites\/2\/2025\/09\/ChatGPT-Image-2-sept.-2025_-12_07_48_1__11zon-1024x683.webp 1024w, https:\/\/preprod.noelse.net\/professionnels\/wp-content\/uploads\/sites\/2\/2025\/09\/ChatGPT-Image-2-sept.-2025_-12_07_48_1__11zon-300x200.webp 300w, https:\/\/preprod.noelse.net\/professionnels\/wp-content\/uploads\/sites\/2\/2025\/09\/ChatGPT-Image-2-sept.-2025_-12_07_48_1__11zon-768x512.webp 768w, https:\/\/preprod.noelse.net\/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,&#8230;<\/p>\n","protected":false},"author":9,"featured_media":14700,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[28],"class_list":{"0":"post-14699","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-conseils-expert","8":"tag-apprendre-avec-lapplication-noelse"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - 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, 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